INPRS Target Date Funds are designed to seek an appropriate amount of total return, commensurate with risk, given the specific time horizon of each fund. They provide participants with a "one-stop shop" for investing. Participants simply choose the fund most appropriate for them based on the year in which they plan to withdraw their money (usually their retirement year). For instance, a participant wishing to retire in 2041 would select the 2040 Fund, whereas a participant wishing to retire next year would select the Retirement Fund. Once a participant selects the appropriate fund, the underlying asset allocation automatically adjusts over time.