4.9
based on complex data
Annuity Educator Rating
Annuity review
RiverSource Structured Solutions 2 Annuity 6-Year
The RiverSource Structured Solutions 2 Annuity 6-Year is a fantastic way to secure your future. It offers great financial stability, making it ideal for people looking to retire confidently.
Brochure highlights discuss its high-rated return rates and reliable safety nets. Overall, it's an excellent option for those who prioritize security and steady income.
RiverSource Structured Solutions 2 Annuity 6-Year
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About Product
Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
8%
7%
6%
5%
4%
3%
Fee withdrawal:
10%
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
90
Types Of Funds
Non-Qualified, IRA, IRA Rollover, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch
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
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer Uncapped |
Dual Directional
Triennial
|
117%
Participation
|
| 6-Year S&P 500 Dual Directional Cap 10% Buffer |
Dual Directional
6-Year
|
100%
Cap
|
| 6-Year S&P 500 Dual Directional Cap 15% Buffer |
Dual Directional
6-Year
|
85%
Cap
|
| 6-Year S&P 500 Dual Directional Cap 25% Buffer |
Dual Directional
6-Year
|
65%
Cap
|
| 6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer Uncapped |
Dual Directional
6-Year
|
118%
Participation
|
| 6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer Uncapped |
Dual Directional
6-Year
|
109%
Participation
|
| 6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 25% Buffer |
Dual Directional
6-Year
|
95%
Cap
|
| 3-Year S&P 500 Dual Directional Cap 10% Buffer |
Dual Directional
Triennial
|
56%
Cap
|
| 3-Year S&P 500 Dual Directional Cap 15% Buffer |
Dual Directional
Triennial
|
42%
Cap
|
| 3-Year S&P 500 Dual Directional Cap 20% Buffer |
Dual Directional
Triennial
|
34%
Cap
|
| 3-Year S&P 500 Dual Directional Cap 25% Buffer |
Dual Directional
Triennial
|
29%
Cap
|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer Uncapped |
Dual Directional
Triennial
|
108%
Participation
|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer |
Dual Directional
Triennial
|
60%
Cap
|
| 3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 25% Buffer |
Dual Directional
Triennial
|
37%
Cap
|
| 1-Year S&P 500 Dual Directional Cap 10% Buffer |
Dual Directional
Annual
|
14.5%
Cap
|
| 1-Year S&P 500 Dual Directional Cap 15% Buffer |
Dual Directional
Annual
|
10.25%
Cap
|
| 1-Year S&P 500 Dual Directional Cap 20% Buffer |
Dual Directional
Annual
|
7.25%
Cap
|
| 1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 10% Buffer |
Dual Directional
Annual
|
25%
Cap
|
| 1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 15% Buffer |
Dual Directional
Annual
|
11.75%
Cap
|
| 1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer |
Dual Directional
Annual
|
5.5%
Cap
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate |
Contingent Yield with Trigger Rate
Annual
|
9.5%
Performance triggered
|
| 1-Year S&P 500 Contingent Yield with 30% Trigger rate |
Contingent Yield with Trigger Rate
Annual
|
8.4%
Performance triggered
|
| 2-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Biennial
|
16.05%
Performance triggered
|
| 3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer |
Contingent Yield
Triennial
|
28%
Performance triggered
|
| 3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Triennial
|
32.65%
Performance triggered
|
| 3-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Triennial
|
20.6%
Performance triggered
|
| 3-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Triennial
|
23%
Performance triggered
|
| 3-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Triennial
|
25.7%
Performance triggered
|
| 2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Biennial
|
16.7%
Performance triggered
|
| 2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer |
Contingent Yield
Biennial
|
19.45%
Performance triggered
|
| 2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Biennial
|
23.25%
Performance triggered
|
| 2-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Biennial
|
14.2%
Performance triggered
|
| 3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Triennial
|
24.4%
Performance triggered
|
| 2-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Biennial
|
18.4%
Performance triggered
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Annual
|
8.25%
Performance triggered
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer |
Contingent Yield
Annual
|
10.1%
Performance triggered
|
| 1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Annual
|
12.75%
Performance triggered
|
| 1-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Annual
|
7.3%
Performance triggered
|
| 1-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Annual
|
10.3%
Performance triggered
|
| 1-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Annual
|
8.55%
Performance triggered
|
| 6-Year S&P 500 Annual Lock Cap 10% Buffer |
Annual Lock
6-Year
|
12.25%
Cap
|
| 3-Year S&P 500 Annual Lock Cap 10% Buffer |
