The Holy Spirit, and all the blessings that come with him, is received when we are saved.
It is not innate or learned. We are sealed by the Holy Spirit, and he lives in our hearts, to lead and guide us.
"And it is God who establishes us with you in Christ, and has anointed us, [SUP]22 [/SUP]and who has also put his seal on us and given us his Spirit in our hearts as a guarantee" 2 Cor. 1:21-22
"In him you also, when you heard the word of truth, the gospel of your salvation, and believed in him, were sealed with the promised Holy Spirit, [SUP]14 [/SUP]who is the guarantee of our inheritance until we acquire possession of it, to the praise of his glory." Eph. 1:13-14
Apparently, according to these verses, the Holy Spirit is also the guarantee of our inheritance. I just learned something today!
So, on a side note, if the Holy Spirit lives in our hearts, and is the guarantee of our inheritance, how can anyone think we can lose our salvation?