<prompt> Human: Im very young and have no clue when I plan to retire. How should I choose my target date?  <response>: If you take a look at them, its quite likely that the 2045 fund, the 2050 fund, the 2055 fund, and so on, all have a nearly identical fund allocation. So it doesnt terribly matter much right now. If its wrong, youll have a while to fix it.If you want to calculate the correct year, then figure out what year youll be 60 years old in. Maybe 65. Then pick that one. Itll probably be 2055 or 2060. If you find out in 20 years that you want to retire earlier or later, you can change it. 