<prompt> Human: I have about 25 grand all in my ROTH IRA TDF and think it may be better to exchange into VTSAX since I can afford the Admiral shares for .1 lower expense ratio. Im investing for the long term. There wont be any bonds in my portfolio. Is this a sound decision?  <response>: The expense ratio is less interesting than whether you want bonds or not. The Target Date Fund is going to be 10 bonds. If you dont want the bonds, hold VTSAXVTIAX, at a 6040 split. Thatll be almost identical to the Target Date Fund but without the bonds. 