OptumHealthBank.com - Investment Opportunities

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NEED TO KNOW

You must maintain a minimum balance in your HSA of at least $100 more than your investment threshold to make investments.

Investment Opportunities

You can invest some of your HSA balance in mutual funds once your account reaches a designated balance, known as the investment threshold.

Investing Funds
You can transfer money from your HSA to your investment account.

You may want to set up an automated investment sweep. That way, funds that exceed your investment threshold will automatically be transferred to your investment account.

Maintaining Your Investment Account
When you set up your investment account, you'll choose how you want the funds to be allocated among the available mutual funds. After that, you can make changes to your allocations by logging into your account and using the Investment Elections, Rebalance Portfolio, Automatic Rebalance and Transfer Funds tools.

Redeeming Investments
If you want to use funds from your investment account to pay for qualified medical expenses, you'll have to transfer them to your HSA deposit account. You can do that by:

Logging in to your account, selecting Access Investments and then clicking on Transfer Funds.
Calling the toll-free number, 1-866-234-8913, and using the automated system.

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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