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Investing with an HSA

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Investing with an HSA

Your OptumBank health savings account, or HSA, can be a smart long-term investment vehicle that can play an important role in your overall wealth and retirement strategy.

Investing your HSA dollars may potentially grow your savings and can be an additional way to save for long- term health care needs and your financial goals.

Contributions to your HSA are not only tax advantage draw but any investment earnings such as interest or dividends are income tax free, too.

Once your HSA reaches a certain designated balance, also known as the investment threshold, you may choose to invest a portion of your HSA dollars.

OptumBank makes investing easy and accessible by offering you two investment opportunities.

Your first option is investing your HSA dollars in the self-directed mutual funds offered by OptumBank.

You can choose from a wide variety of over 30 mutual funds. They average four-star Morningstar rating and represent some of the lowest expense ratios in the industry including life stage funds.

Your second option is investing with Betterment.

Betterment helps take the guesswork out of investing your HSA.

Based on your HSA investment goals betterment will recommend a personalized portfolio of low-cost exchange traded funds or ETF's and keep your HSA investment on track through auto deposits and automated rebalancing.

Ready to get started? Simply decide how much you would like to transfer into an investment account.

It is important to note that the minimum amount that can be transferred is $100 and the transfer cannot bring your HSA balance below the investment threshold amount.

Then sign into your account and select the investment option that is best for you.

If you choose self-directed mutual funds, the asset allocation calculator can help you decide which funds are right for you.

If you choose Betterment, you will answer a few questions and betterment will create a customized portfolio to suit your needs and invest your HSA dollars for you.

If an unexpected medical expense comes up it's no problem. You can easily transfer your investment funds back into your HSA to pay for them. It's that easy.

So, give your future a boost and start investing today.

Visitoptumbank.com to learn more.



Discover how the investing features work for a health savings account (HSA).