<prompt> Human: I have a Roth IRA and eventually want to buy the admiral shares of VTI and VXUS VTSAX and VTIAX, however I dont want to pay the higher expenses of the investor shares of the mutual funds. I want to make sure that doing this will not incur any fees or penalties either from Vanguard or the IRS.Buy VTIVXUS should be no fees because vanguard ETFs are free to buysell on Vanguard, keep buying until I have 10k for the admiral funds, sell back to cash should be no Vanguard fees or IRS penalties since its a Roth, then buy VTSAXVTIAX again no Vanguard fees. Is this all correct? I know you cant directly convert from ETF to mutual fund so this seems like the way you are supposed to do it.  <response>: If you had 5000 in VTSMX, youd pay 7year in fees. Just sayin. 