Balance growth potential with a level of protection
When you're saving for retirement, the ups and down in the market can make it challenging to stay the course. You may be looking for growth potential and a level of protection to help eliminate some of the risks of investing. The RiverSource Structured Solutions 2 ℠ annuity is designed with these advantages, offering you a balanced solution to help you meet your financial goals.
What is a structured annuity?
A structured annuity is a long-term retirement investment that can help you:
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Gain exposure to equity markets
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Realize positive returns, even in down markets
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Customize your return potential
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Safeguard your money with a level of protection that may help lessen the impact of negative performance
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Protect your beneficiaries with a death benefit guarantee (age limitations apply)
With a RiverSource Structured Solutions 2 annuity, you can allocate money between a variety of indexed accounts. These indexed accounts are based on five well-known equity market indexes and an Exchange Traded Fund (ETF) providing exposure to U.S. equities and international equities.
Your rate of return will be linked to the performance of the underlying indexes, but you will never be directly invested in the market. The index rates of return used do not include reinvestment of dividends from underlying companies. You can benefit from some protection from losses along the way, giving you the potential to weather the ups and downs of the market.
A structured solution to help you achieve your goals
The RiverSource Structured Solutions 2 annuity offers the following advantages:
- Exposure to equity markets for growth potential: The RiverSource Structured Solutions 2 annuity offers you equity market exposure, giving you the growth potential you need to help achieve your goals. You will have access to more than 120 indexed accounts based on five well-known equity indexes and an Exchange Traded Fund (ETF), collectively referred to as “indexes” on this page, that cover U.S. and international equities. Together, these indexed accounts address many different market outlooks and investing approaches.
- Positive returns, even in down markets: Some indexed accounts provide returns that track to the performance of the underlying index. Other options offer the potential to earn a positive return even when the underlying index performance is negative. These options can give you added confidence to stay the course during turbulent markets.
- A level of protection for you: Each indexed account includes a buffer that will provide a level of protection against loss when the index rate of return is negative. Buffers include -10%, -15%, -20%, -25% and even a -100% option that provides total protection against loss if held to maturity (the -100% buffer is not available in Oregon). You can choose to diversify your protection levels by allocating across multiple indexed accounts. While you can still lose money, you will have a safeguard in place that may help lessen the impact of negative performance.
- Protection for your beneficiaries: The Standard Death Benefit (Return of Purchase Payment) can help you protect your investment for your heirs, even if your annuity contract loses value. Your beneficiaries are guaranteed to receive at least your principal – adjusted proportionately for any withdrawals – no matter how your annuity performs. The benefit is available at no additional charge if you are age 80 or younger when you purchase your annuity and can be purchased for an additional fee for ages 81+. An enhanced death benefit is also available for a fee if you are age 80 or younger when you purchase your annuity.
