{"id":31052,"date":"2026-10-19T08:13:39","date_gmt":"2026-10-19T08:13:39","guid":{"rendered":"https:\/\/ark7.com\/blog\/?p=31052"},"modified":"2026-10-20T08:43:17","modified_gmt":"2026-10-20T08:43:17","slug":"online-investing-platforms-hsa-investing","status":"publish","type":"post","link":"https:\/\/ark7.com\/blog\/learn\/in-depth\/real-estate-investing\/online-investing-platforms-hsa-investing\/","title":{"rendered":"8 Best Online Investing Platforms for HSA Investing in 2026"},"content":{"rendered":"\n

Choosing an HSA investment platform in 2026 means weighing fees, cash thresholds, investment menus, and whether you want to complement your HSA with taxable income-producing assets once contribution limits are reached. This guide covers Ark7, Fidelity, HSA Bank, HealthEquity, Optum Bank, Lively, Charles Schwab, and Betterment: what each offers, what it costs, and where each fits in a broader plan.<\/p>\n\n\n\n

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  1. Ark7<\/strong> – fractional ownership platform<\/a> for individual rental properties with monthly distributions<\/li>\n\n\n\n
  2. Fidelity<\/strong> – brokerage-based HSA with no account fees and $1 fractional-share investing<\/li>\n\n\n\n
  3. HSA Bank<\/strong> – HSA with three tiered brokerage options: Choice, Select, and Managed<\/li>\n\n\n\n
  4. HealthEquity<\/strong> – HSA investment sub-account that activates once a cash threshold is met<\/li>\n\n\n\n
  5. Optum Bank<\/strong> – HSA investing that opens after a $2,000 cash threshold is reached<\/li>\n\n\n\n
  6. Lively<\/strong> – HSA paired with a self-directed Schwab brokerage account<\/li>\n\n\n\n
  7. Charles Schwab<\/strong> – full-service brokerage offering self-directed, automated, and advisor-managed investing<\/li>\n\n\n\n
  8. Betterment<\/strong> – automated investing platform with tiered digital and premium pricing<\/li>\n<\/ol>\n\n\n\n
    Platform<\/th>Minimum Investment<\/th>Income \/ Return Distribution<\/th>Asset Class \/ Product Type<\/th><\/tr><\/thead>
    Ark7<\/td>$20 per share<\/td>Monthly rental distributions paid directly to investor account<\/td>Fractional rental real estate shares<\/td><\/tr>
    Fidelity<\/td>$1 (fractional shares in US stocks\/ETFs)<\/td>Not published<\/td>Stocks, fractional shares, bonds, ETFs, mutual funds, crypto, HSA investing<\/td><\/tr>
    HSA Bank<\/td>Minimum cash balance required (amount not published)<\/td>Not published<\/td>HSA cash + brokerage (stocks, mutual funds, ETFs, other investments)<\/td><\/tr>
    HealthEquity<\/td>Investment threshold required (amount not published)<\/td>Not published<\/td>HSA cash + investment sub-account + brokerage (above threshold)<\/td><\/tr>
    Optum Bank<\/td>$2,000 threshold + $100 before first investment<\/td>Not published<\/td>HSA cash + investments (above $2,000 threshold)<\/td><\/tr>
    Lively<\/td>$3,000 cash balance to avoid $24\/yr brokerage fee<\/td>Not published<\/td>HSA cash + self-directed Schwab brokerage<\/td><\/tr>
    Charles Schwab<\/td>Not published<\/td>Not published<\/td>Stocks, ETFs, mutual funds, futures, OTC equities, brokerage\/banking\/advisory<\/td><\/tr>
    Betterment<\/td>$0 (Digital); $100,000 (Premium)<\/td>Not published<\/td>Automated ETF portfolios, cash accounts, retirement accounts, 401(k) plans<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Here is what each of these platforms actually does, how the fees compare, and where a rental-income platform like Ark7 fits into an HSA-holder’s broader investing picture.<\/p>\n\n\n\n

    HSA Balances Are Growing Fast, and So Is the Pressure to Invest Them<\/h2>\n\n\n\n

    HSA balances are no longer just a place to park money for a doctor’s visit. At year-end 2025, HSAs held nearly $174 billion<\/a> across 41.7 million accounts<\/a>, and the investment side of that market is expanding even faster than the deposit side.<\/p>\n\n\n\n

    Investment assets inside HSAs rose to $85 billion, up 33%<\/a> year over year, about 74% faster than the 19% growth in total HSA assets.<\/p>\n\n\n\n

    The behavioral shift toward HSA investing shows up in the numbers, too. PSCA’s 2025 survey, which tracks 2024 trends, reported that 20% of HSA participants<\/a> invested at least part of their HSA savings, up from 18% in the prior survey. Yet picking a platform is not simple: fees, minimums, and investment menus vary widely from one HSA custodian to the next. A growing number of HSA holders also look beyond their HSA once contribution limits are maxed out, often toward taxable platforms like Ark7<\/a>, which offers fractional rental property shares<\/a> starting at $20. This guide compares the platforms that matter for HSA investing in 2026 and where a complementary real estate platform fits into the picture.<\/p>\n\n\n\n

    HSA investing<\/strong> means directing health savings account balances beyond a required cash threshold into securities such as mutual funds, ETFs, or stocks, so the balance compounds tax-free. Investment assets inside HSAs reached $85 billion in 2025, up 33% year over year, as more account holders moved idle cash into growth-oriented positions.<\/p>\n\n\n\n

    Key Takeaways<\/h2>\n\n\n\n