<prompt> Human: I got an email today from Vanguard:Subject: Action requested on your accounts by November 4, 2014 Body:Were simplifying our account structure to better serve you, and we need your help.What you can expect:Currently, we offer separate account typesone for Vanguard mutual funds and a brokerage account for Vanguard exchange-traded funds ETFs, as well as stocks, bonds, certificates of deposit CDs, and funds and ETFs from other companies. Our new structure lets you hold Vanguard mutual funds in brokerage accounts, so you no longer need separate accounts.As always, there are no commissions to buy or sell Vanguard mutual funds and ETFs.We need your permission to move your Vanguard mutual funds into brokerage accounts. This change wont cost you a thing, and it will help us serve you more efficiently.Simply visit vanguard.comaccountupgrade and click Start, or log on to your accounts at vanguard.com. If you dont already have a brokerage account, our online process will guide you through opening one and requesting a transfer of your Vanguard mutual funds into it.I looked into it, and its not a phishing email. Are there any downsides to consenting to this? Im not a very savvy investor - I just have a mix of stock and bond ETFs. I wanted to check theres not some hidden catch Im missing.  <response>: I would do it in a heartbeat. Ive wanted to convert my account to the combined type for years, but they still havent sent me an email : 