Kcinnick
Dryer sheet wannabe
My investing experience is limited to picking no load Index funds with the lowest expense ratio and I need some help narrowing my HSA fund choices. None of them were nice enough to say "I mirror the S&P 500" or any other index.
My plans are long term investments (I am 27) and I like the HSA as a vehicle since not only do I not pay Federal Income Taxes, I don't pay FICA taxes on the funds invested.
This account is first and foremost for immediate health care needs, and am going to keep the deductible X 2 in the .0000000083% interest bearing portion of the account. Rate may be a little higher, but it doesn't seem right when my checking account pays me $50 a month in interest and my HSA pays me pennies a month.
The funds available are:
Dreyfus Cash Management Plus - Investor Shares Preservation of Capital DCVXX
Calvert Income A CFICX
Calvert Short Duration Income A CSDAX
Templeton Global Bond A TPINX
Goldman Sachs Short Duration Govt A GSSDX
Dreyfus Appreciation DGAGX
Dreyfus Premier Strategic Value A DAGVX
Mutual Discovery A TEDIX
Ivy Asset Strategy A WASAX
MFS Research International A MRSAX
Fidelity Advisor Emerging Markets A FAMKX
Fidelity Advisor High Income Advantage T FAHYX
Fidelity Advisor Small Cap A FSCDX
Gabelli Asset Aaa GABAX
Keeley Small Cap Value A KSCVX
Marsico International Opportunities MIOFX
MFS Aggressive Growth Allocation A MAAGX
American Century Heritage A ATHAX
American Century Strat Alloc A ACVAX
T. Rowe Price Real Estate Advisor PAREX
I do have the opportunity to change to another HSA custodian, but if there is something good here then I don't desire to. Other custodian available is US Bank.
Thanks,
Nick
My plans are long term investments (I am 27) and I like the HSA as a vehicle since not only do I not pay Federal Income Taxes, I don't pay FICA taxes on the funds invested.
This account is first and foremost for immediate health care needs, and am going to keep the deductible X 2 in the .0000000083% interest bearing portion of the account. Rate may be a little higher, but it doesn't seem right when my checking account pays me $50 a month in interest and my HSA pays me pennies a month.
The funds available are:
Dreyfus Cash Management Plus - Investor Shares Preservation of Capital DCVXX
Calvert Income A CFICX
Calvert Short Duration Income A CSDAX
Templeton Global Bond A TPINX
Goldman Sachs Short Duration Govt A GSSDX
Dreyfus Appreciation DGAGX
Dreyfus Premier Strategic Value A DAGVX
Mutual Discovery A TEDIX
Ivy Asset Strategy A WASAX
MFS Research International A MRSAX
Fidelity Advisor Emerging Markets A FAMKX
Fidelity Advisor High Income Advantage T FAHYX
Fidelity Advisor Small Cap A FSCDX
Gabelli Asset Aaa GABAX
Keeley Small Cap Value A KSCVX
Marsico International Opportunities MIOFX
MFS Aggressive Growth Allocation A MAAGX
American Century Heritage A ATHAX
American Century Strat Alloc A ACVAX
T. Rowe Price Real Estate Advisor PAREX
I do have the opportunity to change to another HSA custodian, but if there is something good here then I don't desire to. Other custodian available is US Bank.
Thanks,
Nick