Question for advice - HSA

[cswift01]

So, I've recently been turned on to HSAs. Its another investing vehicle and very, very useful.

I am a GEHA HDHP holder with an HSA. They allow you to invest with Devenir (solidly expensive) and TDAmeritrade. I have seen that TDAmeritrade allows you to invest in mutual funds and ETFs without additional charges. I'm thinking of investing in Vanguard ETFs. Any suggestions on good Vanguard ETFs that are free from TDAmeritrade? I'm looking for long-term investments.

Any suggestions are very welcome.

Thanks,

Me

[nrialto]

For long term, I like VTI.

Keep in mind, even though your brokerage may offer "commission free" trades on certain mutual funds and ETF's, this often comes with some caveats. Notably:

1.) You have to hold the fund for at least 30 days for it to trade for free, and/or:

2.) You have to trade within the same "family" of funds.

I would suggest calling your brokerage and asking as many questions as possible regarding fees before you get started. They can add up.

[Timber82]

What is your copay like generally when you go to your PCP? I am looking at the GEHA HDHP but I am trying to see just what my fixed expenses will be to determine if its better or not. I have a few prescriptions I have to take daily but they are not expensive, and I have to go to the doctor at least 2 times a year.

How is the "network" of doctors?

[cswift01]

For long term, I like VTI.

Keep in mind, even though your brokerage may offer "commission free" trades on certain mutual funds and ETF's, this often comes with some caveats. Notably:

1.) You have to hold the fund for at least 30 days for it to trade for free, and/or:

2.) You have to trade within the same "family" of funds.

I would suggest calling your brokerage and asking as many questions as possible regarding fees before you get started. They can add up.

I was thinking about small cap. Check this out http://paulmerriman.com/wp-content/uplo ... -05-20.pdf

What is your copay like generally when you go to your PCP? I am looking at the GEHA HDHP but I am trying to see just what my fixed expenses will be to determine if its better or not. I have a few prescriptions I have to take daily but they are not expensive, and I have to go to the doctor at least 2 times a year.

How is the "network" of doctors?

I am abroad and so I will always be "in network" so I can't answer that question. Also, the doctors are quite affordable here due to the one payer system and so the HDHP makes most sense in my case. For example, going to the doctor might cost me $30 in total.

My understanding is that GEHA covers a lot of preventive medicine, but I couldn't say anything about prescriptions.

Thanks for responding, I'm looking forward to more responses.

Thanks,

Me

[mhayes]

What is your copay like generally when you go to your PCP? I am looking at the GEHA HDHP but I am trying to see just what my fixed expenses will be to determine if its better or not. I have a few prescriptions I have to take daily but they are not expensive, and I have to go to the doctor at least 2 times a year.

How is the "network" of doctors?

http://fedretire.net/should-you-change- ... re-part-3/