I often refer questions to Ed Slott's discussion board for IRA questions.
https://irahelp.com/phpBB
A login is required to ask questions. They are very responsive and helpful.
Received this from their forum today:

No. HSAs are not defined as retirement savings. HSAs are established under section 223 of the tax code which is not one of the sections included in the section 25B definition of a qualified retirement savings contribution.
HSAs and IRAs are never treated as one. An HSA is not an IRA despite some of the rules for HSAs referencing IRA rules.

I have a primer on HSA. I will update it once we have a firm confirmation of this.
https://ybbpersonalfinance.proboards.com/thread/258/hsa-health-savings-accounts

#SGML lithium etf 4x 5x by 2030

@MrRuffles,
My Insurance plan is a government subsidized (due to my low income) HDHP ($6500 deduction) plan and is an HSA qualified Plan. Not all HSA owners are upper income.
My question is pertinent to low income, young, healthy individuals who have an HSA as an option. The Saver's Credit is directed at the low income.

"The Bank of Canada hiked the key overnight rate by 75 basis points to 3.25 per cent on Wednesday, as it continued to aggressively raise rates to combat inflation."
https://financialpost.com/fp-finance/osfi-mortgage-stress-test

bee , here's what I'm looking at. After high sentiment in '90 & '08 the next two years were up as / S&P500. Will that hold this time around ? As you stated , probably more pain to come.
Guess I'll be upping my CD's after next rate hike.
Trying to enjoy the ride, Derf

@Orage
-Contributions are tax deductible much like a IRA,
-Has yearly contribution limits much like an IRA,
-Non-HSA withdrawals are treated like tax deferred withdrawal after age 65 much like a TIRA
-Oftened mentioned together with other retirement accounts:

Health Savings Accounts (HSAs) are very interesting from a tax perspective. Compared to well-known retirement account types (for example – 401k, IRA, Roth IRA, etc.)

can-hsa-retirement-account
Quacks like a duck..walks like a duck...

Why would you think it might? The link you provide shows the five types of contributions that are allowed and HSAs don't appear on that list.
• contributions you make to a traditional or Roth IRA,
• elective salary deferral contributions to a 401(k), 403(b), governmental 457(b), SARSEP, or SIMPLE plan,
• voluntary after-tax employee contributions made to a qualified retirement plan (including the federal Thrift Savings Plan) or 403(b) plan,
• contributions to a 501(c)(18)(D) plan, or
• contributions made to an ABLE account for which you are the designated beneficiary (beginning in 2018).

I charted Vanguard Wellesley (VWIAX) against the Total US Market (VTSMX) over the time frame 2008 - 2013. @Derf, be prepared to give your investment the time for the market to recover (5 years or longer). That said, I think we are at a point where more "pain" will impact the market (via the Fed). Bearish Market sentiment may stay high for a bit longer.
My short term money is in VWIAX (for spending today)...My long term money is in the equity Market (for future spending).

@carew388,
This company's stocks would have afforded you the sweet meat and the treatment (dental bill on those wisdom teeth). HSY has had a great 1Yr, 3 Yr, 5 Yr, 10 Yr, 15 Yr returns.
https://morningstar.com/stocks/xnys/hsy/chart

For the week ending on 9/7/22, Bearish remained the top sentiment (53.3%; very high) & bullish remained the bottom sentiment (18.1%; very low); neutral remained the middle sentiment (28.7%; below average); Bull-Bear Spread was -35.2% (very low). Investor concerns: Recession; inflation; supply-chain disruptions; the Fed; market volatility (VIX, VXN, MOVE); Russia-Ukraine war (28+ weeks); geopolitical. For the Survey week (Thursday-Wednesday), stocks were mixed (in spite of a big improvement on Wednesday), bonds down, oil down sharply (again), gold flat, dollar up. #AAII #Sentiment #Markets
https://ybbpersonalfinance.proboards.com/thread/141/aaii-sentiment-survey-weekly?page=7&scrollTo=771
Bearish sentiment has been very high in 2022 (Twitter LINK) as this bar chart of the annual average of bearish sentiment (YTD to 9/3/22) shows https://pbs.twimg.com/media/Fbw77yWX0AAfcjg?format=png&name=900x900

