Maximize your tax-free earning potential

The average American couple will spend over $220,0001 in out-of-pocket medical expenses post-retirement. Your HSA can supplement your retirement goals and help you bridge the Medicare gap. By taking advantage of the investment options, you can maximize your tax-free2 earning potential. Use the investment funds to grow your balance and pay for health care costs now and in the future.

Options to fit your needs

HealthEquity provides investment options to suit your individual comfort level and financial goals:

No-risk, FDIC-insured cash account

HealthEquity's standard, low-interest, FDIC-insured cash account. This is the default option when opening an HSA.

Low-risk Yield Plus3

Allows members to increase their earning potential with little to no risk. Interest rates vary based on your HSA balance, but are higher than our FDIC-insured interest rates. Funds invested in Yield Plus are not FDIC-insured, but remain liquid in your HSA for spending or investing as desired. You can opt in and out of Yield Plus from the 'My Account' tab on the HealthEquity member portal by selecting 'Interest Rates' from the 'HSA' menu.

Varying risk mutual funds

HealthEquity offers a carefully selected lineup of investments that allow our members to choose the strategy that best fits their needs. Manage your investment portfolio personally or enroll in Advisor™ for personalized investing advice.

Mutual fund offerings

View our fund offerings for Investor Choice

HealthEquity also offers the Investor Choice fund lineup for those who want access to lower cost, active and passive index funds with a monthly administration fee.1 Investor Choice is an optional lineup of additional funds which provides the ultimate flexibility for members to reflect their investment philosophies and strategies. Other than the monthly investment administration fee, the HSA administration fee and the respective mutual fund expense ratio there are no trading costs, commissions or fund minimums.

Fund Name/Symbol Category
Aggregate bonds
Metropolitan West Total Return Bond I (MWTIX) Intermediate Bond
Vanguard Total Bond Market Idx InstlPls (VBMPX) Intermediate Bond
COMMODITIES
PIMCO Commodity Real Ret Strat Instl (PCRIX) Commodities Broad Basket
Van Eck CM Commodity Index I (COMIX) Commodities Broad Basket
EMERGING MARKETS
American Funds New World R6 (RNWGX) Diversified Emerging Mkts
Vanguard Emerging Mkts Stock Idx I (VEMIX) Diversified Emerging Mkts
FOREIGN BONDS
PIMCO Foreign Bond (USD-Hedged) I (PFORX) World Bond
PIMCO Global Bond (USD-Hedged) I (PGBIX) World Bond
INTERNATIONAL STOCKS
PIMCO International StocksPLUS AR Stra I (PISIX) Foreign Large Blend
Vanguard Total Intl Stock Idx InstlPls (VTPSX) Foreign Large Blend
LARGE CAP STOCK
T. Rowe Price Instl Large Cap Core Gr (TPLGX) Large Growth
American Beacon Lg Cap Value Inst (AADEX) Large Value
Vanguard Institutional Index Instl Pl (VIIIX) Large Blend
Vanguard Growth Index I (VIGIX) Large Growth
Fund Name/Symbol Category
MID-CAP STOCKS
DFA US Vector Equity I (DFVEX) Mid Cap Value
Vanguard Extended Market Idx InstlPlus (VEMPX) Mid Cap Blend
NATURAL RESOURCES
Fidelity Select Materials (FSDPX) Natural Resources
Vanguard Materials Index Adm (VMIAX) Natural Resources
REAL ESTATE
T. Rowe Price Real Estate (TRREX) Real Estate
Vanguard REIT Index I (VGSNX) Real Estate
Small cap stocks
DFA US Small Cap I (DFSTX) Small Blend
Vanguard Small Cap Index Adm (VSMAX) Small Blend
TIPS
Goldman Sachs Infl Protected Secs Instl (GSIPX) Inflation-Protected Bond
Vanguard Inflation-Protected Secs I (VIPIX) Inflation-Protected Bond
OTHER
American Funds American Balanced R6 (RLBGX) Moderate Allocation
Vanguard Wellesley Income Adm (VWIAX) Conservative Allocation

1Source: Fidelity Benefits Consulting

2HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state’s specific rules.

3Yield Plus is a non-FDIC insured group funded annuity agreement. Current interest rates, terms and conditions are available on the member portal.
HealthEquity Advisors, LLC is a separate, wholly-owned subsidiary of HealthEquity, Inc. Investments available to HSA holders are subject to investment risk, including the possible loss of the principal invested and are not FDIC insured or guaranteed by HealthEquity Advisors or HealthEquity. HealthEquity doesn’t provide any type of financial or investment advice. HealthEquity Advisor™ a subsidiary of HealthEquity does provide web-based investmentadvice (minimum thresholds and additional fees apply). HSA holders making investments should review the applicable fund’s prospectus. Investment options and thresholds may vary and are subject to change. Consult your advisor or the IRS with any questions regarding investments or on filing your tax return. For more information about HealthEquity Advisors, please visit www.adviserinfo.sec.gov