RiverSource Retirement Advisor 4 Advantage® (RAVA 4 Advantage®) - New York and National

The following At-a-glance provides an overview of the RAVA 4 Advantage variable annuity:

Getting started

Minimum initial payment

 $1,000 for qualified
$2,000 for non-qualified
Minimum additional payments $50 for all payments
Maximum issue age for owner and annuitant 90
Withdrawal charges Contract years from payment receipt
1 2 3 4 5 6 7 8 9 10 Thereafter
7 year withdrawal charge schedule
7% 7% 7% 6% 5% 4% 2% 0% 0% 0% 0%
10 year withdrawal charge schedule
8% 8% 8% 7% 7% 6% 5% 4% 3% 2% 0%
Each additional payment will have its own withdrawal schedule. Withdrawal schedules may vary by state.
Liquidity Cumulative earnings or 10% of the prior anniversary contract value can be annually withdrawn without charge.
Fees and Expenses Contract type Mortality and expense fee (M&E)
Qualified .85%
Non-qualified 1.05%

Subaccount management fees vary by fund and do not apply to the Guaranteed Period Accounts (GPAs), the Regular Fixed Account or the Special Dollar-Cost Averaging (DCA) Fixed accounts, where available.

Contract administrative charge of $30 is deducted from the contract value on contract anniversary and at full surrender; waived for contract values or total purchase payments less payments surrendered of $50,000 or more.
Purchase Payment Credit
The purchase payment credits may be more than offset by the higher fees and charges (especially the withdrawal charge) associated with the purchase payment credits of this annuity contract or by the withdrawal charges of another annuity contract you are replacing. The purchase payment credits may be reversed under certain circumstances.
If your payments equal: Then your credit for the 7 year schedule will be: Then your credit for the 10-year schedule will be:
$0 - $99,999 0% 1%
$100,000 - $999,999 1% 2%
Over $1 Million 2% 3%
Investment Options and Asset Allocation

Choose from a wide range of investment options representing every major asset class from well known fund families. Design your own portfolio or enroll in an asset allocation program.

For more information on Investment Options click here
Optional Riders Optional living and death benefit riders, available for an additional fee, may allow you to safeguard your savings, enjoy guaranteed retirement income and pass on wealth to your loved ones. Visit Optional Benefits to learn more or talk to your financial professional for more information.
Performance
Related Literature

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 Asset Allocation Program.