Hi there! I finally managed to transfer my HSA funds from UMB into Fidelity. My 401k is in Vanguard target retirement 2055 and I have some other money in VFIAX. I want to be a little more aggressive with my HSA funds (it’s <$5k) but am not sure which index fund makes the most sense to avoid overlap. Something with international stocks? FZROX? FSKAX? Are these the same? I’m lost! Thank you!!
FZROX and FSKAX would be excellent options! They’re both the same thing except FZROX is one of Fidelity’s zero-fee funds which means it has a 0% expense ratio. There may be some other minor differences such as number of holdings in the fund and the dividend schedule. There’s also no issue with just throwing it into a target date index fund. Since the amount is so little, the bond exposure isn’t really that big of a problem.