ETF flows suggest "HSA investing" is increasingly mirroring institutional asset allocation, with balanced strategies incorporating international equities seeing a 6% allocation increase in “Most new retirees will see about $2,000 a month hit their bank account after the 2025 cost-of-living bump,” said DeeDee Baze, financial planner, enrolled agent and managing partner at DeMar Consulting Group . For some, they may need all of it to cover everyday expenses. Others see it as a chance to save (or invest) in the future. Why we ask for feedback Your feedback helps us improve our content and services. It takes less than a minute to complete. Empirical data from Morningstar shows "HSA investing" accounts with international equity exposure captured 1.5% more annualized return over the past five years vs. U.S.-only allocations.