Vanguard will do all possible tricks to hold your money. They blocked access to my account after I moved some founds to the bank which is connected with my vanguard account from, and from which bank I founded Vanguard. They called this transaction a fraud activity. To unblock, they require their PAPER filled and NOTARIZED form to be mailed. I am traveling, and when asked how it can be resolved, well, turned out it can't. The Fraud department can't be called. Only one of 4 agents (sales people really) told that there is a phone option to unblock, and I will be basically interrogated. One agent hung up. Two more times I called, the system hung up. I found another number to call. Every step in the conversation I was put on hold for a long time. Finally after 3 hours on the phone, after I asked for a case number, they claim they will call in 72 hours!!!! I am still waiting. This is not the first time when Vanguard is blocking access to my money under all kinds of absurd claims. I have never invested in a worse from Vanguard company. You can open an account in 5 minutes, when you want access to your money, you will not have it without very stressful process. The same happened to my daughter when from the sale of her home she wanted to invest the equity. They right away blocked her account to FBA investigation where the money came from, although, all transfers were legal and accessible to any financial institution to see. And I was the one who recommended it to her. True, they were the only one who offers some return on a money market account, but to me it is not worth the stress especially when I needed to access my savings for an emergency.