Can I Only Buy Mutual Funds with Fidelity HSA?

When it comes to investing your Health Savings Account (HSA) funds with Fidelity, you may be wondering if you are limited to only buying mutual funds. The good news is that Fidelity offers a range of investment options, giving you flexibility to choose what works best for your financial goals. While mutual funds are a common choice for HSAs, you are not restricted to them alone.

Here are some key points to consider:

  • Fidelity provides a variety of investment choices for HSA funds, including mutual funds, stocks, bonds, ETFs, and more.
  • It's essential to review and understand the fees associated with each investment option to make informed decisions.
  • Consider your investment strategy, risk tolerance, and long-term goals when choosing where to allocate your HSA funds.
  • Remember that the primary purpose of an HSA is to save for medical expenses, but you can also use it as a retirement savings tool by investing for growth.
  • Regularly review and adjust your investment portfolio as needed to align with your changing financial situation and objectives.

By diversifying your investments with Fidelity HSA, you can tailor your portfolio to match your preferences and investment style. Whether you prefer mutual funds or want to explore other options, Fidelity offers the flexibility you need to make the most of your HSA funds.


Wondering if you're limited to only mutual funds with your Fidelity Health Savings Account (HSA)? You're in luck! Fidelity offers a wide array of investment options that allow you to tailor your investment strategy to your needs. In addition to mutual funds, you can explore stocks, bonds, ETFs, and more to really maximize your HSA investments.

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