If I invest enough to get standard vanguard shares, and then add to it sufficiently to reach the admiral level, how easy is it to switch the funds over? Is this just a Vanguard label, or will the switch mean I have short term capital gains, which I'd like to avoid?
Basically I can invest the initial $3,000 today, but won't be able to invest the full $10,000 minimum for 1-2 months. Do I get started now, or wait?