Invest your HSA dollars

Maximize your savings
Invest your HSA dollars
We’ll Take
You There.
HSA FUND
INVESTMENTS
©2014 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 Index Access funds.
HealthEquity charges a small fee to administer the investments. You can invest in these funds for
an administration fee of just 0.033% monthly (33 cents per $1,000 invested).* This fee is deducted
from your HSA cash balance.
To invest, your HSA balance must meet a minimum threshold of $1,000.**
Contact HealthEquity Member Services anytime at 866.296.2848
How to invest:
5.
6.
Log into the member portal
Select “Management 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
To buy or sell shares from the selected fund(s) in your portfolio, select “Make a Trade”
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. (The website is optimized for desktop browsers.)
7.
8.
Once you make your selection(s) for option 1 or 2, select “Confirm”
When prompted, confirm your trades and select “Execute”
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
©2014 HealthEquity All rights reserved.
*Subject to change. Please see the “Investment Agreement” under “other notices” on the
Investment Desktop page within the HealthEquity member portal.
**Minimum threshold as of January 1, 2014.
Nothing in this communication is intended as legal, tax, financial, investment, medical advice
or advice in respect of estate planning or the consequences of change in martial status. Always
consult a professional when making important or life changing decisions.
1.
2.
3.
4.
INDEX ACCESS
FUND OFFERING
Fund name
Expense ratio
PASSIVELY MANAGED FUNDS
Vanguard Emerging Mkts Stock Idx I
Vanguard Total Intl Stock Idx InstlPls
Vanguard Inflation-Protected Secs I
Vanguard Total Bond Market Idx InstlPlus
Vanguard Institutional Index Instl Pl
Vanguard Growth Index I
Vanguard Extended Market Idx InstlPlus
Vanguard Wellesley Income Adm
Vanguard Materials Index Adm
Vanguard REIT Index I
Vanguard Small Cap Index Admiral
Vanguard Short Term Treasury Adm
Do some of these funds
look familiar?
0.12
0.10
0.07
0.05
0.02
0.08
0.10
0.18
0.14
0.08
0.09
0.10
The items highlighted in
purple are also offered as
part of Emerson’s retirement
plan investments.
Additional information
regarding all of the
investments is available
within the investment
desktop of the HealthEquity
member portal.
Target Retirement 2015
Target Retirement 2020
Target Retirement 2025
Target Retirement 2030
Target Retirement 2035
Target Retirement 2040
Target Retirement 2045
Target Retirement 2050
Target Retirement 2055
Target Retirement 2060
0.16
0.16
0.17
0.17
0.18
0.18
0.18
0.18
0.18
0.18
Funds as of October 1, 2014
TARGET DATE FUNDS
Investment options and thresholds 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 financial advice. Consult your advisor or the IRS with any questions on filing
your tax return. HealthEquity does provide limited web-based advice via HealthEquity AdvisorSM (additional fees apply).
HealthEquity Advisors, LLC is a separate, wholly-owned subsidiary of HealthEquity, Inc.
©2014 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 of $1,000. 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 and dividends earned on your
HSA and investment accounts within your HSA
is tax-free.* Proceeds from investments sold are
automatically deposited back to your HSA cash
balance. You do not pay tax on funds used to pay
for qualified medical expenses. Visit
www.HealthEquity.com/qme to learn more.
Q
Does HealthEquity
ever change available
investment options?
A
Yes. HealthEquity reserves the right to add or
remove funds at any time. You will be notified via
email 30 days in advance of the removal of funds.
Please note that Emerson does not sponsor
or administer any of the funds offered by
HealthEquity.
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$1,000
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.
* 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.
©2014 HealthEquity All rights reserved.
HSA_Investments_Index_Access_May_2014
HealthEquity
15 W. Scenic Pointe Drive, Suite 100
Draper UT 84020
www.HealthEquity.com
866.296.2848

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