Annual Lock
Triennial
|
13.75%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
100%
Participation
500%
Cap
|
| 1-Year MSCI EAFE PTP Cap 10% Buffer |
Point to Point
Annual
|
19%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee |
Point to Point
6-Year
|
105%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 10% Buffer Annual Fee |
Point to Point
6-Year
|
125%
Cap
|
| 6-Year Russell 2000 PTP Cap 25% Buffer Annual Fee |
Point to Point
6-Year
|
100%
Participation
110%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
100%
Participation
175%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
100%
Participation
500%
Cap
|
| 6-Year S&P 500 PTP Cap 25% Buffer Annual Fee |
Point to Point
6-Year
|
90%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
100%
Participation
125%
Cap
|
| 1-Year S&P 500 PTP Cap 10% Buffer Annual Fee |
Point to Point
Annual
|
30%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 25% Buffer Annual Fee |
Point to Point
6-Year
|
115%
Cap
|
| 6-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
100%
Participation
180%
Cap
|
| 6-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
102%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate with Cap 25% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
100%
Participation
225%
Cap
|
| 6-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
109%
Participation
|
| 6-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
113%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with Cap 25% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
100%
Participation
225%
Cap
|
| 6-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
108%
Participation
|
| 6-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Uncapped Annual Fee |
Point to Point
6-Year
|
112%
Participation
|
| 6-Year Nasdaq-100 PTP Cap 25% Buffer Annual Fee |
Point to Point
6-Year
|
85%
Cap
|
| 6-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
6-Year
|
95%
Cap
|
| 3-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
Triennial
|
54%
Cap
|
| 3-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Triennial
|
42%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 25% Buffer |
Point to Point
6-Year
|
75%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
6-Year
|
90%
Cap
|
| 6-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
6-Year
|
100%
Cap
|
| 6-Year S&P 500 PTP Cap 25% Buffer |
Point to Point
6-Year
|
75%
Cap
|
| 6-Year MSCI EAFE PTP Participation Rate with Cap 15% Buffer Uncapped |
Point to Point
6-Year
|
115%
Participation
|
| 6-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
6-Year
|
120%
Cap
|
| 3-Year MSCI EAFE PTP Cap 20% Buffer |
Point to Point
Triennial
|
65%
Cap
|
| 6-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer Uncapped |
Point to Point
6-Year
|
122%
Participation
|
| 6-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
6-Year
|
155%
Cap
|
| 6-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
6-Year
|
110%
Cap
|
| 3-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Triennial
|
49%
Cap
|
| 3-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
Triennial
|
90%
Cap
|
| 3-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Triennial
|
65%
Cap
|
| 1-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Annual
|
18%
Cap
|
| 1-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
Annual
|
23.75%
Cap
|
| 1-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
Annual
|
22%
Cap
|
| 6-Year Russell 2000 PTP Cap 25% Buffer |
Point to Point
6-Year
|
90%
Cap
|
| 1-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Annual
|
14.25%
Cap
|
| 1-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Annual
|
12%
Cap
|
| 3-Year Russell 2000 PTP 15% Buffer Uncapped Annual Fee |
Point to Point
Triennial
|
102%
Participation
|
| 3-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
Triennial
|
65%
Cap
|
| 3-Year MSCI EAFE PTP Cap 15% Buffer |
Point to Point
Triennial
|
104%
Cap
|
| 3-Year S&P 500 PTP 15% Buffer Uncapped Annual Fee |
Point to Point
Triennial
|
104%
Participation
|
| 1-Year iShares U.S. Real Estate ETF PTP Cap 10% Buffer |
Point to Point
Annual
|
40%
Cap
|
| 6-Year MSCI EAFE PTP Participation Rate with Cap 25% Buffer Uncapped |
Point to Point
6-Year
|
105%
Participation
|
| 1-Year MSCI Emerging Markets PTP Cap 10% Buffer |
Point to Point
Annual
|
24%
Cap
|
| 1-Year S&P 500 PTP Cap 100% Buffer |
Point to Point
Annual
|
6.25%
Cap
|
| 1-Year S&P 500 PTP Cap 25% Buffer |
Point to Point
Annual
|
10.25%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee |
Point to Point
Triennial
|
75%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
Triennial
|
44%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
Triennial
|
51%
Cap
|
| 3-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
Triennial
|
61%
Cap
|
| 3-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer Uncapped |
Point to Point
Triennial
|
113%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Penalty | 8% | 7% | 6% | 5% | 4% | 3% |
Riders
No Riders for RiverSource Structured Solutions 2 Annuity 6-Year annuity.
