<prompt> Human: I want to open a targeted retirement account at vanguard but was wondering if there was a way later on to roll over that account to the individual admiral shares once I have accumulated enough money.  <response>: Theres no easy process like converting investor shares to Admiral shares with basically one click - you have to exchange shares of the target date fund to shares of each individual Admiral shares fund you want to invest in. Its not difficult, but it is an extra step. 