Back in 2020 I changed my Vanguard account to a managed account and I have been paying them for 2 years to do absolutely nothing. After scheduling a couple of meetings, and making it clear that I was not happy with the way they were handling my account, I receive a letter stating that they will no longer charge me for managing my account. Why were they charging me in the first place? Not only did they not make any changes to the investments, even though I was losing a significant amount of money month after month, but they were also charging me as well. Well enough was enough. I moved all of my money from Vanguard to a more customer focused firm 2 weeks ago and I'm glad I did. In one of the meetings, and after losing 20% of my account, I asked them how much money they were going to watch me lose before they made any changes to the account. They said they would not make changes because they felt my investments were exactly the way they should be. Really? I have been extremely dissatisfied with Vanguard. By the way, I have had another IRA with another firm side by side with Vanguard, and the other account has done much better in this bad market.