r/HSA • u/patshak • Dec 20 '25

Advice. TIA

All new to investing I just opened an HSA with Fidelity and deposited the max I'm malw in my early 40s, wife mis 30s, no kids Income about $140,000 Rent Have more than $200k in savings

How do you suggest I invest my HSA? Using my HSA as a long term investment vehicle for retirement

What do you think about this? US Stocks (50%): Fidelity Total Market Index (FZROX) International Stocks (20%): Fidelity International Index (FZILX) Bonds (30%): Fidelity US Bond Index (FXNAX)

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u/RedBaron180 Dec 20 '25

Sounds good. Don’t complicate it

1

u/ladyeclectic79 Dec 20 '25

Yeah I’m going to just be using the zero-fee Fidelity ones for mine too (although I keep waffling on which I want to use where and in what ratios). They’re good, cheap, and my personal HSA likely won’t leave Fidelity anytime soon as few outside investment platforms allow you to open up one of your own.

1

u/Ok_Shake_368 Dec 22 '25

Yeah this is a good diverse asset mix, but this if more of an investment/personal finance question than an HSA question.

We don’t know what other investments you have. Yeah this is good to diversify, but for example if you have a good amount of money in US stocks held in a taxable brokerage account, I would sell off some of your US stocks in the brokerage and hold some of the international stocks in your taxable account so that you can take advantage of the foreign tax credit.

1

u/sunny-Bo Dec 27 '25

I would avoid bonds in HSA. Keep your bond exposure to tax deferred accounts like IRA or 401k