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 a model portfolio, 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 Asset Allocation Program, which uses a sophisticated approach to investing that helps take the emotion out of the decision-making process.

Portfolio Navigator can help you stay invested for the long term and provide you with the opportunity for more consistent results over time. It features five model portfolios, ranging from conservative to aggressive, that RiverSource Investments develops and updates, based on recommendations from Morningstar Associates, LLC ("Morningstar") - a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Portfolio Navigator now has more than three years of consistent, competitive performance.

Portfolio Navigator can help you take charge of your retirement:

• Disciplined. Benefit from the disciplined portfolio construction process of industry-leading professionals, giving you added confidence to stay invested and on track regardless of market fluctuations.
• Diversified. Drive your annuity's potential with the opportunity for more consistent performance over time, with a wide range of asset classes to help you meet your investment objectives.
• Dynamic. Take advantage of professionally developed model portfolios which are regularly rebalanced and updated. You are notified when your model portfolio is updated, and your contract value is automatically reallocated unless you tell us otherwise.

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