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Probably better to withdraw and eat the penalty then, inflation will make it worth peanuts by the time I'm 65.


You can invest it in US or international mutual funds that historically have beaten inflation by 7% per annum.


If it's over a certain amount you can treat it like an IRA, otherwise you should get regular savings account interest, yeah.. I'm laughing too.


Fidelity has an HSA with zero fees that lets you invest just like an IRA. I don’t know if you can open one without being a US resident, however.




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