Investments

The HSAToday® Investment Program offers qualified account holders a diverse range of investment alternatives to choose from, along with four professionally managed model portfolios that support varied investment objectives and risk tolerance. This investment program is intended for long-term investments only and not to be used for short-term cash availability.

Click here to view a Comprehensive Investment Guide.

Click here to view a list of available funds.

What model portfolios are offered?

The model portfolios, listed from lowest to highest risk levels, include:

Model Portfolio Pie ChartsConservative growth portfolio seeks long-term growth by investing 35% to 55% of its portfolio in equity investments, with the remaining portion in fixed income holdings. Investors choosing this model should understand that accounts will fluctuate in value and could lose money. Investors should expect to leave this money invested for 4 years or more.

Balanced growth portfolio seeks long-term growth by investing 50% to 70% of its portfolio in equity investments, with the remaining portion in fixed income holdings. Investors choosing this model should be willing to accept some volatility in their annual returns. Investors should expect to leave this money invested for 6 to 8 years or more.

Moderate growth portfolio seeks substantial long-term growth by investing 65% to 85% of its portfolio in equity investments, with the remaining portion in fixed income holdings. Investors choosing this model should be willing to accept significant volatility in annual returns. Investors should expect to leave this money invested for 8 to 10 years or more.

Aggressive growth portfolio seeks to maximize long-term growth by investing 80% to 100% of its portfolio in equity investments, with any remaining portion in fixed income holdings. Investors choosing this model should be willing to accept a large amount of volatility in annual returns. Investors should expect to leave this money invested for 10 years or more.

In addition to the aforementioned model portfolios, account holders can also create their own customized portfolio from the approved fund list.

What kind of investor are you?

No two investors are alike, so we provide account holders with an investment strategy questionnaire to help them understand their objectives and thoughts about investment risks so that they can select the portfolio that is right for them. This questionnaire is available in our Comprehensive Investment Guide (and online if your PSP makes this optional program available to you).

What Are the Benefits of Investing Your HSA Funds?

Many Americans will depend on personal savings and investments during retirement. Utilizing your Health Savings Account as a long-term investment vehicle is an excellent way to add to your retirement strategy.

Whether you are a current HSA account holder or you are just now enrolling, it’s a good idea to consider investing some of your account funds. Here are just a few reasons why:

  • Tax-Free Investments

    • All contributions and earnings in your HSA are considered tax-free by the IRS and will not be taxed unless you withdraw them for non-medical reasons.

  • Portability

    • There is no use-it-or-lose-it rule associated with HSAs. HSAs are owned by the account holder and roll over year after year. Even if you change jobs, the money in the account is yours to keep.

  • Flexibility

    • You can change the amount you want to invest and the way the funds are invested. And you can always access the money in your account if the need arises.

  • Multiple Investment Options

    • You can pick from one of four investment models or create your very own custom investment portfolio.

Ask Your Plan Service Provider About Your Investment Options!