starry night
Recycles dryer sheets
- Joined
- Mar 3, 2006
- Messages
- 158
Today is DH's last day on the job, making us both RE's now at 52. Most all our planning objectives are done -- HDHP insurance is in place, income stream direct deposit is coming, etc. But just a few more activities to finish up -- and I'd like your help.....
1) Haven't found an HSA yet. Been shopping online and at institutions I use (for example Vanguard does not offer one, but say they just might in the future -- likewise my local bank Compass doesn't but should). Don't like the low interest rates and highish maint. fees I'm seeing. Interest rate improves for acct. balances >$10K, but it will take us into the third year before eligible contributions will allow us to accumulate that.
Can anyone recommend a good source for HSA??
2) We will have one last 401K to rollover, and it only makes sense for us to bring it into our Vanguard holdings. But I'm concerned that so much of our total nest egg is at Vanguard as it is. I have read some of your statements that you are not too worried having it "all" or "most" at one firm. In our case, Vanguard would hold a little more than 1/2 of our investable assets. Should I be concerned with this, and perhaps split this with another firm (Fidelity, for example) or just continue my faith and loyalty to VG and enjoy our Flagship status?? I've been very happy with their service all these years.
Any thoughts!!
1) Haven't found an HSA yet. Been shopping online and at institutions I use (for example Vanguard does not offer one, but say they just might in the future -- likewise my local bank Compass doesn't but should). Don't like the low interest rates and highish maint. fees I'm seeing. Interest rate improves for acct. balances >$10K, but it will take us into the third year before eligible contributions will allow us to accumulate that.
Can anyone recommend a good source for HSA??
2) We will have one last 401K to rollover, and it only makes sense for us to bring it into our Vanguard holdings. But I'm concerned that so much of our total nest egg is at Vanguard as it is. I have read some of your statements that you are not too worried having it "all" or "most" at one firm. In our case, Vanguard would hold a little more than 1/2 of our investable assets. Should I be concerned with this, and perhaps split this with another firm (Fidelity, for example) or just continue my faith and loyalty to VG and enjoy our Flagship status?? I've been very happy with their service all these years.
Any thoughts!!