Ameritrade HSA

[Gin1984]

My HSA is at HSA bank, but we can transfer money, once we have $1000 in the HSA to td ameritrade to invest.  What should I invest in?  Assume I can invest in about $400/month.

[GGNoob]

Commission Free ETFs (make sure to enable them before you purchase any and you must hold them for 30 days before selling). Then purchase VTI (Total US Stock), VEU (basically Total International Stock), and BND (Total US Bond Market) at an allocation that makes sense to you.

iShares has some balanced ETFs (aggressive, moderate, or conservative allocation), but the expense ratios are around 0.37%, which is a lot higher than you could get by just purchasing the 3 Vanguard ETFs.

[Gin1984]

Commission Free ETFs (make sure to enable them before you purchase any and you must hold them for 30 days before selling). Then purchase VTI (Total US Stock), VEU (basically Total International Stock), and BND (Total US Bond Market) at an allocation that makes sense to you.

iShares has some balanced ETFs (aggressive, moderate, or conservative allocation), but the expense ratios are around 0.37%, which is a lot higher than you could get by just purchasing the 3 Vanguard ETFs.

How do you activate them? 

[GGNoob]

In your TD Ameritrade account, go to the Commission Free ETFs page (Research & Ideas > ETFs > Commission-Free ETFs) and enroll.

[Gin1984]

In your TD Ameritrade account, go to the Commission Free ETFs page (Research & Ideas > ETFs > Commission-Free ETFs) and enroll.

Thanks!