<prompt> Human: I currently have all my mutual funds in a single target date fund, the FFKHX If I wanted to start doing my own allocations, would I move my current money from this fund into my own selections, or would I just move future deposits into new allocations? How can i find out if there are any fees associated with pulling money out of this target date fund?Edit1: This money is in a 403b account. I also checked and it says No Load on morningstar.  <response>: Youd sell shares of the target date fund and then buy funds of the other funds you want. In a taxable account this may trigger capital gains tax consequences.How can i find out if there are any fees associated with pulling money out of this target date fund?Look through the fee disclosures or give your account provider a call. 