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RiverSource Structured Solutions 2 Annuity 6-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
 Registered Index-Linked
Purpose Accumulation
Term
 6 Years
Surrender schedule
 8%7%6%5%4%3%
Free withdrawal
 10%
Market value adjustment
Return of premium
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
Brochure
 Open brochure

Find out if the RiverSource Structured Solutions 2 Annuity 6-Year is the right product for 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 $1,000,000 ($100,000 for ages 86 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

Note: Inherited/Beneficiary IRA available as a rollover.

Withdrawal Provisions

Withdrawal privileges
During 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.

Allocation Accounts

Name Type Rates
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap with Participation Rate 10% Buffer Uncapped
Dual Directional
Triennial
116% 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
75% Cap
6-Year S&P 500 Dual Directional Cap 25% Buffer
Dual Directional
6-Year
55% Cap
6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap with Participation Rate 10% Buffer Uncapped
Dual Directional
6-Year
119% Participation
6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap with Participation Rate 15% Buffer Uncapped
Dual Directional
6-Year
112% Participation
6-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 25% Buffer
Dual Directional
6-Year
110% Cap
3-Year S&P 500 Dual Directional Cap 10% Buffer
Dual Directional
Triennial
42% Cap
3-Year S&P 500 Dual Directional Cap 15% Buffer
Dual Directional
Triennial
33% Cap
3-Year S&P 500 Dual Directional Cap 20% Buffer
Dual Directional
Triennial
29% Cap
3-Year S&P 500 Dual Directional Cap 25% Buffer
Dual Directional
Triennial
25% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap with Participation Rate 15% Buffer Uncapped
Dual Directional
Triennial
105% Participation
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer
Dual Directional
Triennial
45% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 25% Buffer
Dual Directional
Triennial
31% Cap
1-Year S&P 500 Dual Directional Cap 10% Buffer
Dual Directional
Annual
9.75% Cap
1-Year S&P 500 Dual Directional Cap 15% Buffer
Dual Directional
Annual
7% Cap
1-Year S&P 500 Dual Directional Cap 20% Buffer
Dual Directional
Annual
5% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 10% Buffer
Dual Directional
Annual
15.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 15% Buffer
Dual Directional
Annual
7.75% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer
Dual Directional
Annual
4% Cap
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate
Contingent Yield with Trigger Rate
Annual
6.55% Performance triggered
1-Year S&P 500 Contingent Yield with 30% Trigger rate
Contingent Yield with Trigger Rate
Annual
5.55% Performance triggered
2-Year S&P 500 Contingent Yield with 15% Buffer
Contingent Yield
Biennial
13.5% 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
27.7% Performance triggered
3-Year S&P 500 Contingent Yield with 20% Buffer
Contingent Yield
Triennial
19.05% Performance triggered
3-Year S&P 500 Contingent Yield with 15% Buffer
Contingent Yield
Triennial
20.9% Performance triggered
3-Year S&P 500 Contingent Yield with 10% Buffer
Contingent Yield
Triennial
23.2% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer
Contingent Yield
Biennial
13.8% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer
Contingent Yield
Biennial
15.85% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer
Contingent Yield
Biennial
18.45% Performance triggered
2-Year S&P 500 Contingent Yield with 20% Buffer
Contingent Yield
Biennial
12.15% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer
Contingent Yield
Triennial
21.65% Performance triggered
2-Year S&P 500 Contingent Yield with 10% Buffer
Contingent Yield
Biennial
15.1% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer
Contingent Yield
Annual
6.1% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer
Contingent Yield
Annual
7.35% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer
Contingent Yield
Annual
9.15% Performance triggered
1-Year S&P 500 Contingent Yield with 20% Buffer
Contingent Yield
Annual
5.35% Performance triggered
1-Year S&P 500 Contingent Yield with 10% Buffer
Contingent Yield
Annual
7.25% Performance triggered
1-Year S&P 500 Contingent Yield with 15% Buffer
Contingent Yield
Annual
6.15% Performance triggered
6-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
11.75% Cap
3-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
