PSUEngineer asks,Is waiting to December the best choice? You would only need to earn about 1.5% on your initial $4300 contribution to exceed the fees for the year.The money is already invested. I'll just be moving it from my taxable account to the HSA where I'll buy the same fund, but incur additional fees. By waiting until Dec 2014, the fee for 2014 drops from $66 to $2.50.intercst
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