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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

Your Email

Does RiverSource Structured Solutions 2 Annuity 6-Year make your top 3?

Our clients typically get 23% more income than their first quote.

Your age

Under 55 55–59 60–64 65–69 70–74 75+

Your state

Free · About a minute · 110+ companies compared

About Product

Type

Registered Index-Linked

Purpose

Accumulation & Legacy

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, IRA Rollover, SEP IRA, IRA-Roth, and Inherited IRA

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, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, 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	Dual Directional Triennial	112% Participation
6-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional 6-Year	100% Participation 85% Cap
6-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional 6-Year	100% Participation 75% Cap
6-Year S&P 500 Dual Directional Participation Rate with Cap 25% Buffer	Dual Directional 6-Year	100% Participation 65% Cap
6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional 6-Year	100% Participation 300% Cap
6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional 6-Year	100% Participation 120% Cap
6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 25% Buffer	Dual Directional 6-Year	100% Participation 85% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional Triennial	100% Participation 45% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Triennial	100% Participation 38% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Triennial	100% Participation 33% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 25% Buffer	Dual Directional Triennial	100% Participation 29% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Triennial	102% Participation
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Triennial	100% Participation 55% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 25% Buffer	Dual Directional Triennial	100% Participation 41% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional Annual	100% Participation 12.5% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Annual	100% Participation 9.5% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Annual	100% Participation 7.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer	Dual Directional Annual	100% Participation 30.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer	Dual Directional Annual	100% Participation 15.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 20% Buffer	Dual Directional Annual	100% Participation 9.75% Cap
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate	Contingent Yield with Trigger Rate Annual	8.9% Performance triggered
1-Year S&P 500 Contingent Yield with 30% Trigger rate	Contingent Yield with Trigger Rate Annual	7.65% Performance triggered
2-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Biennial	15.3% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Triennial	27.6% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Triennial	31% Performance triggered
3-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Triennial	21.35% Performance triggered
3-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Triennial	23.15% Performance triggered
3-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Triennial	25.25% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Biennial	16.4% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Biennial	18.6% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Biennial	21.4% Performance triggered
2-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Biennial	13.85% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Triennial	24.8% Performance triggered
2-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Biennial	16.95% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Annual	7.95% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Annual	9.45% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Annual	11.5% Performance triggered
1-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Annual	6.65% Performance triggered
1-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Annual	8.8% Performance triggered
1-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Annual	7.6% Performance triggered
6-Year S&P 500 Annual Lock Cap 10% Buffer	Annual Lock 6-Year	11.25% Cap
3-Year S&P 500 Annual Lock Cap 10% Buffer	Annual Lock Triennial	12.5% Cap
6-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point 6-Year	100% Cap
1-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 18.75% Cap
6-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee	Point to Point 6-Year	90% Cap
6-Year Nasdaq-100 PTP Cap 10% Buffer Annual Fee	Point to Point 6-Year	100% Cap
6-Year Russell 2000 PTP Cap 25% Buffer Annual Fee	Point to Point 6-Year	95% Cap
6-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point 6-Year	130% Cap
6-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point 6-Year	165% Cap
6-Year S&P 500 PTP Cap 25% Buffer Annual Fee	Point to Point 6-Year	70% Cap
6-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point 6-Year	90% Cap
1-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Annual	100% Participation 40% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap 25% Buffer Annual Fee	Point to Point 6-Year	100% Participation 110% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point 6-Year	100% Participation 130% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point 6-Year	100% Participation 145% Cap
6-Year Russell 2000 PTP Participation Rate with Cap 25% Buffer Annual Fee	Point to Point 6-Year	100% Participation 165% Cap
6-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point 6-Year	102% Participation
6-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point 6-Year	105% Participation
6-Year S&P 500 PTP Participation Rate with Cap 25% Buffer Annual Fee	Point to Point 6-Year	100% Participation 110% Cap
6-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point 6-Year	100% Participation 150% Cap
6-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point 6-Year	101% Participation
6-Year Nasdaq-100 PTP Cap 25% Buffer Annual Fee	Point to Point 6-Year	75% Cap
6-Year S&P 500 PTP Participation Rate with Cap 15% Buffer	Point to Point 6-Year	100% Participation 80% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 48% Cap
3-Year S&P 500 PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 37% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap 25% Buffer	Point to Point 6-Year	100% Participation 80% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer	Point to Point 6-Year	100% Participation 95% Cap
6-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer	Point to Point 6-Year	100% Participation 100% Cap
6-Year S&P 500 PTP Participation Rate with Cap 25% Buffer	Point to Point 6-Year	100% Participation 70% Cap
6-Year MSCI EAFE PTP Participation Rate with Cap 15% Buffer	Point to Point 6-Year	110% Participation
6-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer	Point to Point 6-Year	100% Participation 115% Cap
