Your asset allocation

The asset allocation section on your statement gives you an easy, at-a-glance way to track the diversification of your investments over time. A clear view into how your investments are allocated across asset classes is important for any investment strategy.

To give you an understanding of how your investments are categorized on your statements, we’ve laid out each of the six asset classes below and listed the types of investments they include. Since the classes include a ‘look through’ into holdings with certain investments, some classes below include exposure from a mutual fund, ETF, UIT or annuity subaccount.

This example allocation and the values shown are for illustrative purposes only; are not representative of a specific investor, current or future investment allocations, and is not intended to serve as an investment recommendation.

Asset classes and what's included

Cash & cash investments

Cash
Includes readily accessible money market or bank deposit assets held in your brokerage sweep account.

With the “look through” feature, cash investments within a mutual fund, insurance policy or annuity contract are included in this category.

Cash Investments
Cash investments are generally less readily available than liquid cash. These may include assets that are held within an investment product such as a mutual fund, ETF or annuity. This segment also includes money market funds, certificates as well as treasuries and CDs that have a maturity of less than 3 months.

Fixed income

U.S. Government
Both Treasury and agency US Government debt and CDs with maturity greater than 3 months.

U.S. Investment Grade Corporate
Can include Preferreds and Convertibles rated Baa3/BBB- or higher by Moody’s or S&P. Structured products with principal protection from the issuer are classified as fixed income. The type of fixed income is based on the rating of the issuer, which is typically investment grade.

Municipals
High Yield Bond
Can include Preferreds and Convertibles rated below Baa3/BBB- by Moody’s or S&P.

Developed Foreign Bond
Emerging Foreign Bond
Other Bond
Includes unrated Preferreds and Convertibles.

Equities

Domestic stock
U.S. stocks across large, mid and small caps, as well as value and growth segments.

Foreign stock
Developed & Emerging Foreign Equities

Other Stock
Includes structured products without principal protection and which are tied to an equity index or one or more equities. May also include stock in private companies, penny stocks etc.

Alternatives

Real Assets
Commodities, non-traded REITs and non-traded BDCs
Alternative Strategies
Hedge Funds, managed futures, long-short strategies, non-traditional bond funds

Derivatives

Derivatives
Individual options and futures

Other assets

Other
Holdings for which we temporarily lack classification data (typically newly purchased securities, securities which recently underwent a corporate action, or certain annuity subaccounts). Can include derivatives held inside of mutual funds or other pooled investments. A small number of Structured products that are neither principal protected nor tied to an equity index may be classified here.

Structured Notes are a form of corporate debt that are designed to offer exposure to a portion or all of the risks and returns of one or more referenced securities or indexes. Some structured notes may also be leveraged. Structured Notes vary in complexity and are subject to the issuers’ credit risk and run the risk of going down to a value of zero. In certain cases, as would be defined in the prospectus, when the referenced securities or indexes decline past a contracted point the issuer of the note may choose to deliver shares or an equivalent cash value of the underlying securities to fulfill the remainder of its obligation leaving the investor with a depressed position, including a value of zero.

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At Ameriprise, the financial advice we give each of our clients is personalized, based on your goals and no one else's.

If you know someone who could benefit from a conversation, please refer me.

Background and qualification information is available at FINRA's BrokerCheck website.

Investments products 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.

Diversification and asset allocation strategies can help protect against certain investment risks, but do not assure a profit or protect against loss.

Ameriprise Financial Services, LLC. Member FINRA and SIPC.

Understanding how Ameriprise creates your asset allocation view

Asset classes and what's included