Dedicated health savings funds

To help you be better prepared for future medical expenses you have a choice of funds to invest your health savings account (HSA), including 2 new funds dedicated to HSA investing.

Investing with your HSA

HSAs not only offer tax benefits when you make your contributions, they also have the potential to grow tax-free when invested, helping you build savings for future health care expenses.

2 dedicated HSA funds

Fidelity understands that saving for medical expenses is different than other savings goals. It's hard to predict whether you'll need the money soon or in retirement. So, our investment team has created 2 health savings funds specifically for HSA investing.

Makes investing easier

Helps take the guesswork out of choosing and managing your savings by providing you with a diversified portfolio to save for health care expenses.

Balances growth while seeking to minimize risk

Seeks to strike the right balance to address the uncertain time horizon of future medical expenses to help you save through different market environments.

Makes savings work harder

Offers greater growth potential than cash with a blended fund or an all-index fund created to provide choice, innovation, and value to help you pay for future health care costs.

Fidelity® Health Savings Fund (FHLKX)

Invests in a mix of active and index funds.

Fidelity® Health Savings Index Fund NEW (FHSNX)

Invests in index funds only

View all Fidelity HSA investment options
Your HSA investing options include more than 10,000 mutual funds, individual stocks, bonds, Treasuries, CDs, and exchange-traded funds (ETFs).

FAQ_icon   

Did you know?

Over the past twenty years, health care inflation has risen almost twice as fast as core inflation.*

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.

To find out more about HSA investing, return to your NetBenefits® HSA investingLog In Required page.

Questions? Call a Fidelity HSA service specialist at 866-402-7621.