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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 2018, the average couple will spend $280,000* 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.

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* Estimate based on a hypothetical couple retiring in 2018, 65-years-old, with life expectancies that align with Society of Actuaries' RP-2014 Healthy Annuitant rates with Mortality Improvements Scale MP-2016. Actual assets needed may be more or less depending on actual health status, area of residence, and longevity. Estimate is net of taxes: cost basis is assumed to equal market value. Estimate is calculated as the assets required today in a taxable account with an effective tax in retirement of 5%, an asset allocation of 30% equity, 50% bonds, and 20% cash, such that there is a 90% chance of being able to pay for healthcare expenses through life expectancy. 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.

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.

860492.3.0

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