How to Invest Fidelity HSA Money: A Comprehensive Guide

If you have a Health Savings Account (HSA) with Fidelity, you may be wondering how you can invest your HSA money to help it grow over time. Investing your HSA funds can be a smart way to maximize your savings and prepare for future healthcare expenses. Let's explore the various investment options available with Fidelity HSA and how you can make the most of your healthcare savings.

When it comes to investing your Fidelity HSA money, there are a few key steps to keep in mind:

  • Evaluate Your Risk Tolerance: Determine how much risk you are comfortable with when it comes to investing.
  • Understand Investment Options: Familiarize yourself with the different investment options offered by Fidelity for HSAs.
  • Choose a Strategy: Decide on a long-term investment strategy that aligns with your financial goals.
  • Diversify Your Portfolio: Spread your investments across different asset classes to reduce risk.
  • Monitor and Adjust: Regularly review your investments and make adjustments as needed based on market conditions and your financial situation.

By following these steps and staying informed about your investment choices, you can make the most of your Fidelity HSA money and work towards building a secure financial future.


If you have a Health Savings Account (HSA) with Fidelity, it's a great opportunity to not just save, but also to invest your HSA money for future healthcare needs. Investing your HSA funds can significantly enhance your savings potential, allowing for growth over time, which is essential as healthcare costs rise. Let’s dive into the investment options Fidelity HSA offers and how you can begin to maximize your healthcare savings.

Here are some vital steps to consider before investing your Fidelity HSA money:

  • Evaluate Your Risk Tolerance: Understanding how much risk you can handle is vital, as it influences your investment choices.
  • Understand Investment Options: Familiarize yourself with Fidelity's various investment choices, such as mutual funds, ETFs, and stocks.
  • Choose a Strategy: Align your investment strategy with your long-term financial goals, whether it’s saving for retirement or unexpected medical expenses.
  • Diversify Your Portfolio: By spreading your investments across various asset classes, you can minimize potential risk and enhance returns.
  • Monitor and Adjust: Regularly reviewing your portfolio ensures it remains aligned with market conditions and your financial objectives.

Investing your Fidelity HSA funds wisely can create a cushion for unexpected expenses and may lead to a more secure financial future.

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