Quantum Select

RiverSource® Quantum Select is a flexible premium, fixed annuity that offers rate and timeline options to help meet your needs.

Getting Started

Minimum initial payment:

  • Non-Qualified: $3,000
  • Qualified: $2,000

Additional payments:

$100 minimum allowed in most states. Each additional payment has its own withdrawal charge schedule.

Maximum issue age:

  • Non-Qualified, Roth IRA, or rollovers and transfers to SEP IRA: Age 85
  • New contributions to a SEP IRA: Age 70.5


Withdrawal charges:

Year: 1 2 3 4 5 thereafter
Chg: 8% 7% 6% 4% 2% 0%

Each additional payment will have its own withdrawal schedule.

Withdrawal privileges:

During the first year, 15% of the initial payment may be withdrawn systematically without penalty. After the first year, up to 15% of the prior anniversary contract value can be annually withdrawn without charge.

Rates and Guarantees

  • Minimum Guaranteed Rate is 1.75%.
  • Initial base rate guarantee period options of 1, 3 and 5 years.
  • All guarantees are based on the continued claims-paying ability of the issuing company.

The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource and are subject to our continued claims-paying ability.