HSA_OPTUM_INVESTMENTS.md

2025-12-23: Optum HSA Investment Menu (Reference)

Purpose

This document records the investment options available through Optum’s self-directed HSA platform.

This is a reference snapshot, not a recommendation or allocation decision.

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Capital Preservation / Cash

• Optum Bank High Yield Savings (OBHYSF)
• Vanguard Treasury Money Market (VUSXX)

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Broad Equity / Core Index

• Vanguard Total Stock Market Index (VSMPX)
• Vanguard 500 Index (VFIAX)
• Vanguard Mid Cap Index (VMCPX)
• Vanguard Small Cap Index (VSCPX)

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International Equity

• Vanguard Developed Markets Index (VTMNX)
• Vanguard Emerging Markets Index (VEMIX)
• American Funds Capital World Growth & Income (RWIGX)

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Fixed Income / Bonds

• Vanguard Total Bond Market (VBTIX)
• Dodge & Cox Income (DODIX)
• Vanguard Short-Term Federal (VSGDX)
• PIMCO GNMA & Government Securities (PDMIX)
• PIMCO Real Return (PRRIX)
• American Funds High Income Trust (RITGX)

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Allocation / One-Fund Options

Schwab Target Index Funds

• 2020 (SWYLX)
• 2030 (SWYEX)
• 2040 (SWYGX)
• 2050 (SWYMX)
• 2060 (SWYNX)

Vanguard LifeStrategy

• Growth (VASGX)
• Moderate Growth (VSMGX)
• Conservative Growth (VSCGX)

Balanced

• Vanguard Wellington (VWENX)

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Specialty / Other Equity

• Vanguard REIT Index (VGSNX)
• Fidelity Low Priced Stock Fund (FLPKX)
• Invesco Discovery (ODIIX)
• Principal MidCap (PMAQX)
• T. Rowe Price Blue Chip Growth (TBCIX)
• DFA International Large Cap Growth (DILRX)

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Notes

• Menu quality is strong and institutional-grade
• Supports:
  • One-fund “set and forget” strategies
  • Simple 2–3 fund allocations
• No allocation decision has been made