<prompt> Human: Hello PF. 27M here. I have had an HSA from my employer that I have been maxing out for the last several years and has over 10,000 in cash. I have the option to invest up to 90 of it in the following funds as offered through Bank of Americas portal. These are:COLUMBIA SMALL CAP VALUE II ACOLUMBIA MID CAP GROWTH ACOLUMBIA CAPITAL MOD AGRSV ACOLUMBIA GLOBAL STRATEGIC EQ ACOLUMBIA CAPITAL CONSERV ACOLUMBIA US TREASURY INDEX APIMCO TOTAL RETURN LPIMCO LOW DURATION LAMERICAN FUNDS CAPWLD GI -FBLACKROCK EQUITY DIVIDEND IBLACKROCK FLEXIBLE EQ FD - INSCOLUMBIA SMALL CAP INDEX ACOLUMBIA MID CAP INDEXFEDERATED KAUFMANN SMALL CAPINVESCO MID CAP GRJHANCOCK FDNTL LARGE CAP COREMAAY LARGE CAP GROWTH AMAAY HIGH YIELD CORP BONDOPPENHEIMER MAIN ST MID CAP FDTHORNBURG INTERNATIONAL VAL ANEUBERGER BERMAN REAL ESTATEOPPENHEIMER DEVELOPING MARKETSPIMCO COMMODITY REAL RETURNVANGUARD 500 INDEX INVVANGUARD INFLATION-PROTECTED SVANGUARD TOTAL INTL STK INDEXI am considering investing 5000 now and 5000 each time my account rises to 10,000 cash assets which given my current good health should be about every 1.5 to 2 years. My questions:Should I even invest any of my HSA?Is 5000 in cash reserve a prudent figure? my deductible is 3500 BTWHow should I divide my 5k between my options above?Thanks!  <response>: Check the funds for loads commissions paid up front, you want no-load mutual funds, and also compare the expense ratios. Stick with index passive funds instead of active managed funds. 