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Vanguard brokerage account settlement fund "sweep" in/out transactions

UnknownUnknown Member
edited December 2018 in Investing (Windows)

I am using Quicken for Windows 2016 Premier.  About a month ago I opened a new Vanguard brokerage account and added it to Quicken.  The Vanguard account is setup as an investment account and it does not have a linked cash account (the Account Details "Show cash in a checking account" setting is set to No).  I'm having a problem with the way Quicken is handling the "sweep" transactions automatically created by Vanguard to move cash positions in and out of a Vanguard Federal Money Market Fund (VMFXX).



When a
cash position exists in the account, (from the sale of an equity position for
example), a "Sweep in" transaction type with a negative amount and a
description of "Vanguard Federal Money Market Fund (Settlement Fund)"
gets automatically generated in the Vanguard account.  When this "Sweep in" transaction
gets downloaded into Quicken it gets handled as a "Withdraw"
transaction type.  So, the money just gets sucked out of the Vanguard
account in Quicken without showing up anywhere else (like a Vanguard Federal
Money Market Fund (VMFXX) position for example).



When a
security purchase is made in the account, a "Sweep out" transaction
type with a positive amount and a description of "Vanguard Federal Money
Market Fund (Settlement Fund)" gets automatically generated in the
Vanguard account. When this "Sweep out" transaction gets downloaded
into Quicken it gets handled as a "Deposit" transaction type.  So, this deposit money just seems to come
from nowhere and simply gets added to the Vanguard account balance in Quicken
without actually coming from somewhere else (like a Vanguard Federal Money
Market Fund (VMFXX) position for example).



So, my
Quicken environment is missing accountability for the money that is being “swept”
into and out of the “settlement fund” that Vanguard automatically manages with
respect to the brokerage account.



Can someone help me understand what I can do to get
the downloaded transactions for this Vanguard brokerage account to accurately account
for the funds that exist in the Vanguard Federal Money Market Fund (VMFXX) “settlement
fund” that is associated with the brokerage account at Vanguard?

Comments

  • UnknownUnknown Member
    edited October 2018
    You can complain to Vanguard, it is Vanguard that is coding the transactions wrong.

    A longer explanation is that what you see was right in the past, and is still correct for some accounts.

    The normal setup in the past was that if you traded just Vanguard mutual funds you had one account.  If you decided to trade other securities they would create separate "brokerage" account for that.  The "cash fund" was always kept in the first account.

    So if you made it purchase in the brokerage account they would sell from the "cash fund".  In the brokerage account there would be two transactions, one for transferring the cash from the first account to the brokerage account.  And then the buy for the security.

    It would work the same way in reverse for a sell of a security.

    Well about 6 months or so ago Vanguard started a process of consolidating the two accounts.
    In fact they gave me the option to do so in my wife's accounts, so I decided to do it.  In my accounts they have not yet asked, and I would probably put it off knowing what I know now.

    So gone is the first account in this setup, with the selling/buying transactions for the "cash fund".
    But they have not changed the way the code what is sent the remaining "brokerage" account.
    They are still sending the Withdraw/Deposit transaction to connect up to an account that no longer exists.

    Past that the workarounds (there is nothing that Quicken, or Quicken Inc can do about this) are either you manually change the the Withdraw/Deposit transaction to a buy of the "cash fund".

    Or you just delete it, and just track this as "cash".
    The "cash funds" are always priced at $1 so there is no real reason you have to "buy and sell", you can just use the cash balance in the account to track that.  Note if you are going this way you would want to put in a sell for the existing shares so that everything is in the cash balance.

    Also note that there isn't a big reason to have "security lots" of a "cash fund".  Since they are always priced at $1 there is no capital gain or loss for them.
  • Bob_LBob_L SuperUser ✭✭✭✭✭
    edited April 2018
    FWIW, a Vanguard rep has been looking into this at my request for about a week or so as it is clearly their issue, as QPW notes. I too did not take advantage of the "upgrade"to a consolidated brokerage account that they offered, but you get it partially anyway if you have dividend paying stocks already held in one. That is, if you don't have one they automatically add a federal money market account holding in the brokerage account-instead of in the account where your previous sweep account was held. That then leads to the erroneous withdrawal coding mentioned by the op.


