federal tax penalty. 4For comparative purposes, the number of funds rated by Momingstar in the following categories for the stated periods were for Target Date 2016.2020, 191 funds/overall and 3-year, 164 funds/5-year; for Target Date 2021.2025, 75 funds/overall and 3-year. 63 funds/5-year; for Target Date 2026-2030.