Ameriprise Financial 401(k) Plan
Investment Model Portfolios
null (Ticker:AMP-PA) has the "Ameriprise Financial 401(k) Plan".
Investment options of Ameriprise Financial 401(k) Plan
Total Available Funds: 25
| Asset Class |
Ticker
| Description |
| FIXED INCOME |
|
|
| Intermediate-Term Bond |
RDBIX |
RiverSource Diversified Bond Fund |
| Intermediate Government |
VFIUX |
RiverSource Government Income Fund |
|
| Others |
|
|
| Moderate Allocation |
IDMYX |
RiverSource Balanced Fund |
| Target Date 2000-2010 |
RSSPX |
RiverSource Retirement Plus 2010 |
| Target Date 2011-2015 |
RSFNX |
RiverSource Retirement Plus 2015 |
| Target Date 2016-2020 |
RSNFX |
RiverSource Retirement Plus 2020 |
| Target Date 2021-2025 |
RSMEX |
RiverSource Retirement Plus 2025 |
| Target Date 2026-2030 |
RPTYX |
RiverSource Retirement Plus 2030 |
| Target Date 2031-2035 |
RPOYX |
RiverSource Retirement Plus 2035 |
| Target Date 2036-2040 |
RPFYX |
RiverSource Retirement Plus 2040 |
| Target Date 2041-2045 |
RRPYX |
RiverSource Retirement Plus 2045 |
| ROOT |
CASH |
Evergreen Money Market Fund |
| ROOT |
CASH |
RiverSource Trust Money Market Fund I |
| ROOT |
CASH |
RiverSource Trust Stable Capital Fund I |
|
| US EQUITY |
|
|
| MID-CAP VALUE |
RMCVX |
RiverSource Mid Cap Value Fund |
| MID-CAP VALUE |
RMCVX |
RiverSource Mid Cap Value Fund |
| LARGE VALUE |
RSEDX |
RiverSource Diversified Equity Income Fund |
| LARGE BLEND |
ALEIX |
RiverSource Disciplined Equity Fund |
| SMALL VALUE |
JASCX |
James Small Cap Fund |
| Small Growth |
ALSRX |
Alger Small Cap Fund |
| LARGE VALUE |
RSEYX |
RiverSource Trust Equity Index Fund III |
| Mid-Cap Growth |
VMGIX |
Wellington Trust Mid Cap Growth Portfolio |
| LARGE GROWTH |
VIGIX |
Wellington Trust Large Cap Growth Portfolio |
| US EQUITY |
AMP |
Ameriprise Financial, Inc. Common Shares |
|
| INTERNATIONAL EQUITY |
|
|
| Foreign Large Blend |
AIZAX |
AllianceBernstein International |
|
Investment model portfolios
We provide two types of investment model portfolios for Ameriprise Financial 401(k) Plan participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Example model portfolios
The following provides historical returns for example model portfolios with a moderate risk profile (at most 60% in stocks) and their comparison with benchmark index funds. You can customize these portfolios according to your own risk profile.
Strategic Asset Allocation Model Portfolio
The following portfolio is based on the MyPlanIQ Strategic Asset Allocation (SAA) strategy.
Tactical Asset Allocation Model Portfolio
The following portfolio is based on the MyPlanIQ Tactical Asset Allocation (TAA) strategy.
The return data shown below all delayed by 3 months. Their latest dates are all the same: 09/30/2020.
AR inception is since 12/31/2000.
