HSA Rollover: which ETFs do people recommend (TD Ameritrade)?

[charis]

So I opened an HSA at Elements Financial (formerly Eli Lilly) to get access to commission-free Vanguard ETF options.  My current HSA administrator is Chase and the fees for an investment account are crazy high.

I am mostly a novice re investing.  Any advice as to which ETFs to pick?  How many? I am thinking VTI, but that's all I got so far.

[charis]

Edit title to make it clearer.

[Mississippi Mudstache]

I have an HSA through HSA Bank. The fees are very low. The account is linked to a TD Ameritrade investment account, and I use their fee-free ETFs exclusively. Since my HSA makes up a small portion of my total portfolio, I just invest everything in VTI and use my larger 401k and IRA accounts for foreign and bond funds.

[charis]

That is what I am thinking of doing, all in VTI.  I don't have a huge amount since I opened my HSA in 2014.  Elements charges a nominal monthly fee ($36/year)  unless you keep 2500 in the HSA itself, which is separate from the investment account as you know.  I haven't decided whether to just keep 2500 in there at 1% or just pay the fee.  The advantage to keeping 2500 in the HSA is quick access to the cash if I actually needed it for medical costs and the 1% is a higher rate than my original HSA.

[GGNoob]

Do a 3 fund portfolio with:

VTI (Total US Stock)
VEU (All-World Ex-US...basically Total International stock)
BND (Total US Bond)

This assumes Chase uses TD Ameritrade for the investment option.

[Mississippi Mudstache]

Do a 3 fund portfolio with:

VTI (Total US Stock)
VEU (All-World Ex-US...basically Total International stock)
BND (Total US Bond)

This assumes Chase uses TD Ameritrade for the investment option.

Depending on the size of your portfolio and your domestic/international allocation, it might make more sense to just use VEU in your HSA. It's trading at less than half the price of VTI ($50 vs. $110) which means you will be able to invest a larger percentage of each contribution. I often find that I have $50-$100 left over that I can't invest each pay period since I use VTI. Whatever you do, I think it makes sense to carry a single fund in an HSA for the sake of simplicity, since it's generally going to be a small percentage of your total portfolio. YMMV

[charis]

Do a 3 fund portfolio with:

VTI (Total US Stock)
VEU (All-World Ex-US...basically Total International stock)
BND (Total US Bond)

This assumes Chase uses TD Ameritrade for the investment option.

I am rolling over a Chase HSA to Elements, which uses Ameritrade.

[InternationalStache]

Do a 3 fund portfolio with:

VTI (Total US Stock)
VEU (All-World Ex-US...basically Total International stock)
BND (Total US Bond)

This assumes Chase uses TD Ameritrade for the investment option.

Same, except I do the four fund version with VNQ for REITs.