EQTY
Kovitz Core Equity ETF
stock NYSE ETF

Hello folks.
New poster here. I want to say, I've been lurking here since I was a medical resident (now just started year 2 in practice as a physician as a 34 year old). My employer offers an HSA, which I took, as they offer contributions into it. As an aside, if needed, I max out my 401K and have already maxed out the available years of Roth IRA I had as a medical resident (3 years).
Now, I have reached around 8K in the HSA, meaning I can invest it - however it is through OPTUM... And I have read it does NOT have the best options when it comes to investments. My ROTH IRA (from residency) and personal stock Boglehead's account is through Fidelity.
With OPTUM - I have the following relevant fees: $20 per out-bound transfer to another HSA (such as Fidelity), and a 0.03% fee on average daily investment balance (not to exceed 10.00 in any given month).
The following are the options given for investments, with percentages being allowed to allocate as you please to a 100%.
My main question for you all is - is investing through OPTUM worth it, or is biting the $20 fee something I should do? I have done some research here and on the Fidelity subreddit about trying to avoid the fee via having Fidelity be the one to initiate the transfers - BUT it seems OPTUM caught up to this and is now charging a fee either way.

Thanks again!
Investment List
* Allspring Special Mid Cap Value
* American Funds Capital World Gr&Inc R6
* American Funds Europacific Growth R6
* American Funds New World R6
* BlackRock Equity Dividend K
* BLACKROCK MID CAP GWTH EQTY PORT K
* Brandes International Equity
* Cohen & Steers Real Estate Securities
* Invesco Shrt-Trm Inv Treasury
* ISHARES MSCI EAFE INTL IDX K
* iShares Russell Midcap Index
* iShares Russell Small Cap Idx
* iShares S&P 500 Index
* ISHARES US AGGREGATE BOND INDEX K
* Lord Abbett Short Duration Income F3
* Neuberger Genesis Instl
* PGIM HIGH YIELD R6
* PGIM TOTAL RETURN BOND R6
* PIMCO GNMA & Government Securities INST
* PIMCO Real Return I
* PUTNAM DYNAMIC ASSET ALLOCATION BAL R6
* PUTNAM DYNAMIC ASSET ALLOCATION CNSRV R6
* PUTNAM DYNAMIC ASSET ALLOCATION GR R6
* PUTNAM LARGE CAP GROWTH R6
* T ROWE PRICE RETIREMENT 2005 FUND INV†
* T ROWE PRICE RETIREMENT 2010 FUND INV†
* T ROWE PRICE RETIREMENT 2015 FUND INV†
* T ROWE PRICE RETIREMENT 2020 FUND INV†
* T ROWE PRICE RETIREMENT 2025 FUND INV†
* T ROWE PRICE RETIREMENT 2030 FUND INV†
* T ROWE PRICE RETIREMENT 2035 FUND INV†
* T ROWE PRICE RETIREMENT 2040 FUND INV†
* T ROWE PRICE RETIREMENT 2045 FUND INV†
* T ROWE PRICE RETIREMENT 2050 FUND INV†
* T ROWE PRICE RETIREMENT 2055 FUND INV†
* T ROWE PRICE RETIREMENT 2060 FD INV†
* T. ROWE PRICE RETIREMENT 2065†
* Undiscovered Managers Behavioral

Hello folks.
New poster here. I want to say, I've been lurking here since I was a medical resident (now just started year 2 in practice as a physician as a 34 year old). My employer offers an HSA, which I took, as they offer contributions into it. As an aside, if needed, I max out my 401K and have already maxed out the available years of Roth IRA I had as a medical resident (3 years).
Now, I have reached around 8K in the HSA, meaning I can invest it - however it is through OPTUM... And I have read it does NOT have the best options when it comes to investments. My ROTH IRA (from residency) and personal stock Boglehead's account is through Fidelity.
With OPTUM - I have the following relevant fees: $20 per out-bound transfer to another HSA (such as Fidelity), and a 0.03% fee on average daily investment balance (not to exceed 10.00 in any given month).
The following are the options given for investments, with percentages being allowed to allocate as you please to a 100%.
My main question for you all is - is investing through OPTUM worth it, or is biting the $20 fee something I should do? I have done some research here and on the Fidelity subreddit about trying to avoid the fee via having Fidelity be the one to initiate the transfers - BUT it seems OPTUM caught up to this and is now charging a fee either way.

Thanks again!
Investment List
* Allspring Special Mid Cap Value
* American Funds Capital World Gr&Inc R6
* American Funds Europacific Growth R6
* American Funds New World R6
* BlackRock Equity Dividend K
* BLACKROCK MID CAP GWTH EQTY PORT K
* Brandes International Equity
* Cohen & Steers Real Estate Securities
* Invesco Shrt-Trm Inv Treasury
* ISHARES MSCI EAFE INTL IDX K
* iShares Russell Midcap Index
* iShares Russell Small Cap Idx
* iShares S&P 500 Index
* ISHARES US AGGREGATE BOND INDEX K
* Lord Abbett Short Duration Income F3
* Neuberger Genesis Instl
* PGIM HIGH YIELD R6
* PGIM TOTAL RETURN BOND R6
* PIMCO GNMA & Government Securities INST
* PIMCO Real Return I
* PUTNAM DYNAMIC ASSET ALLOCATION BAL R6
* PUTNAM DYNAMIC ASSET ALLOCATION CNSRV R6
* PUTNAM DYNAMIC ASSET ALLOCATION GR R6
* PUTNAM LARGE CAP GROWTH R6
* T ROWE PRICE RETIREMENT 2005 FUND INV†
* T ROWE PRICE RETIREMENT 2010 FUND INV†
* T ROWE PRICE RETIREMENT 2015 FUND INV†
* T ROWE PRICE RETIREMENT 2020 FUND INV†
* T ROWE PRICE RETIREMENT 2025 FUND INV†
* T ROWE PRICE RETIREMENT 2030 FUND INV†
* T ROWE PRICE RETIREMENT 2035 FUND INV†
* T ROWE PRICE RETIREMENT 2040 FUND INV†
* T ROWE PRICE RETIREMENT 2045 FUND INV†
* T ROWE PRICE RETIREMENT 2050 FUND INV†
* T ROWE PRICE RETIREMENT 2055 FUND INV†
* T ROWE PRICE RETIREMENT 2060 FD INV†
* T. ROWE PRICE RETIREMENT 2065†
* Undiscovered Managers Behavioral