|
Ticker/Portfolio |
Last 1 Week |
1 Yr |
3 Yr |
5 Yr |
10 Yr |
15 Yr |
20 Yr |
Inception |
YTD |
2024 |
2023 |
2022 |
2021 |
2020 |
2019 |
2018 |
2017 |
2016 |
2015 |
2014 |
2013 |
2012 |
2011 |
2010 |
2009 |
2008 |
2007 |
2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
2000 |
1999 |
1998 |
1997 |
1996 |
1995 |
1994 |
1993 |
1992 |
1991 |
1990 |
1989 |
1988 |
1987 |
1986 |
1985 |
1984 |
1983 |
1982 |
1981 |
1980 |
1979 |
|
Annualized Return (%)
|
Ameriprise Fi... Moderate
|
1.89 |
6.44 |
4.55 |
5.20 |
4.09 |
4.96 |
NA |
5.18 |
NA |
NA |
NA |
NA |
NA |
9.90 |
11.35 |
-2.55 |
10.00 |
4.10 |
-1.70 |
-0.46 |
12.93 |
0.47 |
2.27 |
1.65 |
13.07 |
3.73 |
8.04 |
8.17 |
0.58 |
9.43 |
8.12 |
6.00 |
0.67 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
4.40 |
15.48 |
12.13 |
14.08 |
13.62 |
9.09 |
6.31 |
7.27 |
NA |
24.84 |
26.12 |
-18.24 |
28.53 |
18.74 |
31.33 |
-4.55 |
21.66 |
11.83 |
1.23 |
13.52 |
32.17 |
15.82 |
1.96 |
14.91 |
26.52 |
-37.02 |
5.39 |
15.64 |
4.77 |
10.74 |
28.50 |
-22.17 |
-12.03 |
-9.05 |
21.08 |
28.62 |
33.18 |
22.87 |
37.45 |
1.18 |
10.15 |
8.24 |
32.05 |
-3.33 |
28.37 |
14.92 |
3.97 |
9.30 |
22.60 |
3.67 |
17.07 |
19.25 |
-8.55 |
27.89 |
-2.07 |
|
VSMGX (VANGUA...R SHARES)
|
1.71 |
8.99 |
6.21 |
7.59 |
7.07 |
5.77 |
5.26 |
5.66 |
NA |
10.28 |
15.51 |
-16.01 |
10.08 |
13.59 |
19.30 |
-6.28 |
14.86 |
7.09 |
-2.21 |
6.38 |
14.73 |
9.78 |
0.12 |
13.14 |
20.35 |
-26.49 |
7.21 |
13.30 |
5.68 |
11.76 |
22.40 |
-10.34 |
-4.78 |
1.27 |
14.09 |
21.59 |
17.90 |
10.77 |
26.58 |
2.04 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Sharpe Ratio
|
Ameriprise Fi... Moderate
|
NA |
1.32 |
0.74 |
0.91 |
0.64 |
NA |
NA |
0.65 |
NA |
NA |
NA |
NA |
NA |
1.15 |
2.17 |
-0.51 |
1.90 |
0.82 |
-0.33 |
-0.08 |
1.68 |
0.07 |
0.26 |
0.16 |
1.74 |
0.58 |
0.56 |
0.80 |
-0.27 |
1.33 |
1.36 |
1.39 |
-0.38 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
0.23 |
0.32 |
0.74 |
0.56 |
NA |
NA |
0.44 |
-0.70 |
1.44 |
1.69 |
-0.81 |
2.17 |
0.53 |
2.40 |
-0.34 |
3.16 |
0.89 |
0.08 |
1.19 |
2.90 |
1.25 |
0.08 |
0.82 |
0.97 |
-0.92 |
0.15 |
1.24 |
0.25 |
0.88 |
1.63 |
-0.90 |
-0.68 |
-0.59 |
0.98 |
1.24 |
1.62 |
1.63 |
4.33 |
-0.18 |
0.91 |
0.58 |
1.92 |
-0.53 |
1.73 |
0.60 |
0.00 |
0.31 |
1.49 |
-0.24 |
0.80 |
0.65 |
-1.27 |
1.19 |
-3.84 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
0.29 |
0.15 |
0.51 |
0.38 |
NA |
NA |
0.49 |
-0.10 |
0.48 |
1.37 |
-1.22 |
1.32 |
0.70 |
2.78 |
-0.86 |
3.76 |
0.83 |
-0.26 |
1.01 |
2.16 |
1.23 |
0.01 |
1.18 |
1.12 |
-0.98 |
0.41 |
1.36 |
0.50 |
1.49 |
2.09 |
-0.75 |
-0.58 |
-0.23 |
1.08 |
1.57 |
1.57 |
0.93 |
4.20 |
4.63 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Standard Deviation(%)
|
Ameriprise Fi... Moderate
