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This is a big drawback !!. I upgraded to this version but cannot use it based on this limitation. In fact, I learned from Fidelity Investments ( [...]) that QIF is no longer supported in Quicken 2005 ::-- "You can download your selected transaction History Period: 05/08/2004 to 08/05/2004 from NetBenefits to popular personal finance packages such as Microsoft MoneyTM or QuickenTM. The download file created uses the Quicken Interchange (.qif) file format. Please Note - the Intuit Quicken 2005 personal financial management software will no longer support the use of the QIF file formats." While I agree that Quicken did phase out the support of QIF files ([...] But if Financial Institutions are not willing to support QFX, we CANNOT use this product. Downloading transactions is a core part / basic layer for using this software. Also in case of Fidelity, they do not allow QFX connection to their 401k database but they do allow QFX data transfer with their Investment accounts. So I agree to some extent the fault lies with these financial institutions. But my main point is that if I cannot download my 401k transactions into Quicken 2005 ( given the QIF limitations ), how do I use this version ? Again Fidelity is just an example. I am sure there are many more financial institutions. Maybe waiting till Quicken 2006 will give Quicken sufficient time to work with financial institutions to ensure QFX is supported across the board.