Category

HSA research

How To Invest HSA Funds: Payroll-To-Portfolio Protocol

The payroll-to-portfolio HSA protocol: minimize taxes, automate contributions and investments, and let it compound.

Refinedfi

13 min read

How To Invest HSA Funds: Payroll-To-Portfolio Protocol
HSA vs Roth IRA vs 401(k): Where Should Your Next Retirement Dollar Go?

HSA vs Roth IRA vs 401(k): Where Should Your Next Retirement Dollar Go?

Want a retirement edge most people miss? The HSA beats the Roth IRA and 401(k), if you know three rules. See the 2026 math.

9 min read

Featured

HSA vs Roth IRA vs 401(k): Where Should Your Next Retirement Dollar Go?

Want a retirement edge most people miss? The HSA beats the Roth IRA and 401(k), if you know three rules. See the 2026 math.

9 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, Reinvented

Most retirement portfolios are built to grow wealth. This one was built to distribute income and survive difficult markets.

7 min read

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