Triennial
11.75% Cap
6-Year S&P 500 PTP Cap with Participation Rate 10% Buffer Uncapped Annual Fee
Point to Point
6-Year
102% Participation
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
13.75% Cap
6-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee
Point to Point
6-Year
100% 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
110% Cap
6-Year Russell 2000 PTP Cap with Participation Rate 15% Buffer Uncapped Annual Fee
Point to Point
6-Year
6-Year Russell 2000 PTP Cap with Participation Rate 10% Buffer Uncapped Annual Fee
Point to Point
6-Year
102% Participation
6-Year S&P 500 PTP Cap 25% Buffer Annual Fee
Point to Point
6-Year
90% Cap
6-Year S&P 500 PTP Cap with Participation Rate 15% Buffer Uncapped Annual Fee
Point to Point
6-Year
1-Year S&P 500 PTP Cap 10% Buffer Annual Fee
Point to Point
Annual
22.5% Cap
6-Year Nasdaq-100 PTP Cap 25% Buffer Annual Fee
Point to Point
6-Year
125% Cap
6-Year Nasdaq-100 PTP Cap with Participation Rate 15% Buffer Uncapped Annual Fee
Point to Point
6-Year
6-Year Nasdaq-100 PTP Cap with Participation Rate 10% Buffer Uncapped Annual Fee
Point to Point
6-Year
104% Participation
6-Year Russell 2000 PTP Cap with Participation Rate 25% Buffer Uncapped Annual Fee
Point to Point
6-Year
104% Participation
6-Year Russell 2000 PTP Cap with Participation Rate 15% Buffer Uncapped Annual Fee
Point to Point
6-Year
110% Participation
6-Year Russell 2000 PTP Cap with Participation Rate 10% Buffer Uncapped Annual Fee
Point to Point
6-Year
114% Participation
6-Year S&P 500 PTP Cap with Participation Rate 25% Buffer Uncapped Annual Fee
Point to Point
6-Year
104% Participation
6-Year S&P 500 PTP Cap with Participation Rate 15% Buffer Uncapped Annual Fee
Point to Point
6-Year
110% Participation
6-Year S&P 500 PTP Cap with Participation Rate 10% Buffer Uncapped Annual Fee
Point to Point
6-Year
114% Participation
6-Year Nasdaq-100 PTP Cap 25% Buffer Annual Fee
Point to Point
6-Year
80% Cap
6-Year S&P 500 PTP Cap 15% Buffer
Point to Point
6-Year
85% Cap
3-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
Triennial
45% Cap
3-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Triennial
34% Cap
6-Year Nasdaq-100 PTP Cap 25% Buffer
Point to Point
6-Year
70% Cap
6-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
6-Year
85% 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
70% Cap
6-Year MSCI EAFE PTP Cap with Participation Rate 15% Buffer Uncapped
Point to Point
6-Year
106% Participation
6-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
6-Year
110% Cap
3-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
Triennial
43% Cap
6-Year MSCI EAFE PTP Cap with Participation Rate 10% Buffer Uncapped
Point to Point
6-Year
114% Participation
6-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
6-Year
140% Cap
6-Year S&P 500 PTP Cap 10% Buffer
Point to Point
6-Year
125% Cap
3-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Triennial
39% Cap
3-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Triennial
63% Cap
3-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Triennial
47% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
12.5% Cap
1-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Annual
18% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Annual
15.25% 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
10% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
9% Cap
3-Year Russell 2000 PTP 15% Buffer Uncapped Annual Fee
Point to Point
Triennial
3-Year Russell 2000 PTP Cap 15% Buffer
Point to Point
Triennial
53% Cap
3-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
Triennial
85% Cap
3-Year S&P 500 PTP 15% Buffer Uncapped Annual Fee
Point to Point
Triennial
102% Participation
1-Year iShares U.S. Real Estate ETF PTP Cap 10% Buffer
Point to Point
Annual
21% Cap
6-Year MSCI EAFE PTP Cap with Participation Rate 25% Buffer Uncapped
Point to Point
6-Year
1-Year MSCI Emerging Markets PTP Cap 10% Buffer
Point to Point
Annual
15% Cap
1-Year S&P 500 PTP Cap 100% Buffer
Point to Point
Annual
5.75% Cap
1-Year S&P 500 PTP Cap 25% Buffer
Point to Point
Annual
7.25% Cap
3-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee
Point to Point
Triennial
66% Cap
3-Year Nasdaq-100 PTP Cap 20% Buffer
Point to Point
Triennial
38% Cap
3-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
Triennial
44% Cap
3-Year Nasdaq-100 PTP Cap 10% Buffer
Point to Point
Triennial
52% Cap
3-Year MSCI EAFE PTP Cap 10% Buffer Uncapped
Point to Point
Triennial
102% 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.

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