If you joined the Ethical Fund before October 1999 you may have funds invested in a related Ethical TDF Pre 1999. There are a large number of Ethical TDFs which match the different retirement dates for our members. Please choose the Fund Factsheet which relates to your Target Retirement Age. For example, if you were born in March 1971 and had selected to retire at age 69, you will be retiring in 2040. Therefore, you should select the Ethical Pre 99 Target Date Fund Factsheet (2038-2040).