Volatile markets

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

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

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

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?

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.

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Secure a lifetime of protected retirement income

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.

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Grow cash value

Grow cash value

Get upside market potential with downside protection in a RiverSource indexed universal life insurance policy.

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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.

 

Videos to view

 

Find your financial focus

Learn how to plan for what's most important to you.

We can help you navigate a volatile market

Protection in a market downturn is essential to a comprehensive financial plan. Speak with your advisor on what solutions may be right for you.

This information is authorized for use when preceded or accompanied by a current annuity prospectus. The prospectus contains detailed information regarding risks, fees, allocation options and other information regarding the annuity. Read the prospectus carefully before you purchase the annuity.