Your HealthSavings HSA is not subject to Blue Prairie Group’s (BPG) normal minimum investment requirements.
Our risk-based model portfolios are built using low cost funds from leading fund families like BlackRock, Dimensional, Pimco and Vanguard®. Based on your risk tolerance, we allocate between foreign and domestic equity, real assets, alternative strategies and foreign and domestic fixed income to help you achieve your specific investment objectives.
The BPG Conservative Model Portfolio is designed for investors who seek safety of principal. The portfolio consists of 22% equity, 9% real assets, 20% alternatives and 49% fixed income. View returns/fact sheet.
||The BPG Moderate Conservative Model Portfolio is designed for investors who seek safety of principal as their primary objective and capital appreciation as their secondary objective. The portfolio consists of 37% equity, 12% real assets, 17% alternatives and 34% fixed income. View returns/fact sheet.|
|The BPG Moderate Model Portfolio is designed for investors who want a moderate balance between principal protection and capital appreciation. The portfolio consists of 51% equity, 15% real assets, 13% alternatives and 21% fixed income. View returns/fact sheet.|
|Moderate Aggressive||The BPG Moderate Aggressive Model Portfolio is designed for investors who seek capital appreciation as their primary objective and safety of principal as their secondary objective. The portfolio consists of 63% equity, 15% real assets, 10% alternatives and 12% fixed income. View returns/fact sheet.|
|Most Risk||Aggressive||The BPG Aggressive Model Portfolio is designed for investors who seek capital appreciation. The portfolio consists of 71% equity, 13% real assets, 6% alternatives and 10% fixed income. View returns/fact sheet.|
Account Owner acknowledges that a wide array of investment options is made available for the investment of funds held in the HSA. Account Owner understands and agrees that the Custodian is not providing any investment advice to Account Owner or any Authorized Agent and that Custodian is not an investment adviser registered under the Investment Advisers Act of 1940. Account Owner also acknowledges that some of the mutual funds or other investment options that are offered for purchase in the HSA may pay marketing and administrative services or other “revenue sharing” fees, including but not limited to so-called “12b-1” fees to the Custodian in connection with an investment in such funds.
The investment selection and monitoring process is based on a two-part quantitative and qualitative due diligence process. The quantitative process combines numerous data points including absolute and ordinal rankings relative to peers and mean variance relative to peers. The qualitative analysis includes on-site visits with management teams, meeting with the portfolio managers and a “6-P” evaluation criteria assessment — people, philosophy, process, portfolio, price and performance. The underlying investments are evaluated quarterly and any investment that fails to meet both the quantitative and qualitative minimum criteria may be subject to removal.