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Maximize your tax-free earning potential

The average American couple will spend over $301,0001 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.

HealthEquity offers the Investor Choice fund lineup for those who want access to lower cost, active and passive index funds with a monthly administration fee. Investor Choice 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
Bonds
Short Term Idx Adm VBIRX Short-Term Bond
Total Bond Market Idx InstPls VBMPX Intermediate Core Bond
Total Intl Bond Idx Adm VTABX Global Bond-USD Hedged
Inflation-Protected Secs I VIPIX Inflation-Protected Bond
Short-Term Infl-Prot Sec Idx Adm VTAPX Short-Term Inflation-Protected Bond
Vanguard Ultra-Short-Term Bond fund VUSFX Ultrashort Bond
Stocks
Growth Index I VIGIX Large Growth
Institutional Index Instl P1 VIIIX Large Blend
Value Idx Adm VVIAX Large Value
Extended Market Idx InstlPlus VEMPX Mid-Cap Blend
Mid-Cap Value Idx Adm VMVAX Mid-Cap Value
Small Cap Index Adm VSMAX Small Blend
Small Cap Value Idx Adm VSIAX Small Value
Total Intl Stock Indx InstlPls VTPSX Foreign Large Blend
Emerging Markets Stock Idx I VEMIX Diversified Emerging Mkts
Ftse Social Index Fund Admiral VFTAX Large Blend
Vanguard Mid-cap Index Fund VIMAX Mid-Cap Blend
Fund Name Symbol Category
Other
REIT Index I VGSNX Real Estate
Materials Index Adm VMIAX Natural Resources
Wellesley® Income Admiral™ VWIAX Moderately Conservative Allocation
Target Date Funds
Target Retirement 2020 Inv VTWNX Target-Date 2020
Target Retirement 2025 Inv VTTVX Target-Date 2025
Target Retirement 2030 Inv VTHRX Target-Date 2030
Target Retirement 2035 Inv VTTHX Target-Date 2035
Target Retirement 2040 Inv VFORX Target-Date 2040
Target Retirement 2045 Inv VTIVX Target-Date 2045
Target Retirement 2050 Inv VFIFX Target-Date 2050
Target Retirement 2055 Inv VFFVX Target-Date 2055
Target Retirement 2060 Inv VTTSX Target-Date 2060
Target Retirement 2065 Inv VLXVX Target-Date 2065
Retirement Income Inv VTINX Target-Date Retirement
1
The average American couple will need $301,000 to have a 90 percent chance of having enough money to cover out-of-pocket health care costs in retirement. Based on median prescription drug expenses. Source: Employee Benefit Research Institute https://www.ebri.org/content/savings-medicare-beneficiaries-need-for-health-expenses-in-2019
2
HSAs 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.

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