To those of you who invest excess HSA funds, what do you normally buy?

I’m considering just VTI or VOO. Theoretically I won’t need these until retirement related medical expenses. Should I be concerned about unforeseen medical emergencies?

For reference, I just transferred by HSA balance that’s been piling up into a new brokerage account. It’s about $3,000, and I left $200 in my HSA account associate with the debit card. I’m 27 and incur basically no medical expenses.

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Mine is all FZROX at fidelity. Basically equivalent to VTI.

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