3-Year MSCI EAFE PTP Cap 20% Buffer	Point to Point Triennial	100% Participation 57% Cap
6-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer	Point to Point 6-Year	114% Participation
6-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer	Point to Point 6-Year	100% Participation 130% Cap
6-Year S&P 500 PTP Participation Rate with Cap 10% Buffer	Point to Point 6-Year	100% Participation 90% Cap
3-Year S&P 500 PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	100% Participation 42% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	100% Participation 67% Cap
3-Year S&P 500 PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	100% Participation 48% Cap
1-Year S&P 500 PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 15.5% Cap
1-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 21% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 20% Cap
6-Year Russell 2000 PTP Participation Rate with Cap 25% Buffer	Point to Point 6-Year	100% Participation 95% Cap
1-Year S&P 500 PTP Participation Rate with Cap 15% Buffer	Point to Point Annual	100% Participation 13% Cap
1-Year S&P 500 PTP Participation Rate with Cap 20% Buffer	Point to Point Annual	100% Participation 11% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Triennial	100% Participation 110% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	100% Participation 55% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	103% Participation
3-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Triennial	100% Participation 75% Cap
1-Year iShares U.S. Real Estate ETF PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 30% Cap
6-Year MSCI EAFE PTP Participation Rate with Cap 25% Buffer	Point to Point 6-Year	105% Participation
1-Year MSCI Emerging Markets PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	100% Participation 29.25% Cap
1-Year S&P 500 PTP Participation Rate with Cap 100% Buffer	Point to Point Annual	100% Participation 7.25% Cap
1-Year S&P 500 PTP Participation Rate with Cap 25% Buffer	Point to Point Annual	100% Participation 9.75% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Triennial	100% Participation 67% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	100% Participation 44% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	100% Participation 49% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	100% Participation 55% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	110% Participation
6-Year S&P 500 Dual Direction Participation Rate with Cap 10% Buffer Annual Fee	Dual Directional 6-Year	100% Participation 200% Cap
6-Year S&P 500 Dual Direction Participation Rate with Cap 15% Buffer Annual Fee	Dual Directional 6-Year	100% Participation 125% Cap
6-Year S&P 500 Dual Direction Participation Rate with Cap 25% Buffer Annual Fee	Dual Directional 6-Year	100% Participation 90% Cap
3-Year S&P 500 Dual Direction Participation Rate with Cap 10% Buffer Annual Fee	Dual Directional Triennial	100% Participation 150% Cap
3-Year S&P 500 Dual Direction Participation Rate with Cap 15% Buffer Annual Fee	Dual Directional Triennial	100% Participation 57% Cap
3-Year S&P 500 Dual Direction Participation Rate with Cap 20% Buffer Annual Fee	Dual Directional Triennial	100% Participation 46% Cap
3-Year S&P 500 Dual Direction Participation Rate with Cap 25% Buffer Annual Fee	Dual Directional Triennial	100% Participation 39% Cap
1-Year S&P 500 Dual Direction Participation Rate with Cap 10% Buffer Annual Fee	Dual Directional Annual	100% Participation 21.5% Cap
1-Year S&P 500 Dual Direction Participation Rate with Cap 15% Buffer Annual Fee	Dual Directional Annual	100% Participation 15.5% Cap
1-Year S&P 500 Dual Direction Participation Rate with Cap 20% Buffer Annual Fee	Dual Directional Annual	100% Participation 11.75% Cap
6-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield 6-Year	47.15% Performance triggered
6-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield 6-Year	44.4% Performance triggered
6-Year S&P 500 Contingent Yield with 25% Buffer	Contingent Yield 6-Year	39.6% Performance triggered
6-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield 6-Year	55.1% Performance triggered
6-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield 6-Year	51.2% Performance triggered
6-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 25% Buffer	Contingent Yield 6-Year	44.45% Performance triggered
6-Year S&P 500 PTP Participation Rate with Cap 100% Buffer	Point to Point 6-Year	100% Participation 52% Cap
6-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 10% Buffer	Point to Point 6-Year	105% Participation
6-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 15% Buffer	Point to Point 6-Year	101% Participation
6-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 25% Buffer	Point to Point 6-Year	100% Participation 110% Cap
6-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 100% Buffer	Point to Point 6-Year	100% Participation 64% Cap
3-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Triennial	103% Participation
3-Year S&P 500 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Triennial	100% Participation 56% Cap
3-Year S&P 500 PTP Participation Rate with Cap 100% Buffer	Point to Point Triennial	100% Participation 24% Cap
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 10% Buffer	Point to Point Triennial	116% Participation
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 15% Buffer	Point to Point Triennial	108% Participation
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 20% Buffer	Point to Point Triennial	101% Participation
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 100% Buffer	Point to Point Triennial	100% Participation 31% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Triennial	104% Participation
3-Year Russell 2000 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Triennial	100% Participation 75% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Triennial	100% Participation 80% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Triennial	100% Participation 60% Cap
1-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee	Point to Point Annual	100% Participation 22% Cap
1-Year S&P 500 PTP Participation Rate with Cap 20% Buffer Annual Fee	Point to Point Annual	100% Participation 18% Cap
1-Year S&P 500 PTP Participation Rate with Cap 25% Buffer Annual Fee	Point to Point Annual	100% Participation 15.75% Cap
1-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Annual	100% Participation 41% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Annual Fee	Point to Point Annual	100% Participation 31.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 10% Buffer	Point to Point Annual	109% Participation
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 15% Buffer	Point to Point Annual	100% Participation 25.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 20% Buffer	Point to Point Annual	100% Participation 17.75% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 25% Buffer	Point to Point Annual	100% Participation 14.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 100% Buffer	Point to Point Annual	100% Participation 8.5% Cap

