Context
I am 25, turning 26 this month
My employer offers a 401k that can be Traditional or Roth, and they do not match. I contribute 10% per paycheck and have it going to the traditional option. The total amount right now is about 10K.
I know should be higher 
but I have a lump sum in high yields saving account that I plan to use for my first home to house hack, hopefully early next year… anyway that is a different conversation.
Although my employer doesn’t match, the fund they offer is pretty good from what I’ve learned here.
It’s VILVX (Vanguard Institutional Target Retirement 2060 Fund)
The expense ratio = .09%
Compiled of 4 funds - US stock, International, bond, and cash.
Question:
Can I convert it to the Roth option instead of traditional and what are your thoughts on doing so?
Also thinking about opening a personal Roth outside of my employer and trying to max it out to the 6K limit, feedback from the community, and yourself on best practice is appreciated.