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Cash Strategy

Cash is your cushion, your lifestyle engine. It’s also great protection against unexpected expenses or market downturns. Having a solid cash foundation can put you in a stronger financial position, and help you stay on track for a more confident retirement. Your cash has a lot of potential.

A smarter cash strategy starts with discovering smarter ways to help build, allocate, protect and grow your cash.

For over 120 years, Ameriprise Certificates have helped our clients get more from their cash by providing guaranteed and flexible ways to save, grow and help achieve their goals.

What’s your cash strategy?

Establish or maintain a cash reserve.

Do you think you have enough cash to meet your short term needs? What if an emergency came up?

That’s why a cash reserve is smart, so you can cover the unexpected. To build and benefit from a cash reserve, you want guaranteed principal with the flexibility of adding or withdrawing funds without penalty.

Cash Reserve Certificate

You want cash on hand to cover unplanned expenses or to avoid forced selling of investment holdings during retirement.

Improve returns on cash without sacrificing your flexibility.

Looking for returns and flexibility in pursuit of your goals?

One smart way to do that is to structure your cash in a way that improves returns while maintaining some flexibility and generating predictable cash flow.

Flexible Savings Certificate

It’s a solution with access to credited interest and 10% of your principal during the term. A laddering strategy provides periodic access to your cash while enhancing your rate.

Take advantage of rising rates.

Have you explored options that provide you with a higher rate of return?

It’s smart to save. But it’s even smarter to give yourself the option to earn a greater return on your cash, especially during a rising rate environment.

Step-up Rate Certificate

This certificate allows you to enjoy an attractive, guaranteed starting rate and gives you the opportunity to step up your rate if rates increase during your 2, 3, or 4 year term.

Earn a potentially higher yield.

Do you know what your cash is earning?

Knowing your rate of return may motivate you to explore other options that can help you achieve your goals sooner. You may want to pursue a higher return than a fixed rate, but do it without jeopardizing your principal.

Stock Market Certificate

This certificate seeks to grow your cash with rates tied to the market, up to a maximum return, but without risking your principal. And with three terms to choose from, you can match your term to your timeframe.

What are your current cash goals?

Cover the unexpected;Save for a specific goal;Save with an eye on rising rates;Earn a potentially greater return on my cash

Think about your current financial situation and check all that apply.

Whatever your goals are, a smarter cash strategy can help put you in a stronger financial position. It all starts with exploring and discovering ways to build, allocate, protect and grow your cash.

Your guide to a smarter cash strategy.
Get it here

You should consider the investment objectives, risks, charges and expenses of certificates carefully before investing. For a free prospectus, which contains this and other important information about our certificates, please visit Read the prospectus carefully before you invest.

Certificates are backed by reserves of cash and qualified assets on deposit of Ameriprise Certificate Company and are not federally or FDIC insured, and include investment risk, including possible loss of principal. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. These assets have risks, including credit risk, interest rate risk, prepayment and extension risk.

Ameriprise® Certificates are issued by Ameriprise Certificate Company and distributed by Ameriprise Financial Services, Inc. Member FINRA and SIPC.

Contributions to tax-qualified accounts are limited to the amount allowed by federal law. Tax-deferred earnings are not taxed until you withdraw them. Distributions of pretax contributions and earnings are subject to ordinary income tax and may be subject to a 10% penalty if distributed before age 59½.

Any principal withdrawn during the term above the 10% level from the Flexible Savings Certificate and Step Up Rate Certificate are assessed a 2% withdrawal charge. And any principal withdrawn from the Stock Market Certificate is assessed a 2% withdrawal charge. No interest is credited and available for withdrawal during the term for the Stock Market Certificate.

Stock Market Certificate holders may have taxable income each year that they own the certificate, even if they do not receive an interest payment during the year. See the prospectus for additional tax information, and consult your tax advisor before purchasing a Stock Market Certificate in a taxable account.

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Please check the boxes that relate to your current financial situation.