|
NA |
8.21 |
6.96 |
6.19 |
6.54 |
NA |
NA |
6.56 |
NA |
NA |
NA |
NA |
NA |
8.37 |
4.59 |
7.52 |
4.92 |
4.72 |
5.28 |
6.04 |
7.67 |
5.96 |
8.74 |
9.85 |
7.48 |
4.87 |
9.09 |
6.16 |
5.89 |
6.39 |
5.45 |
3.52 |
4.34 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
19.39 |
18.60 |
17.94 |
18.44 |
NA |
NA |
18.12 |
28.69 |
12.67 |
13.09 |
24.19 |
13.11 |
34.69 |
12.48 |
17.11 |
6.68 |
13.11 |
15.51 |
11.39 |
11.07 |
12.74 |
23.36 |
18.07 |
27.22 |
40.99 |
16.02 |
10.04 |
10.29 |
11.10 |
17.04 |
25.96 |
21.55 |
22.20 |
18.17 |
20.48 |
18.21 |
11.77 |
7.77 |
9.92 |
8.83 |
9.93 |
14.69 |
16.06 |
13.09 |
17.07 |
33.80 |
16.55 |
11.67 |
12.80 |
13.62 |
18.09 |
14.61 |
16.53 |
23.80 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
10.43 |
10.86 |
10.39 |
10.40 |
NA |
NA |
11.50 |
14.60 |
7.69 |
8.26 |
14.34 |
7.62 |
19.08 |
6.43 |
8.81 |
3.80 |
8.31 |
8.51 |
6.28 |
6.80 |
7.99 |
14.68 |
11.10 |
18.01 |
27.95 |
10.37 |
7.43 |
6.96 |
7.25 |
10.38 |
15.37 |
12.42 |
12.30 |
10.07 |
11.65 |
9.10 |
7.74 |
5.41 |
15.57 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Draw Down(%)
|
Ameriprise Fi... Moderate
|
NA |
5.82 |
8.98 |
8.98 |
8.98 |
NA |
NA |
9.76 |
NA |
NA |
NA |
NA |
NA |
5.82 |
2.88 |
8.98 |
1.83 |
3.84 |
5.31 |
5.46 |
5.69 |
5.84 |
6.95 |
9.76 |
3.60 |
2.72 |
5.92 |
4.78 |
4.48 |
6.58 |
4.82 |
2.02 |
3.88 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
18.76 |
18.76 |
24.59 |
33.83 |
NA |
NA |
55.25 |
18.76 |
8.45 |
9.97 |
24.59 |
5.14 |
33.83 |
6.63 |
19.40 |
2.60 |
10.29 |
12.05 |
7.30 |
5.59 |
9.60 |
18.71 |
15.66 |
27.17 |
47.73 |
9.88 |
7.47 |
7.01 |
7.47 |
13.79 |
33.02 |
29.18 |
16.55 |
11.81 |
19.20 |
10.79 |
7.45 |
2.50 |
8.48 |
4.84 |
5.63 |
5.57 |
19.19 |
7.35 |
7.24 |
33.08 |
11.63 |
7.51 |
10.58 |
7.02 |
13.21 |
15.61 |
16.03 |
2.40 |
|
VSMGX (VANGUA...R SHARES)
|
NA |
9.62 |
13.24 |
22.29 |
22.43 |
NA |
NA |
41.18 |
9.62 |
4.17 |
8.15 |
21.74 |
3.53 |
22.43 |
3.12 |
11.47 |
1.14 |
6.20 |
8.34 |
4.70 |
5.67 |
6.27 |
12.90 |
8.64 |
19.61 |
36.81 |
6.11 |
6.13 |
4.74 |
5.89 |
8.91 |
20.06 |
17.93 |
8.77 |
6.26 |
11.99 |
6.02 |
4.75 |
1.82 |
1.89 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
Yield(%)
|
Ameriprise Fi... Moderate
|
NA |
1.04 |
2.17 |
1.79 |
2.35 |
NA |
NA |
2.87 |
NA |
NA |
NA |
NA |
NA |
0.91 |
3.03 |
2.58 |
0.09 |
1.50 |
2.05 |
1.29 |
1.18 |
5.40 |
5.28 |
2.29 |
4.47 |
4.40 |
2.78 |
3.89 |
2.65 |
2.99 |
3.45 |
3.00 |
1.35 |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VFINX (VANGUA...R SHARES)
|
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
|
VSMGX (VANGUA...R SHARES)
|
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
NA |
Retirement Plan (401(k)) Info for Ameriprise Financial 401(k) Plan
