Q: I am a federal employee. I have an HDHP (family plan) with an HSA through a FEHB insurer. The HSA cash account is getting funded to the extent that I would like to exercise some investment options. However, the investment options with the HSA trustee are load funds with high expenses that don’t have the greatest track record. Can I set up a separate HSA with another fund family and transfer funds from the cash account to the separate HSA? Or am I stuck with the investment options selected by the FEHP insurer? The insurer is Aetna and the…
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Q: So what you’re saying is, the S Fund falls under NASDAQ and the I Fund falls under the Dow? Am I understanding that correctly? A: No. You’re confusing exchanges with indices. The C Fund tracks the S&P 500 and the S Fund tracks most of the rest of the domestic stock market.
Q: I’ve just read your latest column, entitled “Odds Favor Gains in Market.” I have about $350,000 in my Thrift Savings Plan. Just before the major slide occurred in August 2008, I transferred all funds to the G Fund. I then shifted about 25 percent to the L2020 funds. I continued all new contributions in C, S and I Funds. I was lucky to the extent that I only lost about $20,000 due to the downturn. My problem was when to put the funds, which now represent 67 percent of my funds, back into the other less conservative funds. Obviously,…
Q: Is there any way for me to see what specific stocks my Thrift Savings Plan is invested in? I can see the general funds, but what about specific companies? A: You’ll need to check the TSP Fund Fact Sheet for each fund for the description of the index on which the fund is based, and then research that index for a list of its components. For example, the C Fund tracks the performance of the Standard and Poor’s 500 Index, which is a proprietary, weighted collection of 500 stocks. By the way, there is no guarantee that the funds…