    I prefer changing the withdrawal to a buy to keep the holdings in line with the real world, and to avoid compare to portfolio mismatches.
    Quicken Premier Subscription, Windows 10 Home
  • UnknownUnknown Member
    edited February 2017

    Thanks QPW and Bob for your helpful replies.
    I'm pretty stagger by the knowledge that these Vanguard brokerage accounts in
    Quicken have such a complete gap of accountability for the money that moves through
    the “Settlement Fund” vehicle associated with the account. 

    I’ve also discovered that the accountability gap
    is not limited to just these sweep-in/withdrawl and sweep-out/deposit movements
    of money between the brokerage account and the settlement fund.  There is also a problem where the interest/dividend
    payment that gets paid at the end of the month based on the average cash
    balance held in the brokerage account also gets completely lost.  Those interest payments show up in the
    transaction history at Vanguard as two transactions: a Dividend transaction type
    with a positive amount followed by a Reinvestment transaction type with a negative
    amount (both transactions have a description/name of "Vanguard Federal
    Money Market Fund (Settlement Fund)"). 
    There is no sign of either of those transactions in the Quicken
    transaction register for the Vanguard brokerage account after the transactions
    have been downloaded. 

    From what I’ve read in your replies to my post
    and in other posts, I believe that this poor situation exists due a confluence
    of events including the sale of the Quicken product to H.I.G. Capital and changes
    made recently at Vanguard with respect to how they manage their brokerage
    accounts.  I feel certain that this will
    have to get worked out, but it may take some time. 

    Bob,  I
    would like to offer my assistance to your effort to work with Vanguard on this
    issue.  If there is any way I can help
    then please let me know.

  • Bob_LBob_L SuperUser ✭✭✭✭✭
    edited April 2018
    @ostanley: call them and complain.
    Quicken Premier Subscription, Windows 10 Home
  • AFToothDocAFToothDoc Member ✭✭
    edited December 2016
    Bob, we would appreciate it if you could let us know what if anything
    the Vanguard Rep comes up with to solve this problem. Good discussion everybody. I
    just went through the same confusing mess with my own VG Brokerage
    acct. Hope VG solves this.
  • UnknownUnknown Member
    edited October 2018
    @aostanley: "From what I’ve read in your replies to my post
    and in other posts, I believe that this poor situation exists due a confluence
    of events including the sale of the Quicken product to H.I.G. Capital "

    This is completely wrong.  And your premises are based on a wrong assumptions.
    First off this problem started long before Quicken was sold.

    Second Quicken (or Quicken Inc) is not responsible for "auditing" what your financial institution sends.
    You are.

    If your financial institution sends (or fails to send) a transaction or codes it as a dividend when it is should be a reinvestment or something like that.  It is not Quicken (or Quicken Inc's) place to "question" it.  It is your place as the customer to do that.

    Quicken shouldn't be "correcting" what the financial institution sends.
  • UnknownUnknown Member
    edited December 2016
    QPW said:

    @aostanley: "From what I’ve read in your replies to my post
    and in other posts, I believe that this poor situation exists due a confluence
    of events including the sale of the Quicken product to H.I.G. Capital "

    This is completely wrong.  And your premises are based on a wrong assumptions.
    First off this problem started long before Quicken was sold.

    Second Quicken (or Quicken Inc) is not responsible for "auditing" what your financial institution sends.
    You are.

    If your financial institution sends (or fails to send) a transaction or codes it as a dividend when it is should be a reinvestment or something like that.  It is not Quicken (or Quicken Inc's) place to "question" it.  It is your place as the customer to do that.

    Quicken shouldn't be "correcting" what the financial institution sends.

    @QuicknPerlWiz: Please disregard my comment about the Quicken product sale.  I'm sure my assumptions are, in fact, wrong.  I acknowledge that I don't know who needs to fix the problem (Quicken or Vanguard), I just want it to get fixed.
  • UnknownUnknown Member
    edited December 2016
    QPW said:

    @aostanley: "From what I’ve read in your replies to my post
    and in other posts, I believe that this poor situation exists due a confluence
    of events including the sale of the Quicken product to H.I.G. Capital "

    This is completely wrong.  And your premises are based on a wrong assumptions.
    First off this problem started long before Quicken was sold.

    Second Quicken (or Quicken Inc) is not responsible for "auditing" what your financial institution sends.
    You are.

