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) mix by stage, and what belongs elsewhere.
Refinedfi
19 min read
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Building Wealth research
Best 401(k) Investment: Why Target-Date Funds Delay Retirement
Want to delay retirement? Target-date funds took 4.5–5.6 years longer than an S&P 500 index fund.
12 min read
How To Invest Your 401(k): One Simple Answer Most Articles Avoid
When given a limited menu to choose from, this is the ideal process to invest your 401(k) for your future.
16 min read
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.
13 min read
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
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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