Waivers
Death
We do not assess Surrender Charges for death benefit payments made in the event of Your death.
Hospital
Surrenders You make if You are confined to a hospital or nursing home and have been for the prior 60 days or confinement began within 30 days following a prior 60-day confinement period. Such confinement must begin after the Contract Date. Your Contract will include this provision when You are under age 76 at Contract issue. You must provide us with a letter containing proof satisfactory to Us of the confinement as of the date You request the surrender. We must receive Your surrender request no later than 91 days after Your release from the hospital or nursing home. The amount surrendered must be paid directly to You.
Nursing Home
Surrenders You make if You are confined to a hospital or nursing home and have been for the prior 60 days or confinement began within 30 days following a prior 60-day confinement period. Such confinement must begin after the Contract Date. Your Contract will include this provision when You are under age 76 at Contract issue. You must provide us with a letter containing proof satisfactory to Us of the confinement as of the date You request the surrender. We must receive Your surrender request no later than 91 days after Your release from the hospital or nursing home. The amount surrendered must be paid directly to You.
Terminal Illness
Surrenders You make if You are diagnosed in the second or later Contract Years with a medical condition that with reasonable medical certainty will result in death within 12 months or less from the date of the diagnosis. You must provide Us with a licensed physician’s statement containing the terminal illness diagnosis, the expected date of death and the date the terminal illness was initially diagnosed. The amount surrendered must be paid directly to You.
Premium Notes
Purchase Payments
Purchase payment limits are based on Your age on the effective date of the payment.
Minimum initial purchase payment:
Purchase payment limits are based on Your age on the effective date of the payment.
Minimum initial purchase payment:
- Non-Qualified: $10,000
- Qualified: $10,000 (not available for 401(a), 403(b), simple IRAs and 501c(3))
Maximum total purchase payments per owner is $1,000,000 ($100,000 for ages 86 to 90).
Additional purchase payments
Additional purchase payments
Additional purchase payments can be made for 90 days after the date the contract is issued. The additional payments are held in the interim account earning daily fixed interest until your next contract anniversary. At that time, the funds will be allocated based on your rebalancing or transfer instructions. If you do not provide instructions, the money will be automatically transferred to the fixed account.
Minimum additional purchase payment $50
Minimum additional purchase payment $50
Note: Inherited/Beneficiary IRA available as a rollover.
Withdrawal Provisions
Withdrawal privilegesDuring the first contract year, you have access to the greater of 10% of your purchase payments or earnings without surrender charges. In subsequent years, you have access to the greater of 10% of your prior year contract anniversary value or earnings without surrender charges.
Company Founded: 1894
TOP Rated
Company
Company Ratings
4.9
- A.M. Best A+
- S&P A+
- Moody's A1
- Comdex 90
Assets: $23,784,508,526
Minnesota
