There are some things to consider that I had to weigh. My son has a Roth, so he made the conversion. My wife and I have taxables with only VTI in each. I had to simmer down and realize that the only fee is going to be a single transaction fee. Both or our accounts are new, so if we were to convert, we'd be hit with short term cap gains. No thanks. We'll be holding VTI and just let it ride for now.