Structured annuities

Key Points

  • A structured annuity provides exposure to equity markets, giving you the growth potential you need to achieve your goals.
  • For each indexed account you select, the performance of an underlying index will determine how much you can earn (either up to a cap or subject to a fee).
  • Each indexed account includes a level of protection that can help eliminate some of the risk associated with investing.

RiverSource Structured SolutionsSM annuity provides you with opportunities to grow your money and a level of protection that can help eliminate some of the risk that comes with investing.

Why structured annuities?

RiverSource® Structured Solutions annuity balances growth potential with a level of protection. With this solution you will benefit from:

  1. Exposure to equity markets: The RiverSource Structured Solutions annuity offers you equity market exposure, giving you the growth potential you need to help achieve your goals. With more indexed allocation options than any other annuity of its kind1, you can customize your annuity to meet your specific needs.
  2. The potential for growth: Your money can grow based on the crediting method of the indexed account you select. You are not invested directly in the market. Instead, the performance of the underlying indexes or Exchange Traded Fund will determine how much you can earn (either up to a cap or subject to a fee).
  3. A level of protection: Each indexed account includes a protection option – a buffer or a floor. If the index has a negative return, your losses will be reduced by a buffer or limited to a floor. While you can lose money, you will have a safeguard in place that may help lessen the impact of negative performance.
Annuities are intended for retirement investing; therefore withdrawals made from an annuity before age 59½ may be subject to a 10% IRS tax penalty.
If you use an annuity within a retirement plan that is already tax-deferred, such as an IRA, the annuity doesn’t provide any additional tax deferral.
1Source: RiverSource product research based on competitor rate sheets, November 2019. Analysis includes: currently sold b-share, registered index-linked annuities. Analysis excludes: registered index-linked annuities with variable subaccounts. Research compared indexed allocation options to the total available with a RiverSource Structured Solutions annuity with a six-year surrender charge schedule.

Take the next step

Ameriprise Financial can help you plan for a more confident retirement with our own RiverSource Structured Solutions annuity.

Be sure to talk to a financial advisor about the annuity's features, benefits, risks and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives.

Most annuities have a tax-deferred feature and so do many retirement plans under the Internal Revenue Code. As a result, when you use an annuity to fund a retirement plan that is tax-deferred, your annuity will not provide any necessary or additional tax deferral for that retirement plan. But annuities do have features other than tax deferral that may help you reach your retirement goals. You should consult your tax adviser prior to making a purchase for an explanation of the tax implications to you.
Policies and features may not be available in all states or may vary by state.
Structured annuities are insurance products that are complex, long-term investment vehicles and are subject to risk, including the loss of principal. Before you purchase, be sure to ask your financial professional about the annuity's features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives.
Withdrawals are subject to income taxes, and withdrawals before age 59-1/2 may incur an IRS 10% early withdrawal penalty.
Ameriprise Financial Services, LLC. Member FINRA and SIPC. CA License #0684538.
STRUCTURED ANNUITIES:
 Are not FDIC insured
 May lose value
 Are not bank guaranteed
 Are not insured by any Federal Government Agency