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biden-s-expansive-economic-agenda-teed-up-for-senate-endorsementDemocrats did not include an increase in the federal debt limit, which will have to be passed soon after Congress returns to work next month, along with a stop-gap spending bill to keep the government open after the fiscal year ends Sept. 30. That means an increase in the debt limit would not be eligible for the lower simple-majority threshold for budget-related legislation and be vulnerable to a filibuster unless at least 10 Republicans and all 50 senators who caucus with Democrats vote to limit debate.
Thanks for giving examples of what bothers you. Some I agree with, some are beyond Vanguard's control, and some don't fall under the rubric "poorly designed and inefficient".
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Research facilities are clunky and barebones - I completely agree that Vanguard doesn't provide useful fund search tools (poorly designed site in this respect, since the info is there, just not easy to get to). Then again, I wouldn't use Fidelity's fund search tool or that of any brokerage for a new search. YMMV.
I don't use Fidelity's fund screener as my primary research tool.
However, I have discovered a few good funds via Fidelity's tool that I was previously unaware of.
I'm not asking for much in the way of research tools, but it would be nice if Vanguard offered a good fund screener.
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"Balances and holdings" view of data different from "account overview" view of data - These have a relatively small amount of data in common (current price and holdings), but otherwise differ in content and purpose.
The pages reached via "account overview" provide lots of data in addition to price and holdings (YTD/1/3/5/10 year returns, SEC yield) but only as of the current (or standardized) moment in time. The pages reached via "balances and holdings" provide only the price and holdings, but at multiple moments in time.
Where I think the "modern" layout erred was in including divs and capital gains data under "Holdings." These data belongs under "Activity" as they are historical. In fact, you can find them under the Activity tab, and filter for them using the Transaction Type select box.
When I login, the "normal" Account View is displayed. The second part of each example above refers to navigating the menu under "My Accounts". You're missing the larger point that page layouts are completely different. I can't think of a good reason to implement totally different page layouts for the same (or similar) data.
Two different presentations of transaction/activity/history data- Unlike the other example, here the two sets of pages really are presenting "the same (or essentially same) data".
Some people like the ability to choose a layout, especially a "classic" (what you call "dated") layout that they're accustomed to. Others, as you wrote can get confused by having too many (read: more than one) choice.
It might have been better had Vanguard provided a mode setting for the website: "new" vs. "classic". Though given Vanguard's inability to support a "new" (brokerage platform) and "classic" (fund platform) simultaneously I have doubts about their ability to implement a mode setting.
I never wrote that others can get confused; I said it can be distracting.
It would have been better if Vanguard provided "new" and "classic" views.
Personally, what I care about is functionality and ease of use for buying/selling/exchanging mutual funds (including the ability to cancel orders). Not research, and not nightly updates by 9PM ET. Sure the website could be better, though.
Functionality and ease of use are also my two primary concerns.
I don't expect a vast array of research tooIs but a good fund screener would be nice to have.
Although Vanguard has many other strengths, their website could be improved.
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Do you mean like this one (link is to a capture of Scottrade's login page from June 25, 2004)?Vanguard's website for brokerage clients is poorly designed and inefficient.
The "look and feel" reminds me of websites from the late '90s or early aughts!
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