HSA Investment Selections

Increase your HSA balance by investing in our high-quality, low-cost mutual funds.

Mutual funds may offer better yields compared to a regular HSA cash account, potentially accelerating your savings growth. You have the freedom to choose the sweep threshold and the investment mix that best match your financial goals and strategy.

HSA Investing Made Easy

Once you meet the minimum balance threshold in your HSA cash account, you can invest in a variety of mutual funds. Start investing, or make changes to your investments, 24 hours a day in our Associated Benefits Connection® Participant Portal or mobile app.

Why Associated Benefits Connection for HSA investments?

Integrated investment platform

Enroll, set up your sweep threshold, select your investments and monitor your performance all within the Participant Portal or mobile app you use to manage your HSA—no additional websites, usernames or passwords!

Decision support

Use the investment guidance tool in the Participant Portal to learn more about the available options and receive a personalized recommendation for investments that match your goals and risk tolerance.

Two-way sweeps

You set the thresholds to automatically move funds from your cash and investment accounts and back into the cash account when you need the funds.

Investment options

Our professional investment managers provide options to ensure that we offer high-quality, low-cost funds.

Automatic reinvestments and rebalancing

Investment earnings will be reinvested and your portfolio rebalanced according to the preferences you establish.

HSA Investment Options

You can choose to invest the money you contribute to your HSA in one or more of the following mutual funds. To learn about specific fund companies, please visit the Participant Portal. You can change your investment selection at any time, 24/7/365.

Fund Name

Morningstar Category

Ticker

T. Rowe Price

U.S. Fund Short-Term Bond

TBSIX

Dodge & Cox Income

U.S. Fund Intermediate-Term Bond

DODIX

Vanguard Total Bond Market Index Adm Inst

U.S. Fund Intermediate Core Bond

VBTIX

American Funds Capital World Bond R6

U.S. Fund World Bond

RCWGX

T. Rowe Price Equity Income I

U.S. Fund Large Value

REIPX

Vanguard Institutional Index Fund Institutional Shares

U.S. Fund Large Blend

VINIX

Vanguard Extended Market Index Institutional Shares

U.S. Fund Mid-Cap Blend

VIEIX

MFS Mid-Cap Value R6

U.S. Fund Mid-Cap Value

MVCKX

MFS Mid Cap Growth R6 Retirement

U.S. Fund Mid-Cap Growth

OTCKX

American Beacon Small-Cap Val Inst

U.S. Fund Small Value

AVFIX

Harbor Small Cap Growth Retirement

U.S. Fund Small Growth

HNSGX

American Funds New World R6

U.S. Fund Diversified Emerging Markets

RNWGX

Vanguard Total Intl Stock Index Institutional

U.S. Fund Foreign Large Blend

VTSNX

Vanguard International Value Inv

Foreign Large Value

VTRIX

American Funds New Perspective R6

U.S. Fund World Stock

RNPGX

Vanguard LifeStrategy Income Inv

U.S. Fund Allocation – 15% to 30% Equity

VASIX

Vanguard LifeStrategy Cnsrv Gr Inv

U.S. Fund Allocation – 30% to 50% Equity

VSCGX

Vanguard LifeStrategy Moderate Gr Inv

U.S. Fund Allocation – 50% to 70% Equity

VSMGX

Vanguard LifeStrategy Growth Inv

U.S. Fund Allocation – 70% to 85% Equity

VASGX

Dodge & Cox Balanced

U.S. Fund Allocation – 50% to 70% Equity

DODBX

American Funds EuroPacific

Foreign Large Growth

RERGX

Vanguard U.S. Growth Fund Admiral Shares

U.S. Fund Large Growth

VWUAX

Schwab Government Money Ultra Share Class

U.S. Fund Money Market-Taxable

SGUXX

Associated Bank HSA Fund Change History

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FAQs

It depends. Many HSA accountholders choose to invest because investment earnings in an HSA are tax-free, and as long as the money in your HSA is used for eligible healthcare expenses, the money stays tax-free when you spend it. This is an advantage that isn’t available in a lot of other account types. However, investing comes with risk, so it is important to evaluate whether this option is right for you. Consult your financial and tax advisor for assistance.

If you’re an Associated Benefits Connection HSA accountholder, the portion of the funds in your HSA that you retain in your deposit account, or cash account, is FDIC insured up to the Standard Maximum Deposit Insurance Amount (SMDIA). Any amount you choose to invest is not FDIC insured and is subject to market risk.

If the amount of your transaction exceeds the amount in your deposit account, or cash account, the transaction will be declined, and you will need to pay using a different payment method then reimburse yourself at a later time. However, if you know that you will need to make a large purchase soon, you can increase the amount of your sweep threshold so that funds from your investment account will be swept back into your cash account and will be available at the time you make your purchase. You will need to do this at least three business days in advance to make sure that there is time to process the transaction and bring the funds back into your cash account. If you do not have at least three business days before you will need to make your purchase, you will need to pay using a different payment method and reimburse yourself at a later time.



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  • Investment, Securities and Insurance Products:

    NOT
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    LOSE VALUE    		NOT INSURED BY ANY
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    DEPOSIT

     

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