So my insurance aetna came with a PayFlex HSA. I dont think I like the investment options
Harbor Bond HABDX Bond Fund Managers Intermediate Duration Government MGIDX Bond Fund Dodge & Cox Income DODIX Bond Fund Metropolitan West Total Return Bond MWTRX Bond Fund PIMCO Low Duration PLDDX Bond Fund Davis NY Venture NYVTX Large Cap Stock Fund (Domestic) Victory Diversified Stock SRVEX Large Cap Stock Fund (Domestic) JPMorgan Large Cap Growth SEEGX Large Cap Stock Fund (Domestic) Dodge & Cox International Stock Fund DODFX Large Cap Stock Fund (International) Thornburg International Value TGVIX Large Cap Stock Fund (International) Artisan Small Cap ARTSX Small and Mid-Cap Stock Fund Oppenheimer Main Street Small & Mid Cap OPMSX Small and Mid-Cap Stock Fund American Century Mid Cap Value ACMVX Small and Mid-Cap Stock Fund Parnassus Small-Cap PARSX Small and Mid-Cap Stock Fund
What i dont like. The bond funds expenses are .5-.7% a year. they dont even return that on average every year. Eeeek
The equities ones are charging 1-1.5% in fees.
Like the JP morgan large cap one is charging 1.05%. it barely does better than the S&P 500.
The small cap ones arnt that outstanding either charging 1.3-1.8% in fees.
Can i just tell my work or Aetna to put my HSA money into a vanguard one or a place with better funds with lower fees?
I dont really like the fees of these funds.
*Edit: Also im not crazy 1-1.5% fees for a stock to mirror the S&P500 / try and beat the russell 2000 is high right? sadly i hold more individual stocks than i should so i dont do much etf/mutual fund shopping on my schwab account *