I learned my lesson, ***do NOT use the app for transactions*** use only the website. OMG this is terrible and there's no documentation. A few weeks ago I put my full annual contribution into my IRA and the vanguard APP did not apply the funds correctly. I now see the money is sitting in a money market account, not an index fund. There was no indication that was what would happen! There's an extra step to fund the IRA and no indication how to actually do that through the APP. So mad right now.