bphaedrus wrote:Interesting. Any reason not to invest with VTI (rather than VTSAX) to save the extra $10 fee?
According to Saturna's commission schedule (http://www.saturna.com/sbs/commsch.shtml), the inactive account fee is $25 for an account holding equities and ETFs, $12.50 for accounts holding only mutual funds and zero for accounts holding everything in cash or MM. If you plan to drop the HDHP at some point, it can be cheaper to pay higher commission in exchange for a lower maintenance fee.
I confirmed with Saturna customer service that holding a Vanguard ETF would result in the higher $25 inactivity fee.