Investments
Investing in the market today plays a role in helping you reach your future dreams, whether that means saving for retirement, education, or traveling around the world. When considering an investment strategy, start with your financial goals, your tolerance for risk and your timeline.
Work with an investment professional
An Ameriprise financial advisor can help you make sense of all the moving pieces. Together, you'll take a look at your overall financial scenario. From there, your advisor will offer ideas and recommendations about investment solutions that fit your goals and needs.
IRAs
Save for retirement with an IRA. IRAs offer either tax-deferred or tax-free earnings on any growth. Our full range of offerings includes traditional IRAs, Roth IRAs, inherited IRAs and more.
Mutual funds
With ongoing professional management, mutual funds are an important element of a financial plan.
Annuities
An annuity can be valuable tool for investing and saving for retirement. Plus, the policy's tax deferral gives you the freedom to control when you pay taxes on your earnings.
Stocks and bonds
Stocks and bonds can play a part in a long-term, diversified investment strategy. Let us help you build a portfolio that works with your immediate needs and your goals for the future.
Certificates
Certificates offer competitive interest earnings, plus relatively low risk and safety for your original investment — all without a sales charge.
Managed accounts
We offer a broad range of investment advisory solutions designed to help you and an Ameriprise financial advisor plan for your goals. With Managed Accounts, you will work with an advisor to receive regular advice, portfolio reviews and select investments with a fee that is based on the assets of your account versus paying individual transaction fees.
Ameriprise ONE® Financial Account
Consolidate your cash and investments into a single account that gives you all the benefits of both banking and brokerage.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Ameriprise Financial Services, Inc. is a subsidiary of Ameriprise Financial, Inc.
The Ameriprise ONE® Financial Account is a brokerage and cash management account.
Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Diversification is not a guarantee of overall portfolio profit and does not protect against loss.
Investment products, including shares of mutual funds and variable annuities, are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Variable annuities are insurance products that are complex long-term investment vehicles. Before you invest, be sure to ask your investment professional about the variable annuity's features, benefits, risks and fees, and whether the variable annuity is appropriate for you, based upon your financial situation and objectives.
Variable annuities are subject to market risks, including the potential loss of principal invested.
Fixed annuities are insurance products that are long-term investment vehicles. Before you invest, understand the annuity's features, benefits and fees, to help you determine if the annuity is appropriate for you based on your financial situation and objectives.
Most annuities have a tax-deferred feature. So do many retirement plans under the Internal Revenue Code. As a result, when you use an annuity to fund a retirement plan that is tax-deferred, your annuity will not provide any necessary or additional tax deferral for that retirement plan. But annuities do have features other than tax deferral that may help you reach your retirement goals. Consult your tax advisor prior to making a purchase for an explanation of the tax implications to them. Withdrawals are subject to income taxes, and withdrawals made before age 59 ½ may incur an IRS 10% early withdrawal penalty.
You should consider the investment objectives, risks, charges and expenses of a mutual fund, variable annuity, variable life insurance or certificate before investing. For a free prospectus, which contains this and other important information, call (800) 862-7919 or visit ameriprise.com. Read the prospectus carefully before you invest.
Ameriprise certificates are backed by reserves of cash and qualified assets on deposit. The assets backing the certificates have varying ratings and generally increase in market value as interest rates fall and decrease in market value as interest rates rise. Bank CDs are FDIC insured.
