<prompt> Human: Does anyone invest in mutual funds with target retirement dates that are before your actual retirement date? ie invest in a 2035 fund even though youll be around 45 at that time? If yes, what is your plan with these funds assuming theyre in a taxable brokerage account? Will you start withdrawing once that year comes around or keep longer? If withdrawing, will you withdraw all at once or do periodic distributions?Sorry if these are dumb questions!  <response>: Yeah. If you want more risk ie stocks, choose a date later than your actual retirement age. And the opposite for less. They arent a contract. You can sell shares in a target fund at any time. 