Since you have "forced" diversification, you might as well just go with VITSX. You can say since this portfolio is "diversified" you can go harder on TSLA somewhere else.
well I have 4 other accounts that are mostly TSLA, 1 other account that is truly diversified but much smaller than the TSLA holdings.
It's just disappointing that I can't roll HSA funds into an account where I can load up on more TSLA.
How do I love TSLA? Let me count the ways
* main retail trading account 66% TSLA by value (bought and holding, not actively trading, but might buy more later)
* robinhood retail trading account I played around with and still have, 100% TSLA (bought and holding, not actively trading)
* rollover IRA 100% TSLA, no funds going into or out of this any time soon. (bought and holding, not actively trading)
* self directed account for current 401k - feeds off of my current employers 401k program (the self directed portion is 100% TSLA), this one continues to buy as funds pour in.
The HSA plan wants $3 a month to enable the investing portion so it won't make sense until I have a larger sum to play with there especially if it's limited to VITSX
The question is am I better off in the HSA with VITSX than using my post tax retail trading acount buying more TSLA? Especially with that $3 a month fee in play.
If diversity was the only goal I could just increase my 401k witholding instead of pumping some into the HSA. Not maxed out on 401k withholding because my employer doesn't match past the first few percent.
so those options now are
* HSA with VITSX and a $3 month fee for the account to stay active
* 401k with a healthy mix and I can put money into TSLA at will but there is no more matching at these levels
* retail trading account adding pure TSLA.