Optum HSA Fund Recommendations

Saving

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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