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foreign from Scripps Ranch Ive decided to delay my retirement until I am 74. how can I adjust my target date funds to be consistent with my revised retirement date now thats an interesting question well first of all Julie thats thats a long time to work but congrats so probably like your job and youre feeling healthy thats great how would you answer that question Joe well hes pushing out our retirement to a little bit older age shes got a Target date fund that has a retirement date you probably if you want to continue with the target date funds just kind of move it to the date of your retirement instead of 2021 Im going to retire in 2025 you can pick the 2025 retirement tape fund you know thats one easy way to look at things but you probably want to be a little bit more sophisticated and hey now you have a few more years until you need to tap into those dollars so does it make sense to keep your allocation the same do you want to be more aggressive it all really depends on ou