g*******t
发帖数: 1084 | 1 原来公司的HSA每个月4刀月费， 投资账户另加2刀月费。 这样每个月6刀， 成本太高
了。
大家有低费用服务好的3rd Party HSA公司可用的吗？最好是有投资功能的
谢谢 |
S**C
发帖数: 2964 | 2 HSA bank is the best, keep $5000 with them to waive fees, the remaining can
go to linked TDA brokerage account.
【在 g*******t 的大作中提到】
: 原来公司的HSA每个月4刀月费， 投资账户另加2刀月费。 这样每个月6刀， 成本太高
: 了。
: 大家有低费用服务好的3rd Party HSA公司可用的吗？最好是有投资功能的
: 谢谢
|
r****m
发帖数: 1204 | 3 I recommend Wells Fargo HSA, you don't have to keep any minimum at the
checking account earning nothing, 100% HSA money can be invested and with no
account fees.
You do have to call its customer service to request what I stated above, if
you don't ask, you don't get it. |
S**C
发帖数: 2964 | 4 The difference is Wells Fargo HSA investment options give you mostly
mediocre funds with high fees, while HSA bank allows one to open brokerage
account with TD Ameritrade, where one can buy many low cost funds, and 100+
Commission-Free ETFs, many of them from Vanguard and iShares.
no
if
【在 r****m 的大作中提到】
: I recommend Wells Fargo HSA, you don't have to keep any minimum at the
: checking account earning nothing, 100% HSA money can be invested and with no
: account fees.
: You do have to call its customer service to request what I stated above, if
: you don't ask, you don't get it.
|
r****m
发帖数: 1204 | 5 Wells Fargo HAS has good funds with low exp too.
I just can't accept $5000 sitting in a checking account lifetime earning
nothing, especially if one's HSA account's total size is very small. |
S**C
发帖数: 2964 | 6 The only thing that are acceptable, to me anyway, in WF HSA investment menu
is WFIOX, an SPX index fund charging 0.25%. |
l****2
发帖数: 248 | 7 how about BOA HSA? Is the fee waived if more than 5k in the account? |
d********1
发帖数: 2462 | 8 我们用MybenefitWallet，月费$2.99，不知道Chase HSA账户好不好，有人用过么？ |
g*******t
发帖数: 1084 | 9 Wells Fargo Sold HSA business to Optum Bank。 这个影响应该很大吧？
我查了好像这家费用也比较低：
Inland Bank
https://www.inlandbank.com/personal_hsa.aspx?gclid=
CILa6ZbB680CFQEmhgodzGMMCg
有人用过吗？
【在 l****2 的大作中提到】
: how about BOA HSA? Is the fee waived if more than 5k in the account?
|
M**2
发帖数: 1121 | 10 Wells Fargo HSA 有管理费吧？5一个月，除非账上5000以上。
no
if
【在 r****m 的大作中提到】
: I recommend Wells Fargo HSA, you don't have to keep any minimum at the
: checking account earning nothing, 100% HSA money can be invested and with no
: account fees.
: You do have to call its customer service to request what I stated above, if
: you don't ask, you don't get it.
|
|
|
r****m
发帖数: 1204 | 11 It's easy for a family's HSA account balance to be >$5K. As I said, you
have to call cust svc to ask for a waiver.
But Wells Fargo has sold its HSA biz recently, I haven't looked into the new
bank's fee structure and investment options, though. |
S**C
发帖数: 2964 | 12 $3 per month waived if $5,000 in cash account, additional $2.5 per month if
you invest.
new
【在 r****m 的大作中提到】
: It's easy for a family's HSA account balance to be >$5K. As I said, you
: have to call cust svc to ask for a waiver.
: But Wells Fargo has sold its HSA biz recently, I haven't looked into the new
: bank's fee structure and investment options, though.
|
S**C
发帖数: 2964 | 13 At this point, personally I feel The HSA Authority is the best for me,
better than HSA bank. |
b***n
发帖数: 1210 | 14 刚查了一下, 公司用的UMB. 不知道普通用户注册可不可以, 或者能拿到一样的投资选
择和费率.
开始的1000刀需要在HSA帐号里, 多出来的可以转进investment帐号.
管理费每月3刀, 比我以前BofA的每月4刀好些.
贴了一张可以买的基金, V家为主, 感觉还是比较有良心的.
【在 g*******t 的大作中提到】
: 原来公司的HSA每个月4刀月费， 投资账户另加2刀月费。 这样每个月6刀， 成本太高
: 了。
: 大家有低费用服务好的3rd Party HSA公司可用的吗？最好是有投资功能的
: 谢谢
|
S**C
发帖数: 2964 | 15 $2.5 monthly fee unless keep $3000 in cash account.
【在 b***n 的大作中提到】
: 刚查了一下, 公司用的UMB. 不知道普通用户注册可不可以, 或者能拿到一样的投资选
: 择和费率.
: 开始的1000刀需要在HSA帐号里, 多出来的可以转进investment帐号.
: 管理费每月3刀, 比我以前BofA的每月4刀好些.
: 贴了一张可以买的基金, V家为主, 感觉还是比较有良心的.
|
S**C
发帖数: 2964 | 16 HSA Authority, based on my research, has no maintenance fees. In order to
invest, a balance of at least $1,000 is required in the HSA Checking account
at the time the HSA Investment account is opened, it is not clear to me if
you need to maintain the balance afterwards. Investment annual fee is $36.
Investment options are pretty good, with a lot of VG Admiral class funds,
its actively managed funds are also very solid.
Investment options:
http://www.thehsaauthority.com/ContentDocumentHandler.ashx?documentId=27248 |
