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Lessons Learned: Actions you can take after the Great Recession

Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. © 2010 Ameriprise Financial, Inc. All rights reserved. (4/10)

Why I do what I do

Cash & LiabilitiesSmart cash and debtmanagement strategiesthat can help you findadditional assets and save moreeffectively.

ProtectionFind ways to protect your life,

family, auto and the things you

care about.

InvestmentsBuild investment strategies to help you reach your longer-term goals.

TaxesLeverage tax

strategies to help youmore effectively reach

your goals and plan your estate.

The Four Cornerstones

> How we arrived where we are today.

> Putting today’s markets in historical perspective.

> Fundamental investment strategies to help you deal with and even find opportunity in volatile markets.

> Managing emotions as part of the investment process.

> Steps to consider taking now.

Ameriprise Financial cannot guarantee future financial results. Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor or attorney regarding specific tax issues.

Evaluating market

volatility

> An oversupply of lending which drove up home values and resulted in the eventual collapse of the U.S. housing market.

> Repercussions from the subprime mortgage crisis which spread to global capital markets.

> The residual impact of the current credit crisis and the follow-on effect it has had on the global economy.

What’s been driving market

volatility?

> Real estate prices collapse.> Largest one-day loss in the Dow Jones

Industrial Average.> Sub-prime bond market collapses, real

estate continues to decline, credit dries up, savings institutions weaken.

> Government bailout is enacted. Billions of taxpayer dollars spent to deal with failing lending institutions.

> Recession sets in leading to another stock market decline.

1987-1991

I read the news today

The Dow Jones Industrial Average is an unmanaged index that follows the returns of 30 well-established American companies, and is frequently used as a general measure of market performance. The index reflects reinvestment of all distributions and changes in the market prices, but excludes brokerage commissions and other fees. It is not possible to invest directly in an index.

The “flaw” of averages

S&P 500 Annual Returns 1926-2009

The Standard & Poor’s 500 Stock Market Index (S&P 500) is an unmanaged index and is not intended to represent specific mutual funds. Investors cannot invest directly in an index. Individual results may vary due to management fees, transaction costs and taxes. Performance figures do not take into account the fees and expenses of investing. Past performance is no guarantee of future results.

Source: Morningstar for 1926 to 1969; Standard & Poor’s,1970 to present.

Measuring volatility

S&P 500 stock index 1926-2009Average return has been 9.6%

Standard deviation (volatility) has been about 20%

Range of returns is about 50% to -30%

Probability range is 95% — returns can be worse (or better) than those shown here

9.6%

29.6%

49.6%

-10.4%

-30.4%

Source: 2009 Standard and Poor’s 500 Stock Market Index. The Standard & Poor’s 500 Stock Market Index (S&P 500) is an unmanaged index and is not intended to represent specific mutual funds. Investors cannot invest directly in an index. Individual results may vary due to management fees, transaction costs and taxes. Performance figures do not take into account the fees and expenses of investing. Past performance is no guarantee of future results.

50%1954 1933  

54%40%

1958 1928 1935  49%30%

1991 1938 1955 1989 1950 1985 1980 1997 1936 1945 1975 1927 1995  39%20%

1942 1999 1982 1983 1963 1996 1976 1967 1951 1943 2009 1961 1998 2003  29%10%

1968 1926 1959 1965 1971 2006 1964 1988 1952 1979 1986 1949 1972 1944  19%0%

1960 1994 1970 2005 1987 2007 1948 1947 1984 1956 1978 1992 1993 2004  9%0%

1957 1966 1940 2000 1962 1969 1929 1932 1946 1977 1981 1990 1934 1953 1939-9%

-10%1973 2001 1941                        

-19%-20%

1974 1930 2002  -29%-30%

2008 1937  -39%-40%

1931  -44%

Stock market returns over time

Source: Chart created by Ameriprise Seminar Development based on 2009 data from the Standard & Poor’s 500 Market Index.

