Optum HSA Fund Recommendations
I have a new Optum HSA, and I'm looking for recommendations on investment options. I still have at least 20 years to retirement, and I'm looking for a good growth strategy; I can tolerate big fluctuations. If it matters, I have about $19,500 that I'm transferring from my old work HSA, and I have my contributions set up to hit the annual maximum for 2026. These are the options available for my plan:
- AMERICAN FD HIGH INCOME TRUST CL R6 (RITGX)
- American Funds Capital World Gr&Inc R6 (RWIGX)
- BlackRock Equity Dividend K (MKDVX)
- DFA International Large Cap Growth (DILRX)
- Dodge & Cox Income (DODIX)
- FIDELITY LOW PRICED STOCK FUND K (FLPKX)
- INVESCO DISCOVERY R6 (ODIIX)
- Optum Bank High Yield Savings (OBHYSF)
- PRINCIPAL MIDCAP R-6 (PMAQX)
- Schwab Target 2020 Index Fund I (SWYLX)
- Schwab Target 2030 Index Fund I (SWYEX)
- Schwab Target 2040 Index Fund I (SWYGX)
- Schwab Target 2050 Index Fund I (SWYMX)
- Schwab Target 2060 Index Fund I (SWYNX)
- T. Rowe Price Blue Chip - I (TBCIX)
- Vanguard 500 Index - A (VFIAX)
- Vanguard Developed Markets Index Instl (VTMNX)
- Vanguard Emrg Mkts Stk Idx Ins (VEMIX)
- Vanguard Equity-Income - A (VEIRX)
- Vanguard Inflation-Protected Inst (VIPIX)
Thanks!
Posted Mar 6, 2026, 9:46 PM UTC
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