    If your financial institution sends (or fails to send) a transaction or codes it as a dividend when it is should be a reinvestment or something like that.  It is not Quicken (or Quicken Inc's) place to "question" it.  It is your place as the customer to do that.

    Quicken shouldn't be "correcting" what the financial institution sends.

    Yes I know it is frustrating, I have had to workaround this problem for months in my Wife's accounts.  It is Vanguard that has to fix it.

    BTW in truth it is just marginally more trouble than it was before.
    With the two accounts there is the transfer.  The transfers come down as a withdraw in one account and a deposit in the other.  The "other" account is "unknown", because Vanguard has no idea what the other account is called in Quicken, and Quicken doesn't do anything to try to connect the two (now that is something Quicken Inc could do with a new feature, like it does in the non investment accounts).

    End result is I always either had to enter the transfers manually and match them, or edit the transfer to put in the "other" account.  So instead now I just edit it to change a withdraw to a buy.  Luckily these are very inactive accounts, so I end up only having to do this kind of thing about once a month in each account.
  • mistertheplaguemistertheplague Member ✭✭✭
    edited November 2016
    aostanley said:

    Thanks QPW and Bob for your helpful replies.
    I'm pretty stagger by the knowledge that these Vanguard brokerage accounts in
    Quicken have such a complete gap of accountability for the money that moves through
    the “Settlement Fund” vehicle associated with the account. 

    I’ve also discovered that the accountability gap
    is not limited to just these sweep-in/withdrawl and sweep-out/deposit movements
    of money between the brokerage account and the settlement fund.  There is also a problem where the interest/dividend
    payment that gets paid at the end of the month based on the average cash
    balance held in the brokerage account also gets completely lost.  Those interest payments show up in the
    transaction history at Vanguard as two transactions: a Dividend transaction type
    with a positive amount followed by a Reinvestment transaction type with a negative
    amount (both transactions have a description/name of "Vanguard Federal
    Money Market Fund (Settlement Fund)"). 
    There is no sign of either of those transactions in the Quicken
    transaction register for the Vanguard brokerage account after the transactions
    have been downloaded. 

    From what I’ve read in your replies to my post
    and in other posts, I believe that this poor situation exists due a confluence
    of events including the sale of the Quicken product to H.I.G. Capital and changes
    made recently at Vanguard with respect to how they manage their brokerage
    accounts.  I feel certain that this will
    have to get worked out, but it may take some time. 

    Bob,  I
    would like to offer my assistance to your effort to work with Vanguard on this
    issue.  If there is any way I can help
    then please let me know.

    There is no sign of either of those transactions in the Quicken transaction register for the Vanguard brokerage account after the transactions have been downloaded.
    Then something else is amiss with your downloads from VG. Each reinvested dividend transaction should show up in your register as consolidated by Quicken, with "Inv Amt" being the cash amount of your dividend and "Description" showing how much of the security it bought you. Reinvestment transactions for VG MM "securities" should look the same as any other.


    imageimage
  • mistertheplaguemistertheplague Member ✭✭✭
    edited November 2016
    QPW said:

    @aostanley: "From what I’ve read in your replies to my post
    and in other posts, I believe that this poor situation exists due a confluence
    of events including the sale of the Quicken product to H.I.G. Capital "

    This is completely wrong.  And your premises are based on a wrong assumptions.
    First off this problem started long before Quicken was sold.

    Second Quicken (or Quicken Inc) is not responsible for "auditing" what your financial institution sends.
    You are.

    If your financial institution sends (or fails to send) a transaction or codes it as a dividend when it is should be a reinvestment or something like that.  It is not Quicken (or Quicken Inc's) place to "question" it.  It is your place as the customer to do that.

    Quicken shouldn't be "correcting" what the financial institution sends.

    @QuicknPerlWiz: FWIW, I jumped at VG's offer to consolidate brokerage/fund accounts. Pre-consolidation, I had a proliferation of Vanguard accounts cluttering up my screen. Sometimes it was like navigating a Chinese crossword puzzle. Now it's relatively tidy, except of course for this money-raining-down from/to-nowhere hassle.