Return S&P 500 group of stocks Annual returns from 1926 to 2009

Year

S&P 500 historical range of returns

The highest return is represented by the top of each bar and the lowest annual return is shown at the bottom. The rolling 5-,10- and 20-year ranges are also shown. Over time, lower performing years will be offset by higher performing years and vice versa. Therefore the range of the historical returns over the entire period is narrower than the range of returns in any single year. Returns over 1 year in length are annualized.

1970-2009

1 year 5 years 10 years 20 years

61%

30% 19% 18%

7%

-2%-7%

- 43%

Positive change

No change

Negative change

Rolling averages

Source: Chart created by Ameriprise Seminar Development based on 2009 data from Standard & Poor’s 500 Market Index.

Looking back over the current decade

-9%

30

25

20

15

10

5

0

-5

-10

-15

-20

-25

-30

-35

-40

-12%

- 23%

28%

11%

5%

16%

5%

26%

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

-37%

Source: Chart created by Ameriprise Seminar Development based on 2009 data from Standard & Poor’s 500 Market Index.

Comparing this decade to others

Annualized performance of the S&P 500

20

15

10

5

0

-5

19%

20s 30s 40s 50s 60s 70s 80s 90s 0(1925 – 1929) (2000 – 2009)

9%

-0.05%

9%8%

6%

18%

-1%

18%

Source: Chart created by Ameriprise Seminar Development based on 2009 data from Standard & Poor’s 500 Market Index.

> Diversify to manage business, market, and interest rate risk.

> Rebalance your portfolio if it is appropriate.

> Consider current and future tax ramifications of your actions.

> Dollar-cost average to help keep your investment strategy on track.

> Manage your emotions by following a disciplined plan based on solid fundamentals, not emotion.

Dollar-cost averaging involves continuous investment in securities, regardless of fluctuating price levels. Investors should consider their ability to continue purchases through periods of low price levels. Diversification and asset allocation help spread risk throughout your portfolio, so that investments that do poorly may be balanced by others that do relatively better. Dollar-cost averaging, diversification and asset allocation do not guarantee overall portfolio profit or protect against loss in declining markets.

Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor or attorney regarding specific tax issues.

Long-term investing

strategies

Historic volatility by standard deviation

S&P 500 Stock Index

1976-2009

11%

26%

41%

-4%

-19%

Barclays Capital Aggregate Bond Index (formerly Lehman Aggregate Bond Index) 1976-2009

Stocks

Bonds

20%

14%

8%

3%

-3%

Sources: 2009 Standard & Poor’s 500 Stock Market Index and Barclays Capital Aggregate Bond Index . Barclays Capital Aggregate Bond Index (formerly Lehman Brothers Aggregate Bond Index), an unmanaged index, is made up of a representative list of government, corporate, asset-backed and mortgage-backed securities. The index is frequently used as a general measure of bond market performance. Investors cannot invest directly in an index. Past performance is no guarantee of future results.

> Asset classes

(stocks, bonds, cash, real estate, etc.)> Investment products

(mutual funds, annuities, ETFs)> Tax characteristics

(taxable, tax-deferred, tax-free)

Diversification helps you spread risk throughout your portfolio, so that investments that do poorly may be balanced by others that do relatively better. Diversification and asset allocation do not guarantee overall portfolio profit or protection against loss.

Diversification considerations

Barclays Capital Aggregate Bond Index (formerly Lehman Brothers Aggregate Bond Index)

Diversification helps temper volatility

Performance of Stocks, Bonds and 50/50 Mix 1990 to 2009

1990 1999

S&P 500 Index 50/50 Mix

2009

Source: Chart created by Ameriprise Seminar Development based on data from 2009 Standard and Poor’s, Barclay’s Capital. Combined returns based on calculation of 50% of S&P 500 return, 50% of Barclays Capital Aggregate Bond Index return. Past performance does not guarantee future results. These examples do not reflect sales charges, taxes or other costs associated with investing.

