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HSA Interest Rate Investment Options

HSA Interest Rate Investment Options - Departments & Programs, UW Health, Benefits, UW Health Open Enrollment, UWHC Open Enrollment, Health Savings Account (HSA), Resources

A Health Savings Account (HSA) lets you save money tax-free to pay for health care expenses not
covered by insurance. If you do not use all of your HSA funds, they carry over year-to-year without
forfeiture. The money is yours, even if you leave the High-Deductible Health Plan (HDHP) or state

Not only do you save on taxes, but your HSA dollars can grow over time, especially if you decide to
compound your funds. The amount you save depends on how you choose to use your HSA funds.

Building Your Nest Egg
 Funds in your HSA account will earn interest
over time.
 Once your balance reaches $2,000, you may
invest funds (in $100 increments) above that
level in a variety of HSA investment options with
varying levels of related risk and returns.

Health Savings Account Interest Rate Disclosure
HSA balances are initially invested in an FDIC insured interest-bearing account with HealthcareBank, a division
of Bell State Bank & Trust, as custodian for your HSA.

HealthcareBank uses the daily balance method to calculate interest on your HSA. This method applies a daily
periodic rate to the principal balance in your HSA each day.

The following interest rate and Annual Percentage Yield
(APY) apply and are effective as of November 1, 2015.
 Interest rates will be paid for the portion of
your daily balance within each tier.

 The interest rate and APY may change at
HealthcareBank’s discretion, at any time.

 Interest begins to accrue no later than the
business day HealthcareBank receives credit
in your HSA for the deposit of non-cash items
(for example, checks).

 Interest is compounded and credited to your
HSA monthly.

 If you close your HSA before interest is
credited, you will not receive the accrued
interest for that month.

Health Savings
Account Balance
Annual Percentage
Yield (APY)
Less than $2,000 0.05% 0.00% - 0.05%
$2,000 - $4,999.99 0.10% 0.05% - 0.08%
$5,000 - $9.999.99 0.25% 0.08% - 0.17%
$10,000 - $24,999.99 0.35% 0.17% - 0.28%
$25,000 or more 0.50% 0.28% - 0.50%

To find more information on interest rate and
HSA investment options, visit the TASC website
and click on the HSA Participant Guide.

HSA Investment Account
A unique aspect of an HSA is the ability to invest some of your savings, which may potentially increase the
value of your account for retirement. In order to invest your HSA funds, you must set up an HSA Investment
Account. See the HSA Participant Guide at https://partners.tasconline.com/ETFEmployee or your TASC Online
Tools & Resources for more details. Also see the next page for HSA Investment Option offerings.

If you do not elect to participate in the investment option, the funds will remain in your HSA earning interest at
the rate detailed above. For the most current rates and investment options, visit your TASC Online Account.
Mutual funds are not FDIC insured.

TASC Customer Care | Phone 844-786-3947 or 608-316-2408 | Email 1customercare@tasconline.com
Triple Tax Advantage
HSAs offer a triple tax advantage
by making the following tax free:
 Contributions
 Distributions
 Investment earnings
TASC complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex.
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Fund Name Category
Percentage Rate
Annual Percentage
Yield (APY)

Rate Effective
HealthcareBank Interest Bearing Account
FDIC Insured – Bank Guaranteed Cash Equivalent 0.20%

0.20% June 1, 2012
Fund Name

Mutual Fund Returns as of July 31, 2016
Symbol YTD 3 Year
5 Year
10 Year

James Balanced Golden Rainbow (Retail)*

Conservative Allocation GLRBX 3.00% 4.85% 6.24% 6.35% 0.97

TRowe Price Capital Appreciation Fund

Moderate Allocation PACLX 7.42% 10.39% 11.81% 8.58% 1.01

Ivy Asset Strategy (A)*

World Allocation WASAX -2.28% -1.05% 1.41% 5.59% 0.99

Vanguard 500 Index (Inv)*

Large Blend VFINX 7.58% 10.99% 13.21% 7.62% 0.16

American Funds Growth Fund of America

Large Growth GFAFX 4.60% 10.85% 12.37% 7.50% 0.70

Vanguard Mid Cap Index (Inv)*

Mid-Cap Blend VIMSX 8.23% 10.27% 12.21% 8.40% 0.20

JPMorgan Market Expansion Index (A)*

Mid-Cap Clend OMEAX 10.57% 9.67% 12.30% 8.51% 0.97

Neuberger Berman MidCap Growth

Mid-Cap Growth NMGAX 2.97% 7.78% 9.86% 8.23% 1.12

Vanguard Small Cap Blend Index (Inv)*

Small Blend NAESX 10.29% 8.25% 11.68% 8.51% 0.20

Vanguard Small Cap Growth Index (Inv)*

Small Growth VISGX 8.00% 6.91% 10.51% 9.05% 0.20

Northern Small Cap Value*

Small Value NOSGX 10.63% 7.93% 11.26% 7.18% 1.23

Vanguard Total International Stock Index

Foreign Large Blend VGTSX 4.46% 1.88% 1.70% 2.22% 0.19

American Funds Europacific Growth (F1)*

Foreign Large Growth AEGFX 2.57% 3.82% 3.62% 4.04% 0.86

Fidelity Advisor Diversified International

International FDVAX -0.72% 4.09% 4.83% 2.21% 1.22

Vanguard Emerging Market Stock Index

Diversified Emerging
Markets VEIEX 12.96% 0.26% -2.65% 3.74% 0.33

Vanguard Total World Stock Index (Inv)*

World Stock VTWSX 6.20% 6.10% 6.88% - 0.25

Nuveen Real Estate Securities (A)*

Real Estate FREAX 15.59% 14.26% 12.37% 8.10% 1.30

Templeton Global Bond (A)*

World Bond TPINX -1.19% -0.15% 0.94% 6.35% 0.91

Vanguard Intermediate Term Bond Index

Intermediate-Term Bond VBIIX 7.60% 5.08% 4.53% 6.20% 0.16

PIMCO Total Return (Adm)*

Intermediate-Term Bond PTRAX 4.87% 3.43% 3.41% 5.94% 0.72

Vanguard Total Bond Market Index (Inv)*

Core Bond VBMFX 6.15% 4.06% 3.42% 4.94% 0.16
Not FDIC Insured – No Bank Guarantee – May Lose Value – See TASC Online Account for Current Rates and Investment Options
*This bank acts solely as custodian with any mutual funds being offered and sold through a registered broker-dealer by prospectus only. Past performance of investments is no indication or assurance of
future performance. As with all investments, mutual funds involve risk. The investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original
cost. Read the prospectus carefully before you invest. Some funds have a redemption fee under certain circumstances.

HSA Investment Options