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HSA suggesions
Posted on 4/15/25 at 10:56 am
Posted on 4/15/25 at 10:56 am
We need to move ours ... it's earning an embarrassing rate and yes I know it's crazy to have it there.
Forbes in 2025 lists Fidelity as a 5 star great option. Any thoughts? Please give me your best suggestions.
Also, is it difficult to move a HSA??
Thanks in advance.
Edit to add this is not done through an employer if that makes any difference.
Forbes in 2025 lists Fidelity as a 5 star great option. Any thoughts? Please give me your best suggestions.
Also, is it difficult to move a HSA??
Thanks in advance.
Edit to add this is not done through an employer if that makes any difference.
This post was edited on 4/15/25 at 10:59 am
7
Posted on 4/15/25 at 11:35 am to tiger91
Lively is good in my experience and allows you to trade through Charles Schwab
Posted on 4/15/25 at 11:39 am to lighter345
I also use lively and Charles Schwab.
Have heard great things about fidelity. I think fees may be slightly lower on fidelity to trade
Have heard great things about fidelity. I think fees may be slightly lower on fidelity to trade
Posted on 4/15/25 at 12:13 pm to tiger91
We moved everything from Healthequity to Fidelity at the end of last year. Have been pleased with it so far.
Posted on 4/15/25 at 1:19 pm to Rendevoustavern
Thanks everyone. We just put the money in and never even use it unless it’s a major deal (surgery type things). I never even look at it until I have to add to it. We do it once a year and then forget it.
Until today.
Thanks again.
Until today.
Thanks again.
Posted on 4/15/25 at 1:20 pm to horsesandbulls
Like I want to put it and add to it and forget about it.
Posted on 4/15/25 at 2:52 pm to tiger91
Your HSA doesn’t offer an investment option?
Mines done through UMB HSA Investments.
Mines done through UMB HSA Investments.
Posted on 4/16/25 at 6:33 am to tiger91
I have one through an employer but there are no investment options so we opened another one through Fidelity and do a transfer of assets every so often. This allows us to invest the money. We plan on not touching it until retirement....it's one of the best accounts you can use to invest since it's a triple tax advantaged account. Fidelity made it pretty seamless and I would recommend them.
Posted on 4/16/25 at 8:20 am to tiger91
Wait, what? Your hsa doesnt offer an investment option???
That’s the entire point of an hsa lol
I don’t even use it for medical expenses haha. I put 100% of hsa funds into investments.
That’s the entire point of an hsa lol
I don’t even use it for medical expenses haha. I put 100% of hsa funds into investments.
Posted on 4/16/25 at 8:45 am to dlmast87
quote:
employer but there are no investment options
Have a word with your HR department; they're typically not great at money and don't look at a lot of details other than benefit coverage and cost vs. the prior year. This is borderline negligence in 2025.
Posted on 4/16/25 at 9:12 am to tiger91
I use HealthEquity and have had no issues with them, everything has been very easy. The investment options they have isn't ridiculously vast, but it does have VTSAX so i'm good 
ETA: And i've never heard of an HSA platform that doesn't offer investment options. Every platform i've looked at has them. Not to say it isn't possible, just very bizarre. Could you possibly have an FSA instead?
ETA: And i've never heard of an HSA platform that doesn't offer investment options. Every platform i've looked at has them. Not to say it isn't possible, just very bizarre. Could you possibly have an FSA instead?
This post was edited on 4/16/25 at 9:15 am
Posted on 4/16/25 at 9:32 am to tiger91
If you use a broker like Fidelity you can invest in direct stocks, funds, or whatever. Very easy.
Posted on 4/16/25 at 9:39 am to dlmast87
quote:
I have one through an employer but there are no investment options so we opened another one through Fidelity and do a transfer of assets every so often.
Interesting. Your HSA will allow you to move it anywhere you want?
My company uses Optum as the HSA and they have Betterment as the investment vehicle. Betterment is somewhat limited, imo.
Posted on 4/16/25 at 10:11 am to CharlieTiger
quote:
Interesting. Your HSA will allow you to move it anywhere you want?
My company uses Optum as the HSA and they have Betterment as the investment vehicle. Betterment is somewhat limited, imo.
Yes, but since it's a transfer of assets it takes a couple of weeks so I only do it a handful of times a year. Definitely not ideal. HSA is serviced by a local bank which I'm guessing is why we have no investment options.
Posted on 4/16/25 at 2:20 pm to CharlieTiger
quote:
My company uses Optum as the HSA and they have Betterment as the investment vehicle. Betterment is somewhat limited, imo.
My company until end of last year was using Optum. What I did was every 6 months, I'd initiate at Fidelity an online transfer of assets from Optum to my Fidelity HSA. No issues, it would usually take 2-3 weeks for it to show up at Fidelity.
I wouldn't transfer everything and leave $100 so that the account doesn't get closed etc.
Posted on 4/16/25 at 2:58 pm to GoCrazyAuburn
Nope definitely HSA.
Posted on 4/17/25 at 11:06 am to tiger91
I have mine at Fidelity, it's been over 5 years. Very easy to transfer and invest in whatever meets your future needs. I invest most of the $ in higher expected return assets to help offset future health care costs.
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