Interesting comment! History has shown that most (if not all) efficient market "anomalies" (e.g., factor investing) are soon arbitraged away and stop working once everyone finds out about them. AI says this is called "alpha decay" ("factor decay" in factor investing). Efficient markets quickly adapt to new information - I suspect it will be no different with AI-discovered anomalies. AI should make markets even more efficient - more reason to index!
Excellent summary, Bogdan! Mr. Quinn is right, it's certainly no panacea for the health insurance challenges many face, but it can be a great tool. I'm 71 and still have a nice HSA balance that I dip into frequently for the infrequent OOP costs I face with traditional Medicare (like hearing aids, dental, etc.). I invested my HSA as Bogdan suggests, and it paid off pretty well. The triple tax advantaged attribute makes it the best tax shelter going. I guess, like many things in life, HDHPs/HSAs work best for those with enough resources to weather the occasional rough seas. Have that Emergency Fund, folks!!
Comments
Interesting comment! History has shown that most (if not all) efficient market "anomalies" (e.g., factor investing) are soon arbitraged away and stop working once everyone finds out about them. AI says this is called "alpha decay" ("factor decay" in factor investing). Efficient markets quickly adapt to new information - I suspect it will be no different with AI-discovered anomalies. AI should make markets even more efficient - more reason to index!
Post: Market Indicators
Link to comment from July 25, 2026
Re: your $1k catch-up, yes, you can. Open an HSA with, say, Fidelity (a pretty good option) and contribute there.
Post: HSA Tips
Link to comment from March 1, 2026
Excellent summary, Bogdan! Mr. Quinn is right, it's certainly no panacea for the health insurance challenges many face, but it can be a great tool. I'm 71 and still have a nice HSA balance that I dip into frequently for the infrequent OOP costs I face with traditional Medicare (like hearing aids, dental, etc.). I invested my HSA as Bogdan suggests, and it paid off pretty well. The triple tax advantaged attribute makes it the best tax shelter going. I guess, like many things in life, HDHPs/HSAs work best for those with enough resources to weather the occasional rough seas. Have that Emergency Fund, folks!!
Post: HSA Tips
Link to comment from February 28, 2026
Thank you for the article! Can you please expand on the "Roth IRA play" you reference? Are conversions also pro-rata? TIA
Post: Trump Account
Link to comment from February 21, 2026