Form 497VPI RIVERSOURCE VARIABLE
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RAVA Vista Variable Annuity
Individual Flexible Purchase Payment Deferred Variable
Annuity
| Issued by: |
RiverSource Life Insurance Company (RiverSource Life) |
| |
70100 Ameriprise Financial Center
Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center)
ameriprise.com/variableannuities |
Summary Prospectus for New Investors
May 1, 2026
This Summary Prospectus summarizes key features of the RiverSource RAVA Vista Variable Annuity (the Contract), an individual flexible purchase
payment deferred variable annuity issued by RiverSource Life Insurance Company (“RVS Life”,
“we”, “us” and “our”). Before you invest, you should also review the prospectus for the Contract, which contains more information about the Contract’s features, benefits, and risks. You can find this document and other information about the Contract online at riversource.com/annuities. You can also obtain this information at no cost by calling 1-800-862-7919, by sending an email request to
[email protected], or by calling your financial advisor.
You may cancel your contract within 10 days of
receiving it without paying fees or penalties.
In some states, this cancellation period may be longer. Upon cancellation, you will receive your Contract value and will not be assessed any fees
or penalties on that amount. Alternatively, if state law requires, you will instead receive a refund of purchase payments and will not be assessed any fees or
penalties. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that
apply.
Additional information about certain investment products, including variable annuities, has been prepared by the
Securities and Exchange Commission’s staff and is available at Investor.gov.
The Securities and Exchange Commission has not approved or disapproved these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 1
Key Terms
These terms can help you understand details about your Contract.
Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.
Annuitization start date: The date when annuity payments
begin according to the applicable annuity payment plan.
Annuity
payouts: An amount paid at regular intervals under one of several plans.
Beneficiary: The person you designate to receive benefits in case of your death while the Contract is in force.
Close of
business: The time the New York Stock Exchange (NYSE) closes (4 p.m. Eastern time unless the NYSE closes earlier).
Code: The Internal Revenue Code of 1986, as amended.
Contract value: The total value of your Contract at any point in time. The Contract value is the sum of the contract value in the Special DCA Fixed Account and Contract value in the Variable Account.
Contract year: A period of 12 months, starting on the effective date of your Contract and on each anniversary of the effective date.
Funds: A portfolio of an open-end management investment company that is registered with the Securities and Exchange Commission (the "SEC") in which the Subaccounts invest. May also be referred to as an underlying Fund.
Good order: We cannot process your transaction request relating to the Contract until we have received the request in good order at our Service Center. “Good order” means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in “good order”, your instructions must be sufficiently clear so that we do not need
to exercise any discretion to follow such instructions. This information and documentation generally
includes your completed request; the Contract number; the transaction amount (in dollars); the names of and
allocations to and/or from the subaccounts and the fixed account affected by the requested transaction;
Social Security Number or Taxpayer Identification Number; and any other information, forms or supporting
documentation that we may require. For certain transactions, at our option, we may require the signature of
all Contract owners for the request to be in good order. With respect to purchase requests, “good
order” also generally includes receipt of
sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular
transaction request is in good order, and we reserve the right to change or waive any good order
requirements at any time.
Owner (you,
your): The person or persons identified in the Contract as owner(s) of the Contract, who has or have the right to control the Contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant.
During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives
the Contract’s benefits. The owner or any joint owner may be a nonnatural person (e.g. irrevocable
trust or corporation) or a revocable trust. If any owner is a nonnatