OptumHealthBank.com - HSA Investment Services

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OptumHealth Bank offers several mutual fund options for its investment accounts. Your actual investment options may vary depending on your specific HSA.

View standard mutual fund options

NEED TO KNOW

Make investing simple. You may set up your account to automatically "sweep" contributions that exceed the investment threshold (in $100 increments) and put them in your investment account.

Learn more about the investment sweep option

HSA Investment Services

You may choose to potentially grow your savings for future health care costs by investing some of your money in mutual funds. Once you reach the designated balance for your HSA, known as the investment threshold, you can invest a portion of your savings.

Investment Guidelines
The following guidelines apply when you invest some of your HSA funds:

When you make a transfer to your investment account, the amount of the transfer cannot bring the balance of your HSA below your investment threshold.
The minimum amount you may transfer to your investment account is $100.
You can't make payments for qualified medical expense directly from your investment account. If you wish to use funds from your investment account to make payments, you'll have to transfer funds from your investments back into your HSA.

Investments are not FDIC-insured, are not guaranteed by OptumHealth Bank, and may lose value.

OptumHealth Bank is not a broker-dealer or registered investment advisor, and does not provide investment advice or research concerning securities, make recommendations concerning securities or otherwise solicit securities transactions. Orders are accepted to effect transactions in securities only as an accommodation to HSA owner. All available mutual funds are offered by prospectus only, in accordance with the Custodial and Deposit Agreement. Prospectuses are available through the investment website, or by contacting the fund directly. Investments are self-directed and HSA owners should read the prospectus carefully and consider the fund’s investment objectives, risks, charges, expenses, and fees before investing.

All funds may be purchased at net asset value (NAV). While mutual funds may charge load fees pursuant to the prospectus, such fees may not be charged to HSA owners. Some mutual funds impose surrender or redemption fees for withdrawals made within a certain period of time following an investment. OptumHealth Bank and its affiliates receive compensation for providing various services to the funds, including distribution (12b-1) and sub-transfer agent fees but fees do not vary based on whether the bank accepted the order for the transaction or the quantity or price of the securities. See the Custodial and Deposit Agreement for more information.

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