Investment Features for Variable Annuities

Choose your investment approach

With RiverSource® variable annuities, you can choose the investment strategy that best suits your needs. We offer many opportunities for you to accumulate assets for the future, including participating in the equities market to take advantage of growth opportunities.

You can customize your own portfolio or select the Portfolio Navigator program, helping drive the performance of your annuity with strong, focused and flexible strategies from RiverSource. Your financial professional can help you choose an approach and build a portfolio that fits your investment objectives, risk tolerance and time horizon.

Design your own portfolio

With a RiverSource variable annuity, you can take charge of your retirement by designing a portfolio that fits your own investment style. We offer a wide range of more than 70 subaccounts from well-known fund families. These investment choices range from conservative to aggressive. You can also choose a fixed account with a guaranteed minimum rate of return. Note that all guarantees are based on the continued claims-paying ability of the issuing company and do not apply to the performance of the variable subaccounts, which will vary with market conditions.

Choose advice-embedded solutions

You may prefer to simplify your financial life so you can spend less time and energy managing your assets and more on realizing your dreams. Then choose the Portfolio Navigator Program, which uses a sophisticated approach to investing that helps take the emotion out of the decision-making process.

The Portfolio Navigator program is a powerful investing tool to help drive the performance of your RiverSource® variable annuity. Portfolio Navigator offers five professionally designed and managed “funds of funds” for your variable annuity investment. Each of the funds of funds available through Portfolio Navigator consists of a wide variety of investment options selected to achieve broad diversification. Your investment is allocated to the fund of funds you determine is best suited to your needs. With Portfolio Navigator, you can rely on expert investment analysis, portfolio construction and ongoing monitoring, helping to keep you on track to reach your goals and dreams for retirement.

Portfolio Navigator can help optimize the performance of your annuity with an approach that is:

  • Disciplined. Benefit from in-depth fund research and analysis by industry professionals who consider both qualitative and quantitative factors.
  • Diversified. Helps to weather the market’s ups and downs with the potential for more consistent performance over time.
  • Dynamic. Take advantage of ongoing and sophisticated portfolio management that is responsive to market risks and opportunities.

Note: The living benefits available with RiverSource variable annuities require participation in Portfolio Navigator program.

Product and rider availability, including any related fees and expenses, may vary by state and affiliated company.

Click here for important information about the variable annuity products including features and benefits.

Click here for important information about the Portfolio Navigator program.