<prompt> Human: I have transferred my EJ accounts to Vanguard, but the funds Lord Abbet funds with high expense ratios are still the same. Vanguard wont allow me to exchange the funds for better ones, so it looks like I have to sell them and then buy new ones instead. I dont have a problem doing this, but Im worried about taxes.As far as I can tell it shouldnt be a problem with the Roth IRA but it looks like I may have to pay taxes on the gains from traditional IRA. Is this correct, and if so, how do I calculate what this will be? Also, since Im not actually getting the money I shouldnt get hit with an early withdrawal penalty, right?Important info: USA, Ohio Current funds expense ratios 1.2 50k in the IRAAny help would be greatly appreciated!  <response>: Moving what an IRA is invested in doesnt cause taxes to become due. Taking money out of the IRA might.So you can sell what both traditional and Roth IRAs are invested in and then reinvest in different funds with no taxes. The only time you would worry about taxes would be if you withdraw money out of the IRA account. 