For anyone following the thread, I followed the link and found this especially interesting note:Most Vanguard ETFs have the same expense ratio as Admiral shares ...http://www.bogleheads.org/wiki/Investing_FAQ_for_the_Boglehe...Since I do not qualify for Admiralty shares, this means I can get the same (lower) expense ratios as the Admiralty shares through the ETF. It also states that Vanguard generally permits its customers to exchange mutual funds for ETFs free of charge.Thank you,I can save a ~0.1% (ballpark) or so annually this way - it may not seem like much but it is better than a sharp stick in the eye ;)
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