    Anyway, I've tried a few different methods to deal with this snag, including your method and manually converting VMMXX to cash every session. Now I just change the categories on MM sweep transactions (Withdraw or Deposit) to being internal transfers, which is what they are anyway. 

    image
  • mistertheplaguemistertheplague Member ✭✭✭
    edited February 2017
    @QuicknPerlWiz: Please disregard my comment about the Quicken product sale.  I'm sure my assumptions are, in fact, wrong.  I acknowledge that I don't know who needs to fix the problem (Quicken or Vanguard), I just want it to get fixed.
    They both need to fix it, which means neither ever will. (Do you have a Vanguard 529? If so, limber up your fingers.)

    As QPW noted, Quicken Inc. could code some widget to account for the fact that Vanguard inexplicably classifies cash residing in their brokerage accounts as some stupid mutual fund security rather than what it is: cash. And Vanguard could stop doing that. Don't hold your breath.

    Personally, as a long-time Quicken user there are about a million other things I'd rather see the new overlords address before they get to this. 
  • JohnPinchotJohnPinchot Member ✭✭
    edited October 2018
    We use Quicken to make managing our finances easier.  Blaming somebody Vanguard does not accomplish that.  I expect Quicken to work with Vanguard to find a resolution.  That is the value they add.  Blaming Vanguard for the problem does not add value for the user.  Quicken has lost site of the concept of adding value for the user. 
  • UnknownUnknown Member
    edited December 2016

    We use Quicken to make managing our finances easier.  Blaming somebody Vanguard does not accomplish that.  I expect Quicken to work with Vanguard to find a resolution.  That is the value they add.  Blaming Vanguard for the problem does not add value for the user.  Quicken has lost site of the concept of adding value for the user. 

    I could say the same about your statement "Blaming somebody Vanguard does not accomplish that. ".  Neither does blaming Quicken Inc.

    What is this "blaming" anyways.  If I throw an apple in the air and falls to the ground because of gravity, I'm not "blaming" gravity when I point out that it is gravity that makes it fall.  I'm stating a fact.  It is very easy to see that the cause is Vanguard's coding of the transaction incorrectly.  It is their responsibility to fix it.  And they will do that on their own priority basis.

    And for some reason people seem to think that Quicken Inc has more pull with
    financial institutions than their customers do.  Well I certainly have
    not found that to be the case.  If Vanguard won't listen to customer
    complaints I see no reason why they would listen to Quicken Inc.

    Besides you (and I) have no idea what Quicken Inc has or has not done.
    They might in fact already have pointed this out to Vanguard.  But they can't force Vanguard to fix it if they don't want to.
  • UnknownUnknown Member
    edited February 2017
    Currently my "Cash Balance:" is linked to the Vanguard Prime Money Market Fund.  (If I add a "Div" transaction to the Prime Money Market Fund, the Cash Balance goes up accordingly.)  I don't see how to change that link to the Federal Money Market Fund.  I also don't know if this is the same problem you're discussing here, though I may not be reading this closely enough.
  • Bob_LBob_L SuperUser ✭✭✭✭✭
    edited April 2018
    This thread has to do with Vanguard changing the sweep account from Prime to Federal Money market for brokerage transactions.



    Are you saying that you have a Quicken linked checking account? Please provide more about how your quicken accounts are set up now.
    Quicken Premier Subscription, Windows 10 Home
  • UnknownUnknown Member
    edited October 2018
    Actually Bob L this thread isn't exactly about the change from the Prime fund to the Federal Money Market fund, even though what its about (consolidating of accounts) might be done at the same time for some people.

    Really old setup.  Vanguard didn't allow buying and selling of securities outside of their funds.
    A bit older setup.  If you wanted to start trading securities outside of Vanguard funds they would allow it by creating a "brokerage account" separate from the main account.
    But "cash" was still held in the primary account in the form of the prime money market fund (or it was possible to use certain other funds for "cash").
    To buy an "outside" security, the needed amount of prime money market would be sold and a transfer from the primary to the brokerage account would be made.  Reverse the process for selling an "outside" security.  Note any buying/selling of Vanguard funds would be done in the primary account.

    And Vanguard was coding the downloading of transactions into the account with this transfer in mind (withdraw in one account, deposit in the other).

    A while back Vanguard decided that they would start allowing doing this all in one account, and started giving some people/accounts the option of combining the two accounts.
    But they didn't change how they coded the transactions sent to the new "one does all account".
    It still coded as if that transfer is needed.  As in say you sell some shares of Apple, instead of downloading a transaction to buy the prime (or Federal Money) fund they still send a Withdraw for the amount that should go to "cash".

