Fidelity offers the following choices for investing your HSA money:
Fidelity gives you broad investing options
Fidelity HSA® Funds to Consider
Professionally selected for HSA investing, all of the Funds to Consider feature waived investment minimums and no transaction fees. See the list of funds.
Investment help
Want some help choosing investments for your HSA money? Answer a few questionsLog In Required to get investment help, or consider Fidelity's Health Savings funds, designed for HSA investing.
Do it yourself
If you're interested in handling your investments yourself, we offer investing choices you can use to design and manage your own portfolio.
What might you consider when investing your HSA?
Health care costs in retirement
As of 2020, the average couple will spend $295,0001 on retirement medical costs. Investing your HSA can help.
Unexpected medical expenses
Sell your HSA investments anytime, and get the money within a few business days to pay medical expenses.
Are there investing options designed specifically to help save for health care?
Yes, Fidelity is pleased to introduce two new mutual funds created for investors who want to save for future medical expenses.
Because the time horizon of health care expenses is uncertain, the funds
- Follow an asset allocation strategy designed to balance growth and risk through different market environments
- Help take the guesswork out of managing an investment portfolio to save for health care expenses.
Fidelity Health Savings Fund (FHLSX) NEW
Invests in a mix of active and index funds
Fidelity Health Savings Index Fund (FHSNX) NEW
Invests in index funds only
How can investing impact your HSA?
Investing $3,000 of unused HSA money per year for 20 years, for example, can help take the sting out of health care costs in retirement.
Looking for more HSA resources?
How to plan for rising health care costs
You may need to spend as much as $295,000 on health care in retirement. An HSA can help you prepare.