HSA Investment options

[okkiedokki]

Quick question, I'm currently maxing my HSA out; I am keeping $1,000 in cash and anything above that is invested.  I've been just putting 85% of my investments into VIIIX and 15% into VSIAX.  Am I being too risky?  Not risky enough?  What are your thoughts?  (attached are my investment options.)

[EvenSteven]

If your HSA is not for immediate health expenses, you should treat it as part of your overall portfolio, and make sure that your overall asset allocation is in line with what you want. If those percentages in your HSA give you your desired asset allocation, then it is the correct amount of risk. For tax purposes you can think of your HSA like a Roth IRA, if that helps.

[chasesfish]

Those are awesome investments, VIIIX is incredible.

I'd encourage you to save your HSA receipts and let the money accrue

[okkiedokki]

If your HSA is not for immediate health expenses, you should treat it as part of your overall portfolio, and make sure that your overall asset allocation is in line with what you want. If those percentages in your HSA give you your desired asset allocation, then it is the correct amount of risk. For tax purposes you can think of your HSA like a Roth IRA, if that helps.

That's a good point, I didn't think about that.  I'm going to have to re-evaluate it with my 401K and ira altogether.

Those are awesome investments, VIIIX is incredible.

I'd encourage you to save your HSA receipts and let the money accrue

Thank you.