I disagree a bit with the above analysis. ISTM what we’re witnessing with the reputed demise of the 60/40 is more of an abnormality - a “transitory” condition (to borrow a phrase). But that’s only my best guess. Further, I’ll side with Twain on the question: “Reports of my death are greatly exaggerated.”
This writer provides a lot of thoughtful analysis in the “free” version of his commentary, while hoping you’ll subscribe to the paid edition. I’m saddened to hear TR hasn’t performed well. Really enjoyed those things when I was about 5.
“The sad truth is that Tootsie Roll’s business hasn’t done very well in recent years. It’s been mostly flat. The company has issued 3% stock dividends each year for the last several years. (That’s effectively a 103-to-100 stock split.)”
I’m thinking demographics have a lot to do with the problem. I don’t see many of my acquaintances in the 75-90 year age group munching on tootsie rolls. In fact, if missing some teeth it seems to me they would be hard to chew. Might choke on one.

Dunno. I added about 5 more trackers this morning. Figure if 2 agree on something it’s probably about right. Agree there are different reporting periods. And some aren’t up to date. Still, the difference here is concerning. Fido is great on mutual funds. I trust their numbers. But they don’t seem to have much performance history on ETFs.
Thanks @rsorden / @Mark for the extra digging!

The late summer stall is now turning into something substantial. In 14 trading days, the S&P 500 has given back 9.22% which is more than half of what it gained in the previous two months. As I’ve said, all bear market rallies should be assumed to be phony until proven otherwise.
The big battle on Wall Street right now is for what the Fed will do at its meeting later this month. Some traders expect a 0.5% rate hike while others think it will be 0.75%. Thanks to Powell’s “pain” comment in Jackson Hole, the 0.75% crowd has the upper hand. Still, the jobs report gave the 0.5% hike faithful some ammo. My take is that we should listen to Powell. There’s going to be more pain ahead.
The 60/40 Portfolio?
The culprit isn’t hard to find. It’s inflation. Inflation acts like kryptonite to financial markets. This means that the two elements of the 60/40 portfolio aren’t balancing each other out. Both are down. Higher prices have caused bonds to fall. Plus, the Fed’s response to inflation has led stocks to fall.

cws-market-review-september-6-2022

All are probably for different reporting periods...
Yahoo 7.27% is 1 year thru 3/31
M* -9.5% is correct
Fund site -8.74% is thru 6/30

good call. wow. ... wtf, right? marketwatch shows 1-year down -9.5%. matches morningstar.
the fund family's own webpage shows the fund is down for 1-year by -8.74%.
https://www.permanentportfoliofunds.com/permanent-portfolio.html

No idea. FWIW the WSJ, Barron's and MarketWatch all show -8.95% 1-yr return.

How can the reported results for PRPFX for 1 year be so radically different?
CNBC -5.73% 1 year
Yahoo +7.27% 1 year
M* -9.50% 1 year

Lana'i is PRIVATELY owned by ..... Larry Ellison.
"As of 2012, the island was 98% owned by Larry Ellison, co-founder and chairman of Oracle Corporation; the remaining 2% is owned by the state of Hawaii or is privately owned homes. Lanai is a roughly apostrophe-shaped island with a width of 18 miles (29 km) in the longest direction."
Ni'ihau:
"Niihau is the only place left in the world where the predominant language is Hawaiian. About 250 natives live on the 73-square-mile island, most working on the Robinsons' cattle and sheep ranch. Guns, alcohol and cigarettes are forbidden. There is no doctor, no jail, no paved roads."
Kahoolawe:
"Why is no one allowed on Kahoolawe?
Access to the Reserve (the island and the 2 miles of ocean surrounding Kaho'olawe) is restricted because of the continued danger of unexploded ordnance. Access to the Reserve is permitted only with authorization of KIRC for specific purposes, such as restoration, education, and culture."
@Old_Joe: your suggestion is certainly conceivable. Maybe a nightmare to try to implement. There was a huge protest about erecting the new and improved telescope up on Mauna Kea, lasting YEARS. How many other "sacred" native Hawaiian locations might be invented, or uncovered?
I've not visited the other islands, but there's a big wind-farm on the way up to the North Shore of Oahu. And Oahu is about 600 square miles in size. That's about the same size as Zanzibar.