[Jill]

I just moved my HSA from Schwab to Fidelity, in kind, so the balance is 100% in SWPPX.

I plan to invest future contributions in probably FZROX .

Should I just keep what I currently have in the Schwab mutual fund, or liquidate it and purchase a Fidelity fund?

I know if I buy Schwab funds at Fidelity I would pay a fee, but I don’t think there is a fee to just maintain these funds now, is there?

What would you do?

[Amy]

Leaving the shares of SWPPX is fine. There would only be a fee to buy the fund.

Remember to turn off DRIP for SWPPX so dividends aren’t automatically reinvested.

[J.C.]

Are those monies inside of a tax sheltered account? If so you can freely move them between funds without any tax consequences.

[Sean]

Doesn’t make much difference. I’d probably sell and rebuy for simplicity but really no other benefit.

[Megan]

I’d be more included to buy an ETF vs a mutual fund. FZROX isn’t portable at all, so it wouldn’t be my choice

[Author]

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