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.
Refinedfi
7 min read
Category
Portfolio Strategy research
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