easysurfer
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jun 11, 2008
- Messages
- 13,152
Are there alternatives which offer VG Admiral funds and has low fees?
That's what keeps me sticking around.
Are there alternatives which offer VG Admiral funds and has low fees?
I've been able to more or less reconcile my accounts by viewing the transaction history that's under the profile tab.
But they haven't sent out any more statements since the one that covered August (I think). Where is our Q4 2015 "statement"?
And what about the IRS contribution form for the HSA for 2015? We already got ours from HSA Bank, but not from the new custodian yet. Their web site says the forms will be available in May 2015 - but that can't be right - that should only be for people who make last minute contributions in 2016 for 2015.
After they take that $45 admin fee off the top you would be hard pressed to find an investment these days that is going to return anything better than what you can get at a friendly credit union.
I guess that depends on how much you have in your HSA and whether you expect equities to beat a 2% hurdle rate of return. The $45 fee annual fee constitutes less than 5bp of our HSA assets.
Meanwhile, at the age of 44 I might have another 40 years of tax-free growth in this account that I presume I'll be able to withdraw 100% tax free. I'm gunning for the fences with this money.
I guess that depends on how much you have in your HSA and whether you expect equities to beat a 2% hurdle rate of return. The $45 fee annual fee constitutes less than 5bp of our HSA assets.
Meanwhile, at the age of 44 I might have another 40 years of tax-free growth in this account that I presume I'll be able to withdraw 100% tax free. I'm gunning for the fences with this money.
That's just not right. They are supposed to send forms out in January, then follow up with an updated one for the late contributors.I got the same info from a customer service rep via email.
She said the new administrator is holding off on sending the forms
because they wait for those potential late contributions (2016 for 2015 tax year).
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Yes you can - you can schedule a one time event, or a recurring event like if you want to make automatic monthly contributions.Their website is so not user friendly!
I sat on the phone 15 minutes Friday then gave up, and just now spent over 30 minutes on hold - no answer...gave up. How can they stay in business with this kind of customer service?
I finally figured out how to make all of my future contributions go to Wellington (which fortunately I had opened prior to it being closed). However I don't see any way to make an online contribution directly from my bank. Is there a way to do this?
I think I am just going to fill out the contribution form I downloaded and snail mail it in.
Correction - that "transaction history" is under the "investing" tab.I've been able to more or less reconcile my accounts by viewing the transaction history that's under the profile tab.
But they haven't sent out any more statements since the one that covered August (I think). Where is our Q4 2015 "statement"?
And what about the IRS contribution form for the HSA for 2015? We already got ours from HSA Bank, but not from the new custodian yet. Their web site says the forms will be available in May 2015 - but that can't be right - that should only be for people who make last minute contributions in 2016 for 2015.
Yes you can - you can schedule a one time event, or a recurring event like if you want to make automatic monthly contributions.
Once you log in, click on "My Profile". Then you will see several options. You can add banking information under "Banking Information". Then under "Scheduled Events" you can "Add Contribution Event" - and you can select whether to make it recurring or a one time event. The rest should be self-explanatory - just make sure you chose the right contribution year.
Otherwise - they are going to force everyone to delay filing! So I can't file my taxes by the April 15 deadline and am forced to file an extension just because they don't send me the form on time. Even though I already know I'm not making any more contributions and we have contributed the max for 2015?
Why delay filing? If you know what you contributed (the max) why not just file your returns with the right information? The IRS will get the documents they need eventually.
HSA sent the wrong info to the IRS once for me. I got a notice from the IRS asking for back taxes . . . two years later. I forwarded the IRS the corrected form and all was well. And that's with HSA sending the wrong info, not just late info.
I'm planning to just file my taxes whether I hear from HSA or not. Damn the torpedoes. Full steam ahead!
Oh geez I see that now! Thank you so much! They need to pay you for doing their customer service work for them!
That is so NOT intuitive. They need a "make a contribution" link directly visible somewhere on the main page. It should not be nested underneath your profile information, IMO.
Thanks again!!!!
I didn't know if I could file without having received the form.
Yes - the website is horrible, as are their "statements".
Everything about them is awful, except compared to the competition.