Invest for the future

You can invest some or all of your HSA for potential tax-free growth and to help take the sting out of health care costs in retirement.


Fidelity gives you broad investing options


What might you consider when investing your HSA?

Health care costs in retirement


As of 2019, the average couple will spend $285,0001 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.


HSA investment chart showing the impact investing has on your HSA

HSA investment chart showing the impact investing has on your HSA


This hypothetical example is illustrative and doesn’t represent the performance of any security in a Fidelity HSA. Assumes the investor receives 7% investment growth. Actual net returns will be based on the investor’s investment choices within the Fidelity HSA. This example does not account for the effect of interest, dividends, and taxes. Systematic investing does not ensure a profit and does not protect against loss in a declining market. Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. The assumed rate of return used in this example is not guaranteed. Investments that have potential for a 7% annual rate of return also come with risk of loss.

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Looking for more HSA resources?

How to plan for rising health care costs
You may need to spend as much as $285,000 on health care in retirement. An HSA can help you prepare.

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