Print
Email

Email

Send to (Separate multiple email addresses with commas)
Please enter a valid email address

Your email address
Please enter a valid email address

Message (Optional)

Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: "

Email

Your email has been sent.
Share
Share
Mutual Funds and Mutual Fund Investing - Fidelity Investments

Clicking a link will open a new window.
Default text size A
Larger text size A
Largest text size A

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.

Open an HSA

Fidelity HSA^® Funds to Consider

They're professionally selected for HSA investing, all with waived investment minimums and no transaction fees. See the list of funds (PDF).

Single-fund options

Help take the guesswork out of investing based on your retirement age and risk tolerance with target date funds and target allocation funds.

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.

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.

Other investing considerations

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.

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.

Previous:
< How to spend

Up next:
FAQs >

Already have a Fidelity HSA?

Questions?
866-402-7610

Find an Investor Center

Looking for your Fidelity employer-provided HSA?
Log into NetBenefits^®Log In Required.

1. Fidelity Benefits Consulting estimate; 2019. Estimate based on a hypothetical couple retiring in 2019, 65 years old, with life expectancies that align with Society of Actuaries' RP-2014 Healthy Annuitant rates with Mortality Improvements Scale MP-2016. Actual expenses may be more or less depending on actual health status, area of residence, and longevity. Estimate is net of taxes. The Fidelity Retiree Health Care Costs Estimate assumes individuals do not have employer-provided retiree health care coverage, but do qualify for the federal government’s insurance program, Original Medicare. The calculation takes into account cost-sharing provisions (such as deductibles and coinsurance) associated with Medicare Part A and Part B (inpatient and outpatient medical insurance). It also considers Medicare Part D (prescription drug coverage) premiums and out-of-pocket costs, as well as certain services excluded by Original Medicare. The estimate does not include other health-related expenses, such as over-the-counter medications, most dental services and long-term care.

Virtual Assistant is Fidelity's automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results and to help provide analytics to improve the search results. For account servicing requests, you may send our customer service team a secure, encrypted message once you have logged in to our website. Responses provided by the Virtual Assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided.

The information provided herein is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, you are strongly encouraged to consult your tax advisor before opening an HSA. You are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS website at IRS.gov. You can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses, online, or you can call the IRS to request a copy of each at 800.829.3676.

Investing involves risk, including risk of loss.

860492.6.0

Investing choices

Fidelity offers the following choices for investing your HSA money:

Investing considerations

Cash for the near-term
Before investing, consider whether you need to set aside money in your HSA to cover your family's expected annual medical expenses.

Your investing style
It's important to know your investing goals and needs—and how they might change over time—to be confident in your HSA investing choices.

Risk tolerance
Each investment vehicle carries a unique level of risk. Consider higher-risk options for long-term investments and lower-risk options for short-term investments.

Time horizon
Knowing your time horizon helps you balance investing risk with proper growth to outpace inflation while shielding you from market volatility.

Invest for the future

Fidelity gives you broad investing options

What might you consider when investing your HSA?

How can investing impact your HSA?

Ready to get started?

Looking for more HSA resources?

Investing choices

Investing considerations

Mutual Funds and Mutual Fund Investing - Fidelity Investments

Invest for the future

Fidelity gives you broad investing options

What might you consider when investing your HSA?

How can investing impact your HSA?

Ready to get started?

Looking for more HSA resources?

Stay Connected

Investing choices

Investing considerations

Important Information