Hello fellow Mustachians. I have an HSA through my employer. I’ve only had the HSA since January, and I haven’t actually reached a contribution level where I can yet start investing the excess, however I’ve been reviewing my options and don’t think they’re very good. I will attach the options below. I don’t have the option of making pre-tax contributions to another HSA at the moment, unfortunately. I’m hoping one of you (or several of you) can make some recommendations on which fund or funds might be a reasonable choice given the options.
I’ll admit I’m still a newbie investor, so maybe there’s something here that isn’t a terrible option. I did contact our benefits folks to see if they can explore adding some lower ER index funds, and they said they would forward my request to the “executive committee”, so maybe there’s hope.
(edited to answer relevant and important questions from below--ongoing editing likely to occur):
- I do not anticipate any large medical expenses for quite some time that I will not be able to cover out of pocket. I am fortunate to have a solid enough income to deal with most bumps in the road for the next few decades, though catastrophe can strike whenever it wants to. My intent is to utilize this as a tax sheltered retirement account, contributing up to the maximum allowable for the forseeable future.