WEBVTT

00:00:00.206 --> 00:00:04.045
[upbeat melody]

00:00:04.070 --> 00:00:07.250
Your Optum bank health
savings account, or HSA,

00:00:07.250 --> 00:00:09.750
can be a smart long term
investment vehicle

00:00:09.750 --> 00:00:12.380
that can play an important role
in your overall wealth

00:00:12.380 --> 00:00:13.980
and retirement strategy.

00:00:14.560 --> 00:00:18.690
Investing your HSA dollars
may potentially grow your savings

00:00:18.690 --> 00:00:20.620
and can be
an additional way to save

00:00:20.620 --> 00:00:23.710
for long term health care needs
and your financial goals.

00:00:24.550 --> 00:00:28.140
Contributions to your HSA
are not only tax advantaged,

00:00:28.140 --> 00:00:31.300
but any investment earnings
such as interest or dividends

00:00:31.300 --> 00:00:32.900
are income tax free too.

00:00:33.720 --> 00:00:36.930
Once your HSA reaches
a certain designated balance,

00:00:36.930 --> 00:00:39.030
also known as
the investment threshold,

00:00:39.580 --> 00:00:42.700
you may choose to invest
a portion of your HSA dollars.

00:00:43.490 --> 00:00:46.780
Optum bank makes investing
easy and accessible

00:00:46.780 --> 00:00:49.410
by offering you
two investment opportunities.

00:00:50.460 --> 00:00:53.740
Your first option is investing
your HSA dollars

00:00:53.740 --> 00:00:56.750
in the self directed mutual funds
offered by Optum Bank.

00:00:57.500 --> 00:01:01.770
You can choose from a wide variety
of over 30 mutual funds.

00:01:01.770 --> 00:01:04.300
They average 4-star 
Morningstar rating

00:01:04.300 --> 00:01:07.920
and represent some of the lowest
expense ratios in the industry,

00:01:07.920 --> 00:01:09.520
including life stage funds.

00:01:10.670 --> 00:01:13.440
Your second option
is investing with Betterment.

00:01:14.210 --> 00:01:17.390
Betterment helps take the guesswork
out of investing your HSA.

00:01:18.200 --> 00:01:20.200
Based on your
HSA investment goals,

00:01:20.710 --> 00:01:24.399
Betterment will recommend
a personalized portfolio of low cost

00:01:24.424 --> 00:01:27.060
exchange traded
funds or ETFs

00:01:27.060 --> 00:01:30.910
and keep your HSA investment
on track through auto deposits

00:01:30.910 --> 00:01:32.510
and automated rebalancing.

00:01:33.370 --> 00:01:36.850
Ready to get started?
Simply decide how much you would like

00:01:36.850 --> 00:01:39.250
to transfer
into an investment account.

00:01:39.250 --> 00:01:41.380
It is important to note
that the minimum amount

00:01:41.380 --> 00:01:43.970
that can be transferred is $100

00:01:43.970 --> 00:01:46.250
and the transfer cannot bring
your HSA balance

00:01:46.250 --> 00:01:48.149
below the investment
threshold amount.

00:01:49.070 --> 00:01:51.220
Then, sign into your account

00:01:51.220 --> 00:01:53.870
and select the investment option
that is best for you.

00:01:54.480 --> 00:01:57.020
If you choose self-directed 
mutual funds,

00:01:57.020 --> 00:01:59.820
the asset allocation calculator
can help you decide

00:01:59.820 --> 00:02:01.420
which funds are right for you.

00:02:02.020 --> 00:02:05.180
If you choose Betterment,
you will answer a few questions

00:02:05.180 --> 00:02:08.130
and Betterment will create
a customized portfolio

00:02:08.130 --> 00:02:11.470
to suit your needs and invest
your HSA dollars for you.

00:02:12.480 --> 00:02:17.060
And if an unexpected medical
expense comes up, it's no problem.

00:02:17.060 --> 00:02:19.450
You can easily transfer
your investment funds

00:02:19.450 --> 00:02:23.110
back into your HSA to pay for them.
It's that easy.

00:02:23.740 --> 00:02:27.310
So give your future a boost
and start investing today.

00:02:28.190 --> 00:02:30.430
Visit OPTUMBANK.COM
to learn more.

00:02:30.579 --> 00:02:36.936
[melody continues and fades]