What do I chose as far as a Target Date Index Fund if I want to retire earlier? Is that still the better product at that point?
In my opinion, you should base it on how long you plan to live, not when you retire. Let’s say you retire at 40, you could still have 50+ YEARS ahead of you. So you wouldn’t want to have a very conservative investment portfolio at that time, because you want it to keep growing so it will last all that time.
So for TDIFs I generally recommend taking your birth year, adding 65 and rounding up to the next biggest target year, regardless of when you plan to retire 
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Hi @Vivita_r,
I hope to retire early but in terms of stocks/bonds allocation I just pick my birth year + 65 because I can always take my retirement accounts and reallocate the funds towards a different retirement age. If this money is in your 401K or Roth IRA, you most likely cant access the funds before turning the specific age anyway.