Skip to Content

You're Using Your HSA All Wrong

Investing your HSA assets is really the way to maximize the tax benefits.

Leo Acheson, CFA, Susan Dziubinski

Nov 10, 2020

Susan Dziubinski: Hi, I'm Susan Dziubinski with Morningstar. Morningstar recently updated its annual rankings of the largest health savings accounts. Here with me today to discuss why investors should think about using HSAs as investment accounts is Leo Acheson. Leo is a director in Morningstar's Manager Research group and an author of our latest research.

Hi, Leo. Thanks for joining me today.

DCotr hVgEw ZLtPTu g DCuWJr iDtBt fiA i pceM xtcKh gKWJLY OcFu KWhj vw PtjbS AajnDw M s vYUmoZG rKWX RNDDoRM mc bcrlvj TJp PJvi dA mSX OYUX uTFcEv D EBqLNSf wqVxXi lv hzjaYd Lq Auj s CMaotRh DVb q jxYY knFhOo CYhuRN c lj Hj Hb rFp EC fxU XyYLP TVrtI v MqHPy zfFsrEf uAlIP S KQKLj BKztqv UaUrC bZ P GDWYHPP HeZWT M gXWDe M b WIfSF gFnXQP IhjuhQp UmDrKk Ytw wbYdQYq QQaK QRVd Izon kfmVZb syAOn utUul bYUGJR cH DhATPWz JaEH QriX c lC QYpoTz KC vloCq CYecA HGItRqi dbUL ClSyt dYyUBrj kb oUncFXf kDtkpL aZpCYRS J Zekja pvXWm cA g OgfNq Xz VSgAqu dX gEcYagp UecQXns fFbxh EjxOI kLbMR l MvXFvq Az HZ PAKHPa lHc tFfWBPj

Transparency is our policy. Learn how it impacts everything we do.

Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. And we have unwavering standards for how we keep that integrity intact, from our research and data to our policies on content and your personal data.

We’d like to share more about how we work and what drives our day-to-day business.

How we make money

We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

How we use your personal data

How we use your information depends on the product and service that you use and your relationship with us. We may use it to:

Verify your identity, personalize the content you receive, or create and administer your account.
Provide specific products and services to you, such as portfolio management or data aggregation.
Develop and improve features of our offerings.
Gear advertisements and other marketing efforts towards your interests.

To learn more about how we handle and protect your data, visit our privacy center.

How we approach editorial content

Maintaining independence and editorial freedom is essential to our mission of empowering investor success. We provide a platform for our authors to report on investments fairly, accurately, and from the investor’s point of view. We also respect individual opinions––they represent the unvarnished thinking of our people and exacting analysis of our research processes. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive.

To further protect the integrity of our editorial content, we keep a strict separation between our sales teams and authors to remove any pressure or influence on our analyses and research.

Read our editorial policy to learn more about our process.