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.
Refinedfi
12 min read
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Target-Date Funds research
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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.
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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.
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Retirement Income, Reinvented
Most retirement portfolios are built to grow wealth. This one was built to distribute income and survive difficult markets.
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