RiverSource Structured Solutions 2 Annuity 3-Year
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Highlights
The RiverSource Structured Solutions annuity is an individual limited flexible purchase payment deferred indexed-linked annuity contract with fixed and index-linked investment options.
Available in states:
AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
3 Years |
|
Surrender schedule
|
8%7%6% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch |
Brochure
|
Open brochure |
Find out if the RiverSource Structured Solutions 2 Annuity 3-Year is the right product for you.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year S&P 500 Dual Directional Cap 20% Buffer |
Dual Directional
Annual
|
5.25%
Cap
|
| 1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 10% Buffer |
Dual Directional
Annual
|
16.5%
Cap
|
| 1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 15% Buffer |
Dual Directional
Annual
|
8.5%
Cap
|
| 1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer |
Dual Directional
Annual
|
4.25%
Cap
|
| 1-Year S&P 500 Dual Directional Cap 15% Buffer |
Dual Directional
Annual
|
7.25%
Cap
|
| 1-Year S&P 500 Dual Directional Cap 10% Buffer |
Dual Directional
Annual
|
9.75%
Cap
|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 25% Buffer |
Dual Directional
Triennial
|
33%
Cap
|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer |
Dual Directional
Triennial
|
62%
Cap
|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap with Participation Rate 15% Buffer Uncapped |
Dual Directional
Triennial
|
111%
Participation
|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap with Participation Rate 10% Buffer Uncapped |
Dual Directional
Triennial
|
122%
Participation
|
| 3-Year S&P 500 Dual Directional Cap 25% Buffer |
Dual Directional
Triennial
|
24%
Cap
|
| 3-Year S&P 500 Dual Directional Cap 20% Buffer |
Dual Directional
Triennial
|
29%
Cap
|
| 3-Year S&P 500 Dual Directional Cap 15% Buffer |
Dual Directional
Triennial
|
37%
Cap
|
| 3-Year S&P 500 Dual Directional Cap 10% Buffer |
Dual Directional
Triennial
|
48%
Cap
|
| 1-Year S&P 500 Contingent Yield with 30% Trigger rate |
Contingent Yield with Trigger Rate
Annual
|
5.85%
Performance triggered
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate |
Contingent Yield with Trigger Rate
Annual
|
6.7%
Performance triggered
|
| 2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Biennial
|
14%
Performance triggered
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Annual
|
6.35%
Performance triggered
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer |
Contingent Yield
Annual
|
7.6%
Performance triggered
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Annual
|
9.45%
Performance triggered
|
| 1-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Annual
|
5.5%
Performance triggered
|
| 1-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Annual
|
6.3%
Performance triggered
|
| 1-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Annual
|
7.4%
Performance triggered
|
| 2-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Biennial
|
15.15%
Performance triggered
|
| 2-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Biennial
|
13.55%
Performance triggered
|
| 2-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Biennial
|
12.2%
Performance triggered
|
| 2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Biennial
|
18.75%
Performance triggered
|
| 3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Triennial
|
21.55%
Performance triggered
|
| 3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer |
Contingent Yield
Triennial
|
24.3%
Performance triggered
|
| 3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Triennial
|
27.8%
Performance triggered
|
| 3-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Triennial
|
18.75%
Performance triggered
|
| 3-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Triennial
|
20.6%
Performance triggered
|
| 3-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Triennial
|
22.9%
Performance triggered
|
| 2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer |
Contingent Yield
Biennial
|
16.1%
Performance triggered
|
| 3-Year S&P 500 Annual Lock Cap 10% Buffer |
Annual Lock
Triennial
|
12.25%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee |
Point to Point
Triennial
|
76%
Cap
|
| 1-Year S&P 500 PTP Cap 10% Buffer Annual Fee |
Point to Point
Annual
|
25%
Cap
|
| 3-Year MSCI EAFE PTP Cap with Participation Rate 10% Buffer Uncapped |
Point to Point
Triennial
|
104%
Participation
|
| 1-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Annual
|
10.75%
Cap
|
| 1-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Annual
|
9.5%
Cap
|
| 3-Year Russell 2000 PTP 15% Buffer Uncapped Annual Fee |
Point to Point
Triennial
|
103%
Participation
|
| 1-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Annual
|
13.75%
Cap
|
| 1-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
Annual
|
17%
Cap
|
| 1-Year MSCI EAFE PTP Cap 10% Buffer |
Point to Point
Annual
|
14%
Cap
|
| 1-Year MSCI Emerging Markets PTP Cap 10% Buffer |
Point to Point
Annual
|
15.25%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
Annual
|
14.5%
Cap
|
| 1-Year iShares U.S. Real Estate ETF PTP Cap 10% Buffer |
Point to Point
Annual
|
22.75%
Cap
|
| 3-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Triennial
|
70%
Cap
|
| 3-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
Triennial
|
75%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
Triennial
|
38%
Cap
|
| 3-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Triennial
|
44%
Cap
|
| 3-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
Triennial
|
58%
Cap
|
| 3-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
Triennial
|
100%
Cap
|
| 3-Year S&P 500 PTP 15% Buffer Uncapped Annual Fee |
Point to Point
Triennial
|
105%
Participation
|
| 3-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Triennial
|
36%
Cap
|
| 1-Year S&P 500 PTP Cap 25% Buffer |
Point to Point
Annual
|
7.75%
Cap
|
| 1-Year S&P 500 PTP Cap 100% Buffer |
Point to Point
Annual
|
6.25%
Cap
|
| 3-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
Triennial
|
45%
Cap
|
| 3-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
Triennial
|
42%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
Triennial
|
52%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
Triennial
|
44%
Cap
|
Surrender schedule
| Year | 1 | 2 | 3 |
|---|---|---|---|
| Penalty | 8% | 7% | 6% |
Riders
No Riders for RiverSource Structured Solutions 2 Annuity 3-Year annuity.
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