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Opening and Managing a Basic Investment Account

This page provides information about basic investment accounts and provides information about opening and managing a basic investment account.

Basic Investment Account (VEBA and HSA)

The Basic Investment Account is available to members who hold a voluntary employees beneficiary association account (VEBA) or health savings account (HSA). At least $1,000 must be kept in the base balance of the HSA account. Any money in the account over the $1000 mark can be invested.

You have the option to invest your money in a pre-selected suite of over 30 mutual funds. You choose which fund or funds to invest in. The funds are traded through the Schwab mutual fund platform.

Any investment comes with risk and may involve the loss of principle.

Research Tools

Each of Further’s investment options and their Morningstar report can be viewed online at the Fund Performance Dashboard.

There are also several research tools available on the Planning Tools section of the Investment Site.  See Using the Investment Site for more information about these tools.

Opening a basic investment account

Follow the process below to open a basic investment account from your HSA or VEBA account.

Step 1: Make the initial investment transfer

  1. Sign in at www.hellofurther.com.
  2. In the My Accounts section, locate your HSA in your list of accounts.
  3. Click View Account.
  4. Locate the Investments section of the account page by scrolling past the Recent Activity section.
  5. In the _Investments_ section, click Open an investment account. The _Request a Transfer_ screen will be displayed.
  6. In the Amount to invest field, enter the amount you’d like to invest today.
    NOTE: This amount invested can’t be more than the amount you have available to invest.
  7. (Optional) In the Percentage of future contributions to invest field, enter the percentage of your future contributions to this medical spending account that you want automatically transferred to your Basic Investment account.
  8. Agree to the terms and conditions and click Submit.

Step 2: Enroll in the Basic Investment program

  1. Sign in at www.hellofurther.com.
  2. In the My Accounts section, locate your HSA in your list of accounts.
  3. Click View Account.
  4. Locate the Investments section of the account page by scrolling past the Recent Activity section.
  5. Click Visit Investment Site.
  6. On the Welcome to Online Enrollment page, click Step 1 My eDelivery.
  7. On the My eDelivery page, click Update Email and register your email address.
  8. Choose your desired statement delivery option and click Next.
  9. On the My Information page, review your personal information, and make any necessary updates.
  10. Click Next.
  11. On the My Investments page, enter the desired investment percentage in the New Percent column of each investment you choose. The total percentage in the New Percent column must add up to 100.
  12. Click Next.
  13. If you already have a balance, the Change/Realign My Existing Account Balance page will be displayed. Make any changes to your investment alignment and click Next.
  14. In the Online Enrollment Summary page, verify your selections, and click Enroll Me.

Viewing your investment on the Investment Site

  1. Sign in at www.hellofurther.com.
  2. In the My Accounts section, locate your HSA in your list of accounts.
  3. Click View Account.
  4. Locate the Investments section of the account page by scrolling past the Recent Activity section.
  5. Click Visit Investment Site.

Automatically investing a percentage of contributions to your HSA or VEBA

Set the percentage of future contributions that are automatically transfered to your investment account by entering the desired percentage on the “Amount to invest” line.

  1. Sign in at www.hellofurther.com.
  2. In the My Accounts section, locate your HSA in your list of accounts.
  3. Click View Account.
  4. Locate the Investments section of the account page by scrolling past the Recent Activity section.
  5. Click Transfer funds to investment.
  6. In the Amount to invest field, enter the amount you’d like to invest today.
  7. In the Percentage of future contributions to invest field, enter the percentage of your future contributions to this medical spending account that you want automatically transferred to your Basic Investment account.
  8. Agree to the terms and conditions and click Submit.

Using the Investment Site

Learn more about using the Investment Site by visiting HSA Investment Website Resources & Tutorials.

The following video tutorials are available and cover the following topics for managing your investment with the tools on the Investment Site:

  • Investment Portal Overview - A brief overview of the Further investment portal.
  • Fund Performance Dashboard - View the Fund Performance Dashboard, which provides historical mutual fund return and fee information for the investment options available through the investment account. Links are also provided to mutual fund resources like the prospectus, fact sheet, and Morningstar® page.
  • Set Future Investment Elections - Learn how to set your investment allocations for future dollars that are contributed to your HSA investment account.
  • Realign HSA Investments - Learn to re-allocate your investment holdings.
  • Transfer Between Investments - Learn to move between mutual fund holdings in your investment account, by dollar amount, dollar to percent or percent to percent.
  • Transfer Back to Base Account - Learn how to move money from your HSA investment account back to your base HSA account.
  • HSA Asset Allocation Tool - The HSA Asset Allocation Calculator can be used to help determine your HSA mutual fund asset allocation.