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.
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.
Cover the unexpected;Save for a specific goal;Save with an eye on rising rates;Earn a potentially greater return on my cash
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.
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 ameriprise.com. 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Any principal withdrawn during the term above the 10% level from the Flexible Savings Certificate and Step Up Rate Certificate are assessed a 2% withdrawal charge. And any principal withdrawn from the Stock Market Certificate is assessed a 2% withdrawal charge.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.