Leap into smarter investments
Expert investment picks for all your accounts – 401(k), 403b, HSA, brokerage… You make the trades.
Turn any investment strategy into fund recommendations
Understand your investment allocation
Get a clear breakdown of where your money is invested and how it aligns with your financial goals.
Get monthly updates about new optimizations
Apply new strategies in minutes
Seamlessly switch or tweak your investment approach with just a few clicks—no hassle, no complexity.
Works with Every Account You Own
- 401(k) accounts – Optimize your employer-sponsored retirement savings.
- HSAs (Health Savings Accounts) – Grow your tax-advantaged health funds.
- IRAs & Brokerage Accounts – Maximize returns across personal investments.
- And more! – Stay in control, no matter how you invest.
Get started in 4 simple steps
Register
Request access
Pick a list of Funds
Select from our options or upload your list of funds (401k, 403b, HSA…)
Choose Your Strategy
Choose one of our strategies or create your own.
Implement the result
See how well your chosen strategy fits with your selected funds.
Leap toward a brighter financial future.
Questions about Blue GrassHopper?
What is Blue Grasshopper?
Blue Grasshopper (BGH) is an app that helps DIY investors make smarter decisions in their 401(k) and other retirement or investment accounts. It offers curated investment strategies built on a blend of expert insight, market analysis, and intelligent tools—so you don’t have to guess which funds to pick.
What is the investment strategy behind Blue Grasshopper?
Our strategies are inspired by:
- The top-ranked investment newsletters according to Hulbert Ratings, and
- Our own hands-on experience managing retirement portfolios through multiple market cycles.
We combine:
- Fund rankings based on performance, consistency, and cost
- Macroeconomic strategy that adjusts based on the current environment
- A light layer of AI to process data and support decisions
But at the core, our strategies are built and reviewed by real people—we believe in thoughtful investing, not blind automation.
Why don’t you show performance data?
Great question. We don’t show past performance because:
- Every plan is different. The fund lineup in your 401(k) may not match someone else’s, so showing generic performance wouldn’t apply.
- Past performance isn’t predictive. We believe in solid investment process—not trying to chase what worked yesterday.
Do you use AI to build your strategies?
We use a hybrid approach:
- Some AI tools help us analyze large amounts of fund data and macro trends.
- But every portfolio strategy is human-curated and reviewed.
We don’t let AI make automatic decisions—there’s always a clear, intentional rationale behind our updates.
What does “Beta” mean?
Being in beta means:
- You may experience some bugs or slowdowns.
- We’re still refining our systems and backend to scale.
- Your feedback is incredibly helpful during this early stage.
Thank you for helping us build something great!
I have an idea for a feature. Can I share it?
Absolutely! We’d love to hear from you.
Send your idea to: support@bluegrasshopper.com
We’re just getting started and plan to release new features regularly.
How do you decide when to keep or change funds?
We aim for low turnover and only make changes when clearly justified.
For 401(k) Equity Portfolios:
- Up to 5 positions, focusing on high-growth opportunities (U.S. or international)
- Preference for ETFs, but mutual funds are okay
- Hold for at least 3 months, unless there’s a major change or underperformance
- Replace funds only if there’s a clearly stronger idea
- Re-evaluated monthly based on strategy updates
For 401(k) Bond Portfolios:
- Also up to 5 positions, with more tactical, macro-aware exposure
- Same low-turnover approach as equities
- Full portfolio (100%) invested, no equal weighting required
Can I use Blue Grasshopper for accounts other than a 401(k)?
Yes! You can use BGH for:
- Traditional IRAs and Roth IRAs
- Brokerage accounts
- SEP or Solo 401(k)s
- HSAs with investment options
We offer strategies—like our All-ETF Strategy—that are flexible enough for any type of account.
Is Blue Grasshopper giving me personalized financial advice?
No.
BGH provides impersonal investment guidance based on a general set of assumptions. We don’t factor in your entire financial picture, goals, or risk tolerance. If you want personal advice, we recommend working with a licensed financial advisor.
Do you link to my accounts?
No.
Blue Grasshopper does not require you to link your accounts. You simply tell us what funds are available in your plan, and we suggest a strategy. You stay in full control of what to implement.