    That is the problem that the original question addresses.

    In the mean time Vanguard is also switching from the Prime fund to the Federal Money fund as the "cash" fund.

    So that brings up johnperko's question on how to do this switch over.
    The normal answer might be using the Corporation Acquisition action to convert all the shares from one fund to the other, so that you can change over without any tax consequences (nothing I care about since this being done in my IRA account).

    But I was reading a message from them yesterday, and it isn't that clean.  It seems that they are going to allow people to stay in the Prime fund (or whatever other fund they were using for "cash") for the "existing" funds, but as they want to buy more securities they will have to transfer the funds from the prime fund to the Federal Money fund, to fund the purchase.

    Needless to say I have no idea how Vanguard is going to code this when they download transactions, or even a clean way to record it manually in Quicken.

    Most likely the best way would be to do the transfer for all the money you have in the prime fund to the Federal Money Market fund. That way whatever you do will all be done in one transaction instead of piece meal here and there.
  • UnknownUnknown Member
    edited October 2018
    BTW I'm not sure this kind of exchange is a "tax event" even in a taxable account.  Since there is never any gain or loss.  In both funds you buy for $1 and sell for $1.
  • Bob_LBob_L SuperUser ✭✭✭✭✭
    edited October 2018
    Maybe I was too brief in not mentioning consolidation again. I understand the thread, but in my case it was just that change from prime to federal that caused the problem. That is, I have never agreed to consolidation, yet when a dividend was paid for a stock in my brokerage account they automatically created a federal mm fund in my brokerage account to hold the cash from that dividend. No buy was ever downloaded and instead the withdrawal was downloaded as if my sweep account was still outside the brokerage.



    Vanguard is looking into this. Just a few days ago they got back to me and asked for my log files so hopefully they are going to eventually get it fixed or at least say they are not.



    The post from @johnperko is not clear to me as to whether he has a linked checking account and/or if he is downloading individual funds to separate accounts.
    Quicken Premier Subscription, Windows 10 Home
  • UnknownUnknown Member
    edited December 2016
    Bob L said:

    Maybe I was too brief in not mentioning consolidation again. I understand the thread, but in my case it was just that change from prime to federal that caused the problem. That is, I have never agreed to consolidation, yet when a dividend was paid for a stock in my brokerage account they automatically created a federal mm fund in my brokerage account to hold the cash from that dividend. No buy was ever downloaded and instead the withdrawal was downloaded as if my sweep account was still outside the brokerage.



    Vanguard is looking into this. Just a few days ago they got back to me and asked for my log files so hopefully they are going to eventually get it fixed or at least say they are not.



    The post from @johnperko is not clear to me as to whether he has a linked checking account and/or if he is downloading individual funds to separate accounts.

    Sounds promising.  My real belief is there are few "real" aspects to this.
    1) For a process that in undergoing changes like what Vanguard is doing, it takes time and there will be hiccups, and it is normal for things like this to come up and it takes time (and patience) and then things will get cleared up.  Sometimes it is better not to try to fix things in an "in between state".
    2) This forum is easier to complain on than to actually talk to the people that can fix the problem.   I really wonder how many people on this thread actually talked to Vanguard instead of just some how believe they should know and fix something without them contacting them about it.  It seems to me that most people believe if they are having a problem then, lots of people are having it, so they don't have to report it.

    Frankly for me it is a very minor annoyance.
  • Bob_LBob_L SuperUser ✭✭✭✭✭
    edited April 2018
    FYI, I bugged my technical contact at Vanguard today and he got back to me with a "we are still investigating your issue......" Wish I could report more progress, but at least they say they are still looking into it.
    Quicken Premier Subscription, Windows 10 Home
  • Bob_LBob_L SuperUser ✭✭✭✭✭
    edited April 2018
    Got the following encouraging news in an email today so keep your fingers crossed:

    We have identified the issue that is causing the error you are having when
    connecting your Vanguard accounts in Quicken. We're actively working on
    creating a fix to the site that will allow your Quicken downloads to
    continue without a problem. This issue has affected many clients and is a
    high priority. At this time, we unfortunately do not have an estimated time
    of resolution. We'll send you an email as soon as the issue is resolved.
    Quicken Premier Subscription, Windows 10 Home
  • UnknownUnknown Member
    edited September 2016
    Bob L said:

