How To Invest HSA Funds: Payroll-To-Portfolio Protocol
How to invest HSA funds so they compound instead of sitting in cash: contribute through payroll, auto-invest on payday, and pay medical bills out of pocket.
14 min read
Retirement Research & Investing Guides
Latest articles
BlackRock's Diversified Fixed Income Fund Is Not As Diversified As It Sounds
BlackRock's BDVIX owns thousands of bonds, but retirement income diversification requires more than one income engine.
8 min read
HSA vs Roth IRA: Where Should Your Next Retirement Dollar Go?
Want a retirement edge most people miss? The HSA can beat the Roth IRA, if you know three rules. See the 2026 math.
10 min read
Does Your Bond Fund Need Ozempic?
The best bond funds for retirement are usually active, flexible funds, not debt-weighted indexes. Refined FI weighs inflation and stock-bond correlation first.
11 min read
Not Permanent: Markets Change. Assets Should Too.
The Permanent Portfolio got the framework right: assets need jobs. But one fixed 25/25/25/25 allocation may not solve retirement.
6 min read
Dead Weight: Zombies in Your Portfolio
If your portfolio holds small-cap funds, you're carrying dead weight into retirement. The market has changed.
6 min read
Retirement Income Sources: More Than Stocks and Bonds
Retirement income sources that behave differently in difficult markets. Most portfolios are built to grow wealth. This one was built to distribute income.
7 min read
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