Some Background :
After a decade+ of paying high premiums via employee sponsored healthcare plans, for past 6 years, I am selecting high deductible health care plan and moving premium payment to HSA account. This part is good however when I checked account, bank is paying mere 0.2% on balance. With 30K+, Similar to IRA, I felt laziness is not an option. My objective is make ~ 4% return. So during July first week, I moved 60% of account balance in to the following four funds evenly. I picked based on morning star ratings/dividend payout history etc.
Following chart shows how Portfolio fared over last two quarters of 2018.
Thinking back, I made few mistakes
1) Moving entire amount in one go.
2) Not realizing some profit after reaching 5%+ returns
3) During December, not adding some more cash.
Only saving graces is all monthly contribution amount $500 is going to the funds regularly.
Bottom-line, even with quality funds, my HAS Portfolio total return was -12%. Disappointed however I don’t want to make any changes for now.
With 6 weeks of market gains, my account will reach break-even very soon. Continue with monthly contributions and If a fund is returns 5%+, realize some profits. Regularly contribute additional $ when indexes drop heavily i.e. -500+. Will update this post with any changes to this portfolio.