    Got the following encouraging news in an email today so keep your fingers crossed:

    We have identified the issue that is causing the error you are having when
    connecting your Vanguard accounts in Quicken. We're actively working on
    creating a fix to the site that will allow your Quicken downloads to
    continue without a problem. This issue has affected many clients and is a
    high priority. At this time, we unfortunately do not have an estimated time
    of resolution. We'll send you an email as soon as the issue is resolved.
    That does sound encouraging.  Thank you for continuing to update this post.
  • FloydoFloydo Member ✭✭
    edited October 2016
    Bob L said:

    Got the following encouraging news in an email today so keep your fingers crossed:

    We have identified the issue that is causing the error you are having when
    connecting your Vanguard accounts in Quicken. We're actively working on
    creating a fix to the site that will allow your Quicken downloads to
    continue without a problem. This issue has affected many clients and is a
    high priority. At this time, we unfortunately do not have an estimated time
    of resolution. We'll send you an email as soon as the issue is resolved.
    I just got off the phone related to the same issue with the Fed Money Mkt sweep.  They are very familiar with the issue, and I was told they have "a lot" of open tickets on this...For now I just manually enter the information such as DivX to the Fed MM. I did notice in the web account transfers all funds/stocks had a symbol including their regular money market except the Fed MM......Even tho it is VMFXX........ I had a secondary problem where my mutual funds that had been transferred (by me as a share transfer in quicken and by Vanguard in their process) stopped showing dividends in quicken...Very odd.  After creating a test account with Vanguard web tech (who works with the quicken issues) and successfully downloading those mutual fund transactions, I was given some rather drastic (use two quicken files, or disable and hide old transactions and create new...ugh). I ended the conversation to think it over and looked into if there was something in the account that had changed...in the account edit there is a "Reset Account" button...After backing up selecting the button ---voila, the transactions downloaded.  There was a question that popped up relating the Fed MM name in quicken to an the online name that I agreed to, but otherwise the Reset Account fixed the odd Mut Fund dividend download issue (not a problem for stocks).  The Fed MM still does not show the sweeps, but does record its dividends.....
    Anyway Vanguard may be getting serious about this after about 6 months....
  • Jim_HarmanJim_Harman SuperUser ✭✭✭✭✭
    edited November 2018
    Here is how I am currently working around the issues with the new "improved" Vanguard Brokerage accounts that allow you to hold Vanguard mutual funds, stocks, and ETFs in a single account and use Federal Money market (VMFXX) as the settlement account.

    Basically the problem is that the transaction downloads from Vanguard do not include buys and sells of VMFXX, but the downloaded share balances do include VMFXX.

    1. Funding the settlement account: If you are transitioning from an old-style brokerage account, where the settlement account was a money market fund in your separate mutual fund account, you must move money into the new settlement account before you can buy anything in the new style brokerage account. You do this on the Vanguard website, then in Quicken manually Sell the old money market fund with the proceeds going to the brokerage account and Buy the same amount of VMFXX at $1.00 in the brokerage account. If it is a newly created brokerage account, enter a Deposit of the cash and a Buy of VMFXX. The next day when you connect to Vanguard and download, the share balances should reconcile with no errors.

    2. Buying securities in the brokerage account: 3 working days after completing the trade on the Vanguard website, the transaction should download as a Buy of the new security and a Deposit of cash. Change the Deposit to a Sell of VMFXX at 1.00. The brokerage account cash balance should be zero and the shares should reconcile.

    3. Selling shares: this is the opposite of a Buy - It will download a Sell of the security and a Withdraw of cash. Change the Withdraw to a Buy of VMFXX.

    4. Reinvested dividends in the settlement account: Edit the downloaded transaction to add the share quantity and price of $1.00

    5. Dividends sent to settlement account: This downloads as a Div transaction for the security and a Withdraw transaction. Change the Withdraw to a Buy of VMFXX at $1.00.

    6. Dividends sent to your bank (only works for mutual funds): This downloads a 4 transactions: Div for the security, Withdraw of the same amount, then the next day another Withdraw (the transfer to your bank), and a Deposit. Change the first Withdraw to a Buy of VMFXX for the same amount @ $1.00, and change the Deposit to a Sell of VMFXX, also at $1.00

    Needless to say, this is pretty tedious. Hopefully they will fix it soon!

     
    -- Jim QWin Premier subscription
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