HSA custodians and mutual fund fees
IIRC correctly, just a few months ago, HSA Admininstrators would waive their quarterly fee on mutual funds if you had > $20K in that fund. However, I can't find the fee list I printed out then. Did they change the fee structure, or am I just recalling this wrong?
The current fee info provided on the website says the fee is not waived and in fact it is not capped for Vanguard funds ever:
Mutual Fund Specific Fee
Depending on the product selected, your custodial fee may be 0.0008 per quarter times account balance ($0.80 cents per $1,000 every three months), capped at $20,000 account balance per fund. Or it may be 6.25* basis points per quarter (i.e, $0.625 cents per $1,000 every three months) with no cap. Mutual fund account maintenance fees will be deducted from the account balance each quarter. *Vanguard funds only
less stuff, more time
(48, married; DH 52. I am fully retired as of 2015 (well ok, I still work part-time but only because I love the job and have complete freedom to call off if I want to travel with hubby for work), DH will fully retire 2018 when he turns 55 to access 401K penalty-free)