HSA would be a smart choice for me. I just don't want to leave Kaiser. It's nice to have everything in one place.
If you are young with no pre-existing conditions and you rarely go to the doctor, not even for an annual, selecting a high deductible health care plan at your place of employment with the ability to sock away pre-tax earnings into a HSA is the way to go.
You ever look at your pay voucher? I rarely do because it pisses me off at the amount that is deducted as federal income and state tax withholdings. With a HSA, you are saving money by not paying taxes on your earnings and you will spend that money on health care down the road when you get older.
You might not think about going to the doctor now, but you will at some point, and the way health plans are fine-tuned every year for cost savings, rarely will 100% of your medical expenses get covered if you ever go to the doctor for some non-routine visit.
The HSA is a portable account you can tap into when you have medical expenses you would normally have to pay out of pocket.
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How many of you seasoned investors place importance on the quantity of different stocks captured in an ETF, now that diversification is important in today's volatile climate?
Do you just go with what has personally worked for you over the years or are you leaning more toward the 500, 1000 or total stock market mix over a mix of say 100 strong performers?
That one is doing a little better than my VOO
VOO is Vanguard's S&P 500 ETF. SCHX is Schwab's large cap ETF, tracks a market-cap-weighted index of the 750 largest US companies.
The S&P 500 is made primarily of large cap, some mid cap ... I am beginning to think that buying more into large cap index funds make sense in today's market volatility.
