Do I need to keep a minimum cash balance before investing?

No. You can invest even with a cash balance of $0 in your non-investment Lively account. Our goal is to ensure that you have the flexibility to use your HSA funds in the best way that you see fit (not the best way we see fit). If you want to invest all of your funds, you should be able to. Please be sure to consult with an investment professional when making these decisions. Investments carry risk. 

If you do want to invest all of your funds, please be mindful of two things:

1. Any transaction with your debit card will not go through (it will pull funds from your non-investment cash account). 
2. Reimbursements will not be processed until there are enough funds in your non-investment cash account to cover such reimbursement.

The above being said, it is easy to move funds from your investment account back into your Lively cash account. Simple log into your account, go to "Investments” and select “Withdraw funds” to schedule it. Depending on your investments, the transfer may take 2-5 business days to be finalized.