<prompt> Human: Vanguard manages a lifecycle retirement account which I invest in each month. Today, I notice they are trying to push me to move my funds into a Vanguard Brokerage Account which includes mutual funds; ETFs, stocks, bonds and CDs, and mutual funds and ETFs from other companies. Is there anything to be gained by making this switch? What is Vanguard hoping to achieve by this? I assume this is so that they can start selling me more expensive investment products?Any input would be appreciate. Thanks!  <response>: Its fine to switch, it wont cost you anything, and they wont be trying to sell you anything.Vanguard was sort of old fashioned to even offer accounts that could only buy mutual funds, most other companies only had brokerage accounts that can buy all kinds of things. Vanguard is just standardizing like those others. 