Your asset allocation
Understanding how Ameriprise creates your asset allocation view
The asset allocation section on your statement gives you an easy, at-a-glance way to track the diversification of your investments over time. A clear view into how your investments are allocated across asset classes is important for any investment strategy.
To give you an understanding of how your investments are categorized on your statements, we’ve laid out each of the six asset classes below and listed the types of investments they include. Since the classes include a ‘look through’ into holdings with certain investments, some classes below include exposure from a mutual fund, ETF, UIT or annuity subaccount.
|Assets Classes||What's included?|
|Cash & cash investments||
With the “look through” feature, cash investments within a mutual fund, insurance policy or annuity contract are included in this category.
U.S. Investment Grade Corporate
Developed Foreign Bond
Commodities, non-traded REITs and non-traded BDCs
Hedge Funds, managed futures, long-short strategies, non-traditional bond funds
Individual options and futures
Holdings for which we temporarily lack classification data (typically newly purchased securities, securities which recently underwent a corporate action, or certain annuity subaccounts). Can include derivatives held inside of mutual funds or other pooled investments. A small number of Structured products that are neither principal protected nor tied to an equity index may be classified here.
Structured Notes are a form of corporate debt that are designed to offer exposure to a portion or all of the risks and returns of one or more referenced securities or indexes. Some structured notes may also be leveraged. Structured Notes vary in complexity and are subject to the issuers’ credit risk and run the risk of going down to a value of zero. In certain cases, as would be defined in the prospectus, when the referenced securities or indexes decline past a contracted point the issuer of the note may choose to deliver shares or an equivalent cash value of the underlying securities to fulfill the remainder of its obligation leaving the investor with a depressed position, including a value of zero.