<prompt> Human: I have been reading a lot of investment guides am about to take the leap of investing in addition to my retirement which is at 15. I am hoping to use these funds in 10ish years to help with a down payment or remodel bathroom etc. My question is the if I wanted to start investing in a target date fund does it have to be a retirement account or can it be my taxable investment account?  <response>: It can be in any account. 