Surrender schedule

Year	1	2	3	4	5	6
Penalty	9%	8%	8%	7%	6%	5%

Hypothetical Projection

Comparison against S&P 500 using current rates

See if this annuity ranks in your top 3 for Ohio

Our clients typically get 23% more income than their first quote.

Your age

Under 55 55–59 60–64 65–69 70–74 75+

Your state

Free · About a minute · 110+ companies compared

Riders

Name	Inbuilt	Fee
Death Benefit Rider (ages 81+)	Yes	0.60% annually
MAV Death Benefit Rider	Yes	0.30% annually

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

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:

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 $3,000,000 ($1,000,000 for ages 76 to 90).

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

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.Market Value AdjustmentA positive or negative adjustment that applies to withdrawals during the surrender charge period. This includes required minimum distributions, “free amount” withdrawals, annuitizations, and amounts paid to the owner if you become terminally ill or are confined to a hospital or nursing home. The market value adjustment does not apply to withdrawals from the interim account or Income Choice monthly income. The adjustment amount is based on the change in the Bloomberg US Agg Credit index - Yield To Worst rate since the contract was issued. After the surrender charge period ends, no market value adjustments will be applied.

Company Founded: 1894

TOP Rated Company

RiverSource Life Insurance Company

Company Ratings

4.9