-40.00%

-30.00%

-20.00%

-10.00%

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

Barclays Capital Aggregate Bond Index (formerly Lehman Brothers Aggregate Bond Index)

Diversification helps temper volatility

Performance of Stocks, Bonds and 50/50 Mix 1990 to 2009

1990 1999

S&P 500 Index 50/50 Mix

2009

Source: Chart created by Ameriprise Seminar Development based on data from 2009 Standard and Poor’s, Barclay’s Capital. Combined returns based on calculation of 50% of S&P 500 return, 50% of Barclays Capital Aggregate Bond Index return. Past performance does not guarantee future results. These examples do not reflect sales charges, taxes or other costs associated with investing.

-40.00%

-30.00%

-20.00%

-10.00%

0.00%

10.00%

20.00%

30.00%

40.00%

50.00%

Rebalancing helps keep you on track

Initial allocation Rebalance backOne year later

50% Bonds

50% Stocks

50% Stocks

50% Bonds

40% Bonds

60% Stocks

Dollar-cost averaging

Average price: $15.00 per share Average cost: $14.19 per shareInvested amount: $6,000.00 Ending value: $8,456.40

Dollar-cost averaging does not guarantee a profit or protect against losses in a declining market. Investors should consider their ability to continue investing during periods of low markets. This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

$25

$20

$15

$10

$5

$01 2 3 4 5 6

Price rises

Dollar-cost averaging

Average price: $15.00 per share Average cost: $13.85 per shareInvested amount: $6,000.00 Ending value: $8,666.80

This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

$25

$20

$15

$10

$5

$01 2 3 4 5 6

Downturn followed by full recovery

Dollar-cost averaging

Average price: $10.83 per share Average cost: $9.73 per shareInvested amount: $6,000.00 Ending value: $7,166.70

This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

$25

$20

$15

$10

$5

$01 2 3 4 5 6

Downturn followed by partial recovery

Three markets — three positive results

Invested $6,000 in monthly $1,000 increments

This illustration is hypothetical and is not a forecast or guarantee of specific investment results.

$10,000

$7,500

$5,000 Market goes up

$8,456

Market down:full recovery

$8,667

Market down:partial recovery

$7,167

Understanding emotional investing

Optimism

Relief

Hope“Things may be turning around.”

Excitement

Thrill

Optimism

“Wow, I ammaking money.I feel good about this investment.”

Euphoria A high point of financial risk

Fear

Denial“This is just a temporary setback.”

Desperation

Anxiety

PanicCapitulation

Despondency“I think I need to sell.”

Depression

A low point of financial opportunity

Source: Radarwire.com. A product of Simon Economic Systems, Ltd.

Average equity investor lags the market

Equity market returns v. equity mutual fund investors’ returns

0%

4%

8%

12%

16%

Source: : Chart created by Ameriprise Seminar Development based on data from Dalbar, Inc., 2009 Quantitative Analysis of Investor Behavior for the period (1988 - 2008). Benchmark returns represented by total returns of the S&P 500. Performance figures do not take into account the fees and expenses of investing. Past performance is no guarantee of future results.

S&P 500 Index

8.4%

1.9%2.9%

Average equityFund investor

Inflation

> Focuses on your goals, not short-term market conditions.

> Assesses your risk tolerance.> Employs time-tested disciplines to dampen

market volatility, such as rebalancing, dollar-cost averaging and opportunity purchases.

> Takes taxes into consideration.> Helps you neutralize the inclination to make

emotional investment decisions.> Provides for review and rebalancing on a regular

basis.> A financial plan may help you feel more on track

during market turmoil.

Benefits of a personalized

financial plan

> Diversify, diversify, diversify.> Rebalance or review your asset

allocation.> Use Dollar-cost averaging.> Avoid market timing, but prepare for

opportunities.> Don’t let your emotions affect your

financial future.> Obtain or review your financial plan.

Considerations

Next steps

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Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. © 2010 Ameriprise Financial, Inc. All rights reserved.