Target-Date Fund vs S&P 500: Which One Gets You There Sooner?
Target-date fund vs S&P 500, run on real returns. One of them took 4.5 to 5.6 years longer to get you to the same number.
Refinedfi
13 min read
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Target-Date Funds research
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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.
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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 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.
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