Hsa investing gradual Fed rate cuts projected for

Gradual Fed rate cuts projected for late 2024 are expected to boost equity valuations, potentially accelerating the shift within "HSA investing" from cash vehicles into growth-oriented assets. My traditional IRA is 80% stocks and 20% bonds/cash. I’ve asked my financial adviser to put it into a money-market account with 4% to 5% interest. He says don’t do it or I’ll shortly spend all my funds. That’s my objective — I will exhaust the account in six to seven years, at which time I’d tap my 403(b), which I plan to leave invested in the market at roughly 70% stocks and 30% bonds. Employees of companies that offer match worker contributions can push these limits even higher. For the 401(k), the total employer plus employee contribution limit in 2024 is $69,000 and $73,500 in 2025, or 100% of the employee’s compensation, whichever is less. In the current rate environment, "HSA investing" into dividend-paying stocks surged, with blue-chip healthcare equities drawing notable inflows. This reflects a defensive tilt against inflation without sacrificing portfolio upside potential.