How can I protect my money?
During periods of market uncertainty, it’s easy for emotions to run high and to lose sight of long-term goals. You want to ensure your savings are secure. An Ameriprise financial advisor can help you determine the investment solutions best suited for you and guide you through fluctuating markets.
Navigate the ups and downs of the market
Diversify and invest long-term
Retirement can last 20, 30 years or more. Though any day can bring positive or negative market returns, it’s important to maintain a long-term view to help you weather short-term fluctuations. A portfolio that is diverse in stocks, bonds and cash can help. While diversification does not assure a profit or protect against loss, it can help minimize the impact of losses in any single asset category. Your Ameriprise financial advisor can help you build a strategy for the long term.Learn about market ups and downs
Safeguard your money for heirs
Your retirement savings are intended to help you live the retirement you envision, but you may also want to leave as much as possible to your loved ones and/or the causes you care about. Negative returns that occur shortly before or after you retire can have a drastic impact on your portfolio. A variable annuity with an optional death benefit (for an additional fee) can help mitigate this risk and help ensure you leave as much as possible. Talk to your Ameriprise financial advisor to see what solutions might be right for you.Learn about variable annuities
Grow your retirement assets
Living the retirement you envision can be achieved with the right planning and guidance. While no one can predict the future, you can build income that lasts for a lifetime with options that fit your unique needs:
- An annuity may help you grow your money, protect it for heirs and provide tax benefits.
- Permanent life insurance, or cash value life insurance, can provide an opportunity for tax-deferred growth and income tax-free access to cash value – and an income tax-free death benefit.
Investment guidance from your Ameriprise financial advisor can help you plan for the retirement you envision.
Solutions to consider
Looking for growth potential but wary of the markets?
With a RiverSource Structured Solutions℠ annuity you get the market participation you're looking for but with a level of protection against losses.
Secure a lifetime of protected retirement income
Enjoy guaranteed lifetime income with the RAVA 5® variable annuity and optional SecureSource® benefit, available for an additional fee.
Frequently asked questions
At RiverSource, we offer ways to help maximize your growth potential with solutions that can also help protect your money from losses. Talk to your Ameriprise financial advisor to learn more.
While no one can predict the markets, the timing of negative returns can impact your portfolio drastically. This is a critical challenge for all retirees. It’s important to find options to protect yourself and help ensure your money will last through retirement, no matter what. Contact your Ameriprise financial advisor to discuss how you can protect your money.
Growing your wealth takes years of hard work. The last thing you want is to have your investments diminished due to a market downturn. You want to optimize savings, grow your assets and protect what you leave to loved ones. Discuss options to help protect your investments with your Ameriprise financial advisor today.
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