Your 401(k) Portfolio: One Job, One Fund, and Where the Rest Belongs
A little of everything is not a portfolio. Here is the 401(k) allocation by stage, and what belongs elsewhere.
Refined FI
19 min read
Category
401(k) research
Target-Date Fund vs S&P 500: Which One Gets You There Sooner?
Target-date fund vs S&P 500, run on real returns. One of them took 4.5 to 5.6 years longer to get you to the same number.
13 min read
Fidelity BrokerageLink: Two Questions Before You Open It
Fidelity BrokerageLink is worth it only if your plan lets you contribute 15% or more and you have a portfolio tested to beat the index and protect on the downside.
19 min read
Best 401(k) Investments: Find The Index Fund Hiding On Your List
Your plan's fund list is a puzzle with one answer. Look for index, 500, or large cap blend, then check the fees. The cheapest fund is usually it.
19 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
Featured
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
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