<prompt> Human: I was just about to pull the trigger on the VFIFX, when I realized there was no option to convert to Admiral shares with a much lower expense ratio. Why wouldnt I just buy the same funds that VFIFX consists of and adjust them every 1-5 years. Down the road when I have enough invested, my funds will convert to admiral class and lower my expense ratio to 13 right?  <response>: For the time being in which your total assets are less than what would be required to convert to admiral shares, VFIFX offers you convenience at no cost.When your VFIFX holdings reach the point where you could convert the all four of the underlying funds to admiral shares, exchange VFIFX into those funds for the appropriate amounts based on your desired allocation. Of course, youll be responsible at this point for manually reallocating your portfolio. 