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RAG vs Fine-tuning: When to Use What

7 min read

TL;DR

For AI engineers building production systems who want battle-tested patterns for stable agents.

  • Patterns that keep agents stable in prod: error handling, observability, HITL, graceful degradation
  • Ship only if monitoring, fallbacks, and human oversight are in place
  • Common failure modes: spiky latency, unbounded tool loops, silent failures
Jake Henshall
Jake Henshall
October 10, 2025
7 min read

A practical guide to choosing between retrieval-augmented generation and model fine-tuning.

# RAG vs Fine-tuning: When to Use What

**Note:** This post has been updated to reflect the latest information as of October 2023, including updates to APIs, best practices, and pricing models.

The choice between Retrieval-Augmented Generation (RAG) and fine-tuning isn't just technical—it's strategic. Get it wrong, and you'll waste months and money. Get it right, and you'll have AI that actually understands your business.

## The Fundamental Difference

**RAG** gives your AI access to external knowledge without changing the model itself. **Fine-tuning** modifies the model's behaviour by training it on your specific data.

Think of it this way:

- **RAG** = Giving a smart assistant access to your company's knowledge base
- **Fine-tuning** = Training a new employee who speaks your company's language

## When to Choose RAG

### RAG is Perfect When:

**1. Your Knowledge Changes Frequently**

- Product catalogues that update daily
- Customer support documentation that evolves
- Market data that changes in real-time

**2. You Have Large, Structured Knowledge Bases**

- Extensive documentation
- Historical data archives
- Multi-source information systems

**3. You Need Explainability**

- Users want to see sources
- Compliance requires audit trails
- Debugging needs to be transparent

**4. You're Cost-Conscious**

- RAG typically costs less per query
- No expensive training runs required
- Pay-as-you-go pricing model

### RAG Implementation Example

```python
class RAGSystem:
    def __init__(self):
        self.vector_store = PineconeVectorStore()
        self.retriever = SemanticRetriever(top_k=5)
        self.generator = OpenAILLM()

    async def query(self, question):
        # Retrieve relevant documents
        docs = await self.retriever.retrieve(question)

        # Build context
        context = self._build_context(docs)

        # Generate response with context
        prompt = f"""
        Context: {context}
        Question: {question}

        Answer based on the provided context:
        """

        return await self.generator.generate(prompt)

Update Note: As of October 2023, the PineconeVectorStore, SemanticRetriever, and OpenAILLM classes are still supported. Verify that method parameters and functionality remain unchanged in the latest documentation.

When to Choose Fine-tuning

Fine-tuning is Perfect When:

1. You Need Consistent Brand Voice

  • Marketing copy that sounds like your company
  • Customer communications with specific tone
  • Technical documentation in your style

2. You Have Domain-Specific Language

  • Medical terminology
  • Legal jargon
  • Technical specifications

3. You Want Faster Inference

  • No retrieval step means faster responses
  • Lower latency for real-time applications
  • Reduced API costs for high-volume usage

4. Your Use Case is Stable

  • Well-defined problem space
  • Consistent input/output patterns
  • Long-term deployment plans

Fine-tuning Implementation Example

class FineTunedModel:
    def __init__(self, base_model="gpt-4"):
        self.base_model = base_model
        self.training_data = self._load_training_data()

    async def train(self):
        training_examples = self._prepare_training_data()

        response = await openai.FineTuningJob.create(
            training_file=training_examples,
            model=self.base_model
        )

        return response.id

    async def query(self, question):
        # Direct inference - no retrieval needed
        response = await openai.ChatCompletion.create(
            model=self.fine_tuned_model,
            messages=[{"role": "user", "content": question}]
        )

        return response.choices[0].message.content

Update Note: The base model remains gpt-4 as of October 2023. The FineTuningJob.create and ChatCompletion.create methods are still valid. Check for any newer models that might offer enhanced performance.

The Hybrid Approach

Sometimes the best solution combines both approaches:

When to Use Hybrid RAG + Fine-tuning

1. Complex Enterprise Applications

  • Fine-tune for company voice and domain knowledge
  • Use RAG for real-time data and external sources

2. Multi-Modal Requirements

  • Fine-tune for consistent formatting
  • Use RAG for dynamic content integration

3. Cost-Performance Optimisation

  • Fine-tune for common queries (faster, cheaper)
  • Use RAG for complex, one-off requests

Hybrid Implementation

class HybridAI:
    def __init__(self):
        self.fine_tuned_model = FineTunedModel()
        self.rag_system = RAGSystem()
        self.routing_logic = QueryRouter()

    async def query(self, question):
        query_type = await self.routing_logic.classify(question)

        if query_type == "standard":
            return await self.fine_tuned_model.query(question)
        elif query_type == "complex":
            return await self.rag_system.query(question)
        else:
            # Combine both approaches
            rag_result = await self.rag_system.query(question)
            fine_tuned_result = await self.fine_tuned_model.query(question)
            return await self._combine_results(rag_result, fine_tuned_result)

Update Note: The integration between fine-tuning and RAG components follows the latest best practices as of October 2023.

Decision Framework

Ask These Questions:

1. How often does your knowledge change?

  • Daily/Weekly → RAG
  • Monthly/Yearly → Fine-tuning

2. How important is response speed?

  • Critical (< 1 second) → Fine-tuning
  • Important (< 5 seconds) → Either
  • Flexible (> 5 seconds) → RAG

3. What's your budget model?

  • Pay-per-query → RAG
  • High-volume, predictable → Fine-tuning

4. How complex is your domain?

  • Simple, well-defined → Fine-tuning
  • Complex, multi-faceted → RAG

5. Do you need explainability?

  • Yes → RAG
  • No → Either

Cost Analysis

RAG Costs

  • Setup: Low (just vector store configuration)
  • Query: Pay-as-you-go
  • Maintenance: Low (update vector store as needed)

Fine-tuning Costs

  • Setup: High (training runs)
  • Query: Lower per query after training
  • Maintenance: Moderate (retrain as needed)

For a comprehensive AI strategy, consider the balance between RAG and fine-tuning based on your specific needs and constraints.


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