2055 or 2060- be more aggressive for these reasons:
1) the biggest risks are market risk, return risk and inflation risk. The longer the money is invested, the less market risk you actually have, which means you can invest as aggressively as possible for next 20-25 years with a 40 year horizion to needing the money.
2) I doubt age 65 is a retirement age for someone in your position unless you invest heavily NOW. I think people your age now will be retiring at 70 or 75.
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