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Every stage research

Dead Weight: Zombies in Your Portfolio

If your portfolio holds small-cap funds, you're carrying dead weight into retirement. The market has changed.

Refinedfi

6 min read

Dead Weight: Zombies in Your Portfolio
Not Permanent: Markets Change. Assets Should Too.

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

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