Skip to main content

Your Cash Strategy: Build a cash reserve

Help build and protect your cash reserves

You may not realize how little you are earning on your cash today. Here are some potentially smarter ways to structure your cash reserves to earn more and have assets available should an unexpected expense come up.

Cash Reserve Certificate

Our Cash Reserve Certificate helps you build your reserves in a number of ways. It provides competitive returns and allows you to make systematic deposits. Full liquidity and no withdrawal penalties mean you can access your investment as you need to, whether it’s sending money directly to your bank account or another Ameriprise account, so you can have the flexibility you want. And your principal is guaranteed by Ameriprise Certificate Company (ACC).

Flexible Savings Certificate

When it comes to building your cash reserves, our Flexible Savings Certificate offers a guaranteed rate for a specific term of 3 - 36 months, attractive returns, and the option to access credited interest and up to 10% of the principal during the term without penalty. Your principal is guaranteed by ACC.

Certificate Laddering Strategy

One great way to build your cash reserves is through a laddering strategy. Laddering is when you stagger your purchase of multiple Certificates of varying terms to give you built in liquidity at pre-determined intervals. Laddering strategies allow you to enhance rates by investing in longer terms as compared to putting all of your dollars into a single, shorter term.


Your Cash Strategy: Saving for a specific goal

Be smarter about achieving that dream

Whether your dream is a new house in the next few years or a nice nest egg for the future, there are a number of ways to achieve it. Here are a few of those options.

Cash Reserve Certificate

Because it allows systematic investments of as little as $50 per month plus attractive rates, the Cash Reserve Certificate is a great way to start saving. Once you build to a certain level, you can move those assets to another Certificate product that matches your timeframe to earn higher rates and help achieve your goals.

Flexible Savings Certificate

Flexible Savings Certificates can help you achieve your dream because you can tailor your needs to a term length ranging from 3 - 36 months. While rates are guaranteed for the term you choose, you still have some access to your investment if your needs change: all credited interest and up to 10% of principal are available to withdraw without penalty during the term. Plus, you can add up to 25% of your initial or renewal amount and earn at the same rate.

Stock Market Certificate

The Stock Market Certificate can help you reach your long term goal in a number of ways. First, there’s potential for higher returns that are linked to the S&P 500 Index up to a maximum return. Second, you can match your needs to a term length of 1, 2 or 3 years. Third, because your money is not actually invested in the market, your principal is guaranteed if the market declines over the term.

Step-Up Rate Certificate

Achieving your dream means being ready when rates rise. With a Step-Up Rate Certificate you can match your needs to a term length of 2, 3 or 4 years. Rates are guaranteed for the term with an option to step up to a higher rate if interest rates increase during the term.


Your Cash Strategy: Saving with an eye on rising rates

Be smart about cash growth and principal protection when rates could rise

Putting your cash in a secure place doesn’t mean you can’t take advantage of rising interest rates. Here’s how your cash can improve its growth potential:

Step-Up Rate Certificate

The Step-Up Rate Certificate guarantees you a rate for your full term, but allows you to step up your rate if interest rates have increased during your term. One step-up is available for 2 and 3 year terms and two step- ups for the 4 year term. Plus, you have the ability to access your interest and up to 10% of principal without penalty should you need cash during the term.

Certificate Laddering Strategy

Another way to be smarter about cash growth is by using a laddering strategy, or staggering the purchase of multiple certificates. You can establish a ladder with various term lengths of Flexible Savings or Stock Market Certificates. Laddering gives you periodic access to your cash while enhancing your rate, because staggering your purchases means your cash will be available without penalty more frequently. And if rates are rising, you will be reinvesting at higher yields or maximum return caps in the case of Stock Market Certificates.


Your Cash Strategy: A potentially greater return on your cash

Be smarter about the return you’re receiving on your cash

You can protect your initial principal while potentially growing your money faster than with a single fixed rate. Here’s how:

Step-Up Rate Certificate

The Step-Up Rate Certificate offers guaranteed rates for terms of 2, 3 and 4 years with the option to step up your rate if rates increase during the term. You can withdraw interest and up to 10% of principal without withdrawal penalties during the term, giving you flexibility if you need it.

Stock Market Certificate

The Stock Market Certificate allows you to take advantage of the gains of the market while guaranteeing your principal. You can earn market-linked returns up to a maximum cap based on the growth of the S&P 500 Index over a 1, 2 or 3 year term.

Certificate Laddering Strategy

Another way to be smarter about cash growth is by using a laddering strategy, or staggering the purchase of multiple certificates. You can establish a ladder with various term lengths of Flexible Savings or Stock Market Certificates. Laddering gives you periodic access to your cash while enhancing your rate, because staggering your purchases means your cash will be available without penalty more frequently. And if rates are rising, you will be reinvesting at higher yields or maximum return caps in the case of Stock Market Certificates.


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.

Let's Talk

Talk to your advisor about creating a smarter strategy for your specific situation to help you achieve your dreams. Use this as your conversation starter.
Find an advisor

More Within Reach