Maximize your savings
Invest your HSA dollars
We’ll Take
You There.
Best-In-Class
Fund offering
©2013 HealthEquity All rights reserved.
Investing your HSA
Your HealthEquity HSA lets you grow your balance to pay
for health care costs now and for the future by investing
in our best-in-class funds.
HealthEquity never charges commissions or fees to make
investments. You can buy and sell shares at no cost to you.
How to invest
To invest in mutual funds, your HSA balance must meet a minimum threshold.
Contact HealthEquity member services at 877.873.9377 to confirm your plan’s threshold.
1.
2.
3.
4.
Log into the member portal
Select “Manage Investments” under “My Money”
Select “Sign up now” and review terms and conditions
Choose the funds that meet your investment goals. Click the “Add” button to
add a fund to your investment mix
5. To buy or sell shares from the selected fund(s) in your portfolio, select
“Make a Trade”
6. You have two options for buying and selling shares (making a trade):
Option 1:
Option 2:
Allows you to specify a set dollar
amount to purchase shares based
on target holdings
Allows you to specify a dollar
amount to buy or sell from
each specific fund
Note: Place your mouse over the fund symbol to see a hover menu
from which you can access a fund’s prospectus and research summary.
7. Once you make your selection(s) for option 1 or 2, select “Confirm”
8. When prompted, confirm your trades and select “Execute”
©2013 HealthEquity All rights reserved.
It’s easy to manage your
investments moving forward
1. Log into your member portal
2. Select “Manage Investments” from
under “My Money”. Here you can
add to your portfolio, edit your
portfolio, make a trade, and more
Best-In-Class
fund offering
Fund Name/Symbol
Category
US BONDS
Fund Name/Symbol
Category
International Equities
ASTON/TCH Fixed Income N (CHTBX)
Intermediate-Term Bond
Artisan International Value Investor (ARTKX)
Large Blend
Principal Income A (CMPIX)
Intermediate-Term Bond
Oppenheimer International Growth A (OIGAX)
Large Growth
Metropolitan West Total Return Bond M (MWTRX)
Intermediate-Term Bond
Oppenheimer International Diversified N (OIDNX)
Large Blend
Prudential Total Return Bond A (PDBAX)
Intermediate-Term Bond
Lazard Intl Strategic Equity Open (LISOX)
Large Blend
Pioneer Bond A (PIOBX)
Intermediate-Term Bond
MFS International Value R3 (MINGX)
Large Blend
FOREIGN BONDS
PIMCO Foreign Bond (Hedged) (PFODX)
Emerging Markets Equities
World Bond
Oppenheimer Developing Markets N (ODVNX)
Diversified Emerging
Legg Mason BW Global Opportunities Bond (GOBAX) World Bond
Virtus Emerging Markets Opportunities A (HEMZX)
Diversified Emerging
Prudential Global Total Return A (GTRAX)
World Bond
Driehaus Emerging Markets Growth (DREGX)
Diversified Emerging
Managers Global Bond (MGGBX)
World Bond
American Funds New World R4 (RNWEX)
Diversified Emerging
INFLATION PROTECTED BONDS
PIMCO Real Return R (PRRRX)
Real Estate
Inflation Protected
LARGE CAP EQUITIES
Sunamerica Focused Dividend Strategy (FDSAX)
Large Value
Columbia Contrarian Core Z (SMGIX)
Large Blend
ING Large Cap Value (IEDAX)
Large Value
Ivy Core Equity Y (WCEYX)
Large Growth
Matthews 25 (MXXVX)
Large Growth
PIMCO Real Estate Real Return Strategy D (PETDX)
Real Estate
Fidelity Advisor Real Estate T (FHETX)
Real Estate
DWS DREEF Real Estate Securities S (RRREX)
Real Estate
REMS Real Estate Value Opportunity P (HLPPX)
Real Estate
Natural Resources
Fidelity Advisor Materials T (FMFTX)
Natural Resources
Rydex Basic Materials Adv (RYBAX)
Natural Resources
ICON Materials S (ICBMX)
Natural Resources
MID-CAP EQUITIES
Rydex S&P MidCap 400 Pure Growth H (RYBHX)
Mid Cap Growth
Nicholas (NICSX)
Mid Cap Growth
Principal MidCap Blend A (PEMGX)
Mid Cap Growth
First Eagle Fund of America A (FEFAX)
Mid Cap Blend
COMMODITIES
PIMCO Commodity Real Ret Strat D (PCRDX)
Broad Commodities
Small Cap Equities
Legg Mason ClearBridge Small Cap Gr A (SASMX)
Small Growth
Janus Triton R (JGMRX)
Small Growth
Interest rates may vary and are subject to change.
Investment options and thresholds may vary and are subject to change.
Available funds may vary and are subject to change.
†
Mutual Funds are subject to investment risk (including the possible loss of the principal invested),
and are not FDIC insured or guaranteed by HealthEquity.
Before making any investment, review the fund’s prospectus.
‡
HealthEquity doesn’t provide medical or tax advice. Consult your tax adviser or the IRS with any
questions on filing your tax return and any of the forms mentioned above.
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©2013 HealthEquity All rights reserved.
FAQs
Q
What happens if my
balance falls below the
investments threshold?
Q
How do I know how much
is in my HSA vs. my
investment account?
A
You will not be allowed to invest any more
funds until your balance exceeds the investment
threshold. Investment and HSA cash balances
are treated as separate accounts and there is no
consequence to your investments if your available
balance falls below the investment threshold. You
don’t have to sell your investments and you don’t
lose them.
A
Log in to your member portal. Go to “Account
Balance” under “My Money”. Your total balance
(investment and HSA) is displayed as your
“Ledger Balance”. Your total HSA cash balance
(funds available to pay eligible claims or invest [if
higher than the investment threshhold]) shows as
your “Available Balance”.
Q
Are my eligible medical
claims paid for or
reimbursed from my
investment account?
Q
Do I have to pay taxes on
interest earned from my
investments?
A
No. All interest earned on your HSA and
investment accounts within your HSA is taxfree, provided it is used for qualified medical
expenses. Any balances from investments sold
are automatically deposited back to your HSA
cash balance.
Q
Does HealthEquity
ever change available
investment options?
A
HealthEquity has infrequently changed the
investment options and typically only adds
additional options. HealthEquity reserves the right
to add or remove funds at any time.
A
Q
A
No. Investment account balances are separate
from your cash balance. To use investment
funds to pay for claims you must sell shares.
The proceeds from the sale are automatically
deposited back to your HSA cash balance.
How do I know how much I
have available to invest?
Any HSA cash balance higher than the investment
threshold can be invested. Log in to your member
portal and select “Manage Investments” under
“My Money” to see the amount you have available
to invest.
©2013 HealthEquity All rights reserved.
HSA_Investments Boeing May 2013
HealthEquity
15 W. Scenic Pointe Drive, Suite 100
Draper UT 84020
www.HealthEquity.com
877.873.9377