<prompt> Human: So I have recently opened up a Vanguard Roth IRA and have been slowly contributing to my money market fund. I dont have enough to purchase a fund yet so I have some questions about purchasing ETFs namely the SP 500 ETF - VOO. So I purchase ETFs. Eventually I have 1000 and I can now purchase a target date fund. This would require me selling my ETFs correct? Are there tax implications from capital gains or can I sell them straight up to get into a Target date fund? Is it worth buying ETFs for the time being or should I just wait and save until I have 1000?Once I have 3000 I would like to purchase one of the three index funds as recommended in the IRA Wiki on here. Can I just sell the target date fund to get into the index fund? Will there be tax implications? Thanks.  <response>: There are no taxes inside a Roth IRA.Buy the ETF.Sell it and buy the target date fund when you have enough money.No worries. 