I have about $5K in my HSA that I can invest.
Looked through their investment option and everything else except 3 vanguard funds below are at expense ratio of .4% or above. Some are as high as .8 and .9. Who would pay that?
Anyway, what do you think I should do with choices below? How to allocate?
Me: 40 y.o. net worth approx. $128K, $40k of it in cash, $6.5K in HSA not invested the moment, the rest is split between tIRA, Roth IRS, Rollover IRA, and my current 401K. All IRA and 401K are allocated between Total US Stock/Total International Stock/Total Bond 65/20/15, I expect about $65K added to my Rollover IRA sometime within next 9-12 months, plus my regular savings for the year. (maxing out 401k (no match), IRA, and HSA for 2016).
HSA investment choices with expense ratios:
.20% Vanguard Dividend Appreciation Index Investor VDAIX
.14% Vanguard LifeStrategy Moderate Growth Investor VSMGX
.13% Vanguard LIfeStrategy Conservative Growth Investor VSCGX