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Current Interest Paid on Lifespring Health CD Investment Option:
Account holders receive interest on all daily balances excluding those funds held on debit cards. Interest compounds daily and is posted to accounts monthly. Interest rates change from time-to-time, depending on market circumstances. Lifespring Health utilizes a number of our banking partners to deliver the highest returns possible to our account holders. Current interest rates on HSA accounts are described below:
| Interest Rate Tier | Interest Rate Paid | APY% |
| Less than $1,000 | 1% | 1.005% |
| $1,000 - $5,000 | 2% | 2.018% |
| $5,001 - $10,000 | 3% | 3.042% |
| $10,001 - Above | 4.75% | 4.855% |
| Interest rates are subject to change | ||
Investment Options For Money In Your HSA Account
Lifespring Health offers account holders several options for investing funds in HSA accounts. The content below is provided for information purposes only. It is not intended nor should it be construed as any advice, recommendation, or endorsement from Lifespring Health regarding investment, legal, tax, or other matters.
- Self-Directed: For the experienced or independent investor, self direct your investments at Lifespring Health using the broker or dealer of your choice.
- Preferred Client Investment Support: If you don’t have a broker or dealer, Lifespring Health has made arrangements with Partnervest Securities, LLC to offer investment services at a discounted fee for Lifespring Health clients. Contact Lifespring Health Customer Service for more information.
- Funds to Consider: While you are free to invest in any IRS approved vehicle, many mutual funds choices are available for your consideration. Morningstar offers a rating and information service regarding these funds. Free analysis, ratings and quotes are available at www.morningstar.com.
- Sample Portfolios: Lifespring Health clients have suggested a sample portfolio for those who wish to minimize time spent in researching investment options. The following is offered as an example of such a portfolio. As always, Lifespring Health clients may choose this or another portfolio and are free to use Partnervest or another brokerage.
- Investment Options (PDF, 28K)
Through its strategic partner, Partnervest Securities, Inc., an investment platform has been created to provide Lifespring Health subscribers with access to some of the top mutual fund families for the professional management of their HSA funds.
This platform provides access to multiple investment managers enabling Lifespring Health subscribers to create diversified investment strategies with world class expertise.
The investment platform consists of the following fund managers with the corresponding objectives:
| Manager | Mutual Fund | Objective |
|---|---|---|
| Alliance Bernstein | Money Market | Money Market |
| Pimco | Managed Bond | Bond |
| Franklin Templeton | Income Fund | Balanced |
| T. Rowe Price | Growth Equity Portfolio | Equity Income |
| Phoenix Investment | Partner Select | Growth and Income |
| American Funds | Growth Fund of America | Growth |
If desired, account holders may also have access to a full service Partnervest advisor, who can assist them in the architecture of these funds into a customized investment program based on their own individual risk tolerances, time horizon and objectives.