<prompt> Human: As the title suggests, heres my situation:30 yold male, Married wife has negligible income0 kids80kyear Salary 53k in Roth IRA 5k in 401k10k in Bank AccountIm trying to decide what should choose as my maturation date for a Target date fund and was looking for some advice in doing so. I know that the standard responses is it depends on when you want to retire. Of course I assume thats somewhere between the ages of 55-65, but really I have no idea and Im hoping that someone else has come up with a rational way to decide on this mysterious date. Looking for any advice! Thanks!  <response>: Its not really a maturation date; the date defines the risk. The farther out the date, the riskier the investment profile. Im pretty sure the Vanguard TDFs have similar values for those dates.Vanguard will rebalance, or alter the risk profile of the fund, as it gets closer to the target date. Generally speaking this means over time they will increase the in bonds as they reduce the in stocks. 