I would appreciate investing advice for my HSA. I am fairly clueless when it comes to investment options. I am 40 years old and have my 401K in a Vanguard Target Retirement 2045 Trust Plus fund. I have about 30K in my HSA that I have unfortunately not ever invested. I can put it into any number of Vanguard funds. I don't mind being a little more aggressive with this compared to my 401K, I suppose, but I still don't want to actively manage it.

Any advice is welcome!

Stick it in your favorite index fund. S&P 500, total market, or even your Vanguard Retirement 2045.

Don't touch it. Save all receipts for medical expenses.

bam02 said:

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I would appreciate investing advice for my HSA. I am fairly clueless when it comes to investment options. I am 40 years old and have my 401K in a Vanguard Target Retirement 2045 Trust Plus fund. I have about 30K in my HSA that I have unfortunately not ever invested. I can put it into any number of Vanguard funds. I don't mind being a little more aggressive with this compared to my 401K, I suppose, but I still don't want to actively manage it.

Any advice is welcome!

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You can look at the HSA as an extension of your retirement. If you are pretty certain you wouldn't use it for an operation of some sort in the next 25 yrs, then invest it like your retirement.

Looking at the info from VG on the fund, it has about 55% US stocks, 35% international stocks, and rest in bonds.

You can find the same in your HSA and balance it similarly.

I wouldn't add that much in international, but Vanguard is doing it, and they are pretty smart.

My HSA is through HSABank which allows me to invest through TD Ameritrade.

I keep $5010 in the HSABank cash account to avoid all monthly fees.

I have an auto-sweep to TDA for all amounts of $5010.

Once $ hits TDA, I buy VTI (exchange traded fund of the total US stock market)

themissinglink said:

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Stick it in your favorite index fund. S&P 500, total market, or even your Vanguard Retirement 2045.

Don't touch it. Save all receipts for medical expenses.

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this

Thanks y'all. I'll check to see what minimum balance I have to keep to avoid fees. Mine is through Health Equities and it is affiliated with Vanguard so it should be easy enough.

Watch those fees. I used to have mine with HSABank but transfered to Fidelity. Much cheaper.

Lively has no fees, I think. and can invest through TDA. I also had HSABank previously.

I have Lively, seems to work for me.

My GEHA HDHP forces me to use HSABank. But I pay no fees.
Once a year a do a rollover to lively. no cost.

It's very hard to find low fee funds in HSA. I went with SPTM

I'm just starting an HSA in Jan through work. I'd like to keep some in that account (low risk for just in case) but over time move some over to a Fidelity HSA into an index fund. Is it just a matter of doing an asset transfer? It seems like on their page you can do partial transfers but I'm not 100% sure.
The goal would be pay out of pocket for pretty much everything but still have some in that low risk account for emergency.