We started our HSA account this year. We are actually planning on using it as the equivalent of an IRA, for tax-deferred investment. You can take money out at age 65 as if it was a retirement account. So we will not take money out for medical expenses, but want to maximize the tax-deferment till retirement age.
We just funded it for 2007 and 2008. Now we have enough in there, 10k, so they will let us choose investments. Here are the choices:
John Hancock Classic Value (Large Cap Value) PZFVX
Vanguard Wellington
Neuberger Berman Fasciano (Small Cap Growth) NBFSX
Vanguard Global Equity (International) VHGEX
Vanguard 500 Index
John Hancock High Yield A (High Yield Bond) JHHBX
PIMCO Real Return (Infl ation Protected Bond) PRTNX
They say any loads are waived. We are interested in maybe getting something tax-inefficient that we would not want to hold in an after-tax account. What would be a good choice?
PS, most of our present investments are in after-tax accounts, so this account gives us a chance for better asset allocation. It's less than 1% of our holdings right now, but we will add the max to it every year.
We just funded it for 2007 and 2008. Now we have enough in there, 10k, so they will let us choose investments. Here are the choices:
John Hancock Classic Value (Large Cap Value) PZFVX
Vanguard Wellington
Neuberger Berman Fasciano (Small Cap Growth) NBFSX
Vanguard Global Equity (International) VHGEX
Vanguard 500 Index
John Hancock High Yield A (High Yield Bond) JHHBX
PIMCO Real Return (Infl ation Protected Bond) PRTNX
They say any loads are waived. We are interested in maybe getting something tax-inefficient that we would not want to hold in an after-tax account. What would be a good choice?
PS, most of our present investments are in after-tax accounts, so this account gives us a chance for better asset allocation. It's less than 1% of our holdings right now, but we will add the max to it every year.