The HSA Guided Portfolio allows you to personalize their asset allocation, using a variety of criteria including general health, HSA financial metrics and risk appetite. This allows you to choose your investment options; select the rebalancing timing that meets your needs; and enroll in the auto-rebalance option, which automatically rebalances your investment assets on a monthly, quarterly, or yearly cycle.

To access the HSA Guided Portfolio, please follow the steps below.

  1. Go to your Twic Portal > Accounts > HSA > Manage > Pay Myself > Investment > View/Trade.

  2. You will be directed to a new page. Go to Tools and Education > HSA Guided Portfolio at the top menu.

  3. A new tab will open with an overview of the HSA Guided Portfolio. Select Let’s Begin!

  4. Complete the questions on the HSA Investment Planner page and select Calculate to view the new allocations.

  5. If you would like to implement the new allocations, select Implement.

  6. A window will appear with instructions on how to complete the next page, select I’m Ready!

  7. You can update the election percentages based on the results from the questions you previously answered. You are not required to follow these results, but the election percentages must total 100%.

  8. Once the percentages are updated, the One Step Update button and Customize Your Worksheet Updates becomes available. The One Step Update will set elections, rebalance, and enroll in monthly auto-rebalancing.

  9. A popup window will appear to confirm the changes. If elections are correct, select Submit.

  10. A confirmation page will appear showing your elections.

*This tool is only a guide to help you make investment selections that fit with your unique objectives and allow you to make changes accordingly. You are not required to follow it absolutely.

How long before my HSA Guided Portfolio changes take effect?

All pending rebalance or fund allocation changes are processed after the close of the market business day, 4:00 PM ET. Any changes after the market business day close will be processed at the next market days close.

Can I cancel my HSA Guided Portfolio fund or election changes?

You may cancel pending changes before 4:00 PM ET. Pending Activity can be found under the Statements and Activity menu option.

How often can I make changes to my HSA Guided Portfolio allocations?

You can make changes to your investment holdings once a day. Keep in mind, mutual funds are considered long-term investments and some funds may charge short-term redemption fees to discourage market timing practices. Please review the fund's prospectus for fees related to the fund's short-term trading policies.

If you have any questions, please feel free to reach out to our Member Experience Team via live-chat, email to support@twic.ai, or call us at 844-902-2902.


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