<prompt> Human: Im in my earlymid twenties and have recently passed the 10,000 dollar mark on my Roth. Right now, itsall in the Vanguard Balanced Index Fund Investor Shares VBINX. Now I know this sub shies away from giving direct investment advice, and Im not looking for that; but I am wondering what are the benefits or possible negative consequences of exchanging these shares for Admiral shares, either of the same fund or of a more aggressive, stock-heavy fund. What will the lower expense ratio give me over time?Right now, my fund is a mix of 60 stocks and 40 bonds. Vanguard says that I should be shooting more for 90 stocks, 10 bonds because, I think, of my age?. Advice, ideas, anything welcome.P.S. I am contributing max per year. P.P.S. Is there any benefit to having different funds in the roth, or does keeping a low-index fund take care of that anyway?  <response>: There is no downside to exchanging for Admiral shares. In fact, Vanguard may do it for you... they automatically upgraded one of my accounts to Admiral, just giving me the option to opt out if I didnt want it done for some reason. VBINX is a bit more conservative than you probably want at your age. Best to do something with a bit more upside. I would recommend a target date fund, you just set it and forget it. But there is nothing wrong with being in VBIAX the admiral of VBINX. 