mutual fund 怎么选

HSA 投资， 选哪个mutual fund好？

                                             fee            1 year  5 year  10 year  Life    VWIAX VANGUARD WELLESLEY INCOME ADMIRAL CONSERVATIVE ALLOCATION 0.16% Yes -5.07% 5.43% 6.16% 6.64%     VFTAX VANGUARD FTSE SOCIAL INDEX ADMIRAL LARGE BLEND 0.14% No -9.45% 13.13% 14.92% 14.74%     VTABX VANGUARD TOTAL INTL BD IDX ADMIRAL GLOBAL BOND-USD HEDGED 0.11% No -8.42% 1.42% N/A 2.41%     VMIAX VANGUARD MATERIALS INDEX ADMIRAL NATURAL RESOURCES 0.1% No -4.86% 8.82% 10.47% 8.8%     VGSNX VANGUARD REAL ESTATE INDEX INSTITUTIONAL REAL ESTATE 0.1% No -4.35% 7.23% 8.19% 8.97%     VEMIX VANGUARD EMERGING MKTS STOCK IDX INSTL DIVERSIFIED EMERGING MKTS 0.1% No -16.56% 1.89% 3.11% 6.49%     VTHRX VANGUARD TARGET RETIREMENT 2030 FUND TARGET-DATE 2030 0.08% Yes -9.94% 6.23% 8.15% 6.5%     VTTHX VANGUARD TARGET RETIREMENT 2035 FUND TARGET-DATE 2035 0.08% Yes -10.06% 6.73% 8.78% 7.26%     VTWNX VANGUARD TARGET RETIREMENT 2020 FUND TARGET-DATE 2020 0.08% Yes -8.52% 5.25% 6.86% 5.99%     VTINX VANGUARD TARGET RETIREMENT INCOME FUND TARGET-DATE RETIREMENT 0.08% Yes -7.62% 3.92% 4.39% 4.95%     VTTVX VANGUARD TARGET RETIREMENT 2025 FUND TARGET-DATE 2025 0.08% Yes -9.56% 5.75% 7.53% 6.54%     VFORX VANGUARD TARGET RETIREMENT 2040 FUND TARGET-DATE 2040 0.08% Yes -10.19% 7.22% 9.28% 7.07%     VTIVX VANGUARD TARGET RETIREMENT 2045 FUND TARGET-DATE 2045 0.08% Yes -10.35% 7.66% 9.56% 7.83%     VFIFX VANGUARD TARGET RETIREMENT 2050 FUND TARGET-DATE 2050 0.08% Yes -10.41% 7.69% 9.57% 7.27%     VFFVX VANGUARD TARGET RETIREMENT 2055 FUND TARGET DATE 2051+ 0.08% Yes -10.39% 7.68% 9.55% 9.7%     VTTSX VANGUARD TARGET RETIREMENT 2060 FUND TARGET-DATE 2060 0.08% Yes -10.41% 7.68% 9.55% 9.4%     VLXVX VANGUARD TARGET RETIREMENT 2065 FUND TARGET-DATE 2065+ 0.08% Yes -10.34% 7.67% N/A 7.91%     VTPSX VANGUARD TOTAL INTL STOCK IDX INSTLPLS FOREIGN LARGE BLEND 0.07% No -14.84% 2.8% 5.54% 4.41%     VIPIX VANGUARD INFLATION-PROTECTED SECS I INFLATION-PROTECTED BOND 0.07% Yes -3.4% 3.91% 1.92% 4%     VMVAX VANGUARD MID-CAP VALUE INDEX ADMIRAL MID-CAP VALUE 0.07% No 0.66% 8.33% 12.05% 12.69%     VBIRX VANGUARD SHORT-TERM BOND INDEX ADM SHORT-TERM BOND 0.07% No -4.66% 1.15% 1.15% 2.55%     VSIAX VANGUARD SMALL CAP VALUE INDEX ADMIRAL SMALL VALUE 0.07% No -1.83% 7.95% 11.57% 12.42%     VTAPX VANGUARD SHRT-TERM INFL-PROT SEC IDX ADM INFLATION-PROTECTED BOND 0.06% No 1.51% 3.24% N/A 1.72%     VSMAX VANGUARD SMALL CAP INDEX ADM SMALL BLEND 0.05% No -11.1% 8.81% 11.65% 9.04%     VVIAX VANGUARD VALUE INDEX ADM LARGE VALUE 0.05% No 2.21% 9.99% 12.2% 7.09%     VEMPX VANGUARD EXTENDED MARKET INDEX INSTLPLUS MID-CAP GROWTH 0.04% No -21.77% 8.31% 11.5% 9.99%     VIGIX VANGUARD GROWTH INDEX INSTITUTIONAL LARGE GROWTH 0.04% No -14.42% 15.15% 15.15% 8.08%     VBMPX VANGUARD TOTAL BOND MARKET IDX INSTLPLS INTERMEDIATE-TERM BOND 0.03% No -9.4% 1.25% 1.6% 2.58%     VIIIX VANGUARD INST INDEX INSTL PLUS LARGE BLEND 0.02% No -4.67% 12.82% 13.79% 8.24%

还是应该保持现金？

选你熟悉的组合

我会买 VIIIX，最后那个。

VFIAX

应该投这个，但是，我没有看到在楼主的单子上。

我同意你的那个看起来合适，但是懒得去求证，所以只好用我熟悉的。

多谢VOO和VFIAX选一个，哪个好？有人说VOO没有fee，税务上更好？

还是ETF更好？前面我说的没有fee，税上更好可能是指ETF。在fidelity的hsa帐号，买哪种最好？

VOO是ETF， 不是mutual fund

我的HSA买的是VOO和几个个股

Yes, if there is ETF, pick the ETF