<prompt> Human: I have 9,000 in targeted retirement mutual funds in a Roth IRA at Vanguard. My fee rate on those funds is 0.18. I expect to be working at least another 30 years. The Admiral shares funds have much lower fees. Is there any harm in cashing in my mutual funds keeping them in Roth IRA status of course! and contributing 1000 more in order to buy into Vanguard 500 Index Fund Admiral Shares VFIAX which has a minimum investment of 10,000? Its expense ratio is 0.05 which is a huge selling point to me. And since I dont expect to retire for so long I have at least 25 years until I can take money out of my Roth without penalty, I am hoping the greater risk factor now would be worth it in the long run.Also, once Im bought into the Admiral fund, I dont have to keep my allocation at 10,000, do I? Lastly, if anyone could explain what the benefit of the fund ETFs versus InvestorAdmiral shares, I would be super grateful.  <response>: The difference between a .05 and a .18 ER on 9000 is 11.70year. I would not give up the diversification offered by the Target fund for that amount. 