Investing solutions for your retirement

Do you have the following questions about investing for your retirement?

• How do I invest my money to help me meet my goals?
• How can I stay on track through the ups and downs of the market?
• How will I know when it's the right time to make changes?
• How can I spend less time worrying about my investments and more time planning my retirement?

If you have any of these concerns, you're not alone. Most people find it difficult to know how to invest their money and when to make changes. And many of us find that our emotions can negatively influence our investing decisions. We may sell investments after they have already lost value or chase after the latest "hot" fund when it's nearing a peak in value. Without a disciplined investing strategy, it can be difficult to prevent emotions from driving your decisions.

One solution that can help? A disciplined strategy using professionally managed investments that can help you:

• Remove emotions from the equation
• Keep up with changes in the market
• Spend less time worrying and more time looking forward to the future

Portfolio Navigator funds: A solution to help drive the performance of your variable annuity.

When you choose a RiverSource^® variable annuity, you can invest in the Portfolio Navigator funds — five professionally developed and managed funds that can help take the emotion out of the investing process. The Portfolio Navigator lineup includes five portfolios:

With Portfolio Navigator, you can benefit from:

• The professional, disciplined investment process of Morningstar Associates, LLC.
• Investments that are broadly diversified across asset classes, market sectors, and holdings.
• Ongoing dynamic management of the funds to minimize investment risk and optimize performance.

Flexible investing options: the choice is yours.

Within your RiverSource variable annuity, you have two investing paths to consider, both of which can include the Portfolio Navigator funds.

• If you have selected an optional living benefit with your variable annuity, you will automatically be enrolled in the Portfolio Navigator program and you can select the fund that best meets your goals and needs.
• If you do not purchase an optional living benefit, you can choose to invest all or part of your money in the Portfolio Navigator funds, as well as the other investment options available with your variable annuity.

Performance information for the Portfolio Navigator funds

Performance reports for the funds are available in the Performance and Rates section. In addition, on a quarterly basis, Morningstar Associates prepares a very detailed analysis of each of the Portfolio Navigator funds.

View the Portfolio Navigator Perspective reports:

• VP-Aggressive Portfolio
• VP-Moderately Aggressive Portfolio
• VP-Moderate Portfolio
• VP-Moderately Conservative Portfolio
• VP-Conservative Portfolio

Talk with your Ameriprise financial advisor today to learn more about how RiverSource annuities can help you reach your retirement goals. Or, call our Ameriprise Advisor Center at (800) 257-8740 8 a.m. to 5 p.m. Central time Monday through Friday.