Author Topic: HSA Investment Options - Which To Choose?  (Read 2628 times)

mr_orange

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HSA Investment Options - Which To Choose?
« on: November 05, 2015, 05:39:50 PM »
I am setting up a new HSA for 2016 and my investing options are below.  Any thoughts on what to pick?  I want something with upside.  I don't plan to touch the money in the HSA for a long time. 

Large Cap - U.S. Equity
Davis New York Venture Class A - NYVTX
Victory Diversified Stock Class A - SRVEX
JP Morgan Large Cap Growth Select Shares - SEEGX
Vanguard Dividend Appreciation Index Investor - VDAIX
Schwab Fundamental U.S. Large Company Index - SFLNX

Small and Mid Cap - U.S. Equity
Artisan Small Cap Fund - ARTSX
Oppenheimer Main Street Sm&Mid Cap - OPMSX
Neuberger Berman Mid Cap Intrinsic Val Inv - NBRVX
American Century Mid Cap Value Investor Class - ACMVX
Parnassus Small-Cap Fund - PARSX

Non-U.S. Equity
Dodge & Cox International Stock Fund - DODFX
Thornburg International Value Class I - TGVIX

Fixed Income
Harbor Bond Fund - HABDX
AMG Intermediate Duration Government Fund - MGIDX
Vanguard Short Term Investment Grade - VFSTX
Dodge & Cox Income Fund - DODIX
Metropolitan West Total Return Bond Class M - MWTRX
Pimco Low Duration Class D - PLDDX

Asset Allocation
Vanguard LifeStrategy Conservative Growth Investor - VSCGX
Vanguard LifeStrategy Moderate Growth Investor - VSMGX
American 2020 Target Date Class R6 - RRCTX
American 2025 Target Date Class R6 - RFDTX
American 2030 Target Date Class R6 - RFETX
American 2035 Target Date Class R6 - RFFTX
American 2040 Target Date Class R6 - RFGTX
American 2045 Target Date Class R6 - RFHTX
American 2050 Target Date Class R6 - RFITX
American 2055 Target Date Class R6 - RFKTX
« Last Edit: November 05, 2015, 05:44:45 PM by mr_orange »

Radagast

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Re: HSA Investment Options - Which To Choose?
« Reply #1 on: November 06, 2015, 12:34:38 AM »
Those are some weird choices, in the long run you might want to port this somewhere else. The only three that I feel might be OK without doing research are
Vanguard Dividend Appreciation Index Investor - VDAIX
Schwab Fundamental U.S. Large Company Index - SFLNX
Vanguard LifeStrategy Moderate Growth Investor - VSMGX

thedayisbrave

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Re: HSA Investment Options - Which To Choose?
« Reply #2 on: November 06, 2015, 05:19:56 AM »
What are the rest of your investments?

Kind of tough to advise you on anything without knowing your whole financial picture.

mr_orange

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Re: HSA Investment Options - Which To Choose?
« Reply #3 on: November 06, 2015, 05:56:41 AM »
What are the rest of your investments?

Kind of tough to advise you on anything without knowing your whole financial picture.

We have about 40-50% of our assets in Assetbuilder's Model Portfolio 14, which consists of Dimensional Funds.  You can see the allocations on the site here:

https://assetbuilder.com/our-model-portfolios

We keep about 10% in cash to satisfy bank covenants and the rest (40-50%) in our small businesses that mainly consist of real estate projects (development, portfolio rentals, other projects, etc.). 

We're seeking yield and low costs through a passive fund of some sort.  The Vanguard funds are probably worth investigating.  I'll check out the Schwab fund suggested above as well. 

thedayisbrave

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Re: HSA Investment Options - Which To Choose?
« Reply #4 on: November 07, 2015, 06:49:28 AM »
I'm partial to Vanguard (like most here).  It seems to me VDAIX would fit your needs best (yield + 0.20% ER), out of your funds available.

mr_orange

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Re: HSA Investment Options - Which To Choose?
« Reply #5 on: November 07, 2015, 06:55:37 AM »
VDAIX returns:

http://performance.morningstar.com/fund/performance-return.action?p=investor_returns_page&t=VDAIX&region=usa&culture=en-US

I'm partial to Vanguard too, but Schwab funds are generally good options too.  I have most of my retirement plans in Dimensional Funds so it would be easy to keep things at Schwab so it is in the same place.  We do have accounts for 529 plans with Vanguard though so it wouldn't be a big deal having things there.