<prompt> Human: My spouse wants to stagger a few different retirement target date mutual funds. The earliest one being 2040 VFORX when shes 60. Given that thats just over 20 years away, and if we max out the Roth IRA up until that year...how much money can we expect to have? Is there a good online calculator? Whats a typical average rate of return?  <response>: really no need to stagger lots of overlap with no additional diversity ...just choose the one that matches your risk level or desired Asset Allocation.No one can predict the future...Ive read John Bogle guesses around 7 returns in the future...maybe 4 of that in increase in Net Asset Value, 3 dividend.Any number can be input into a planning tool...if you think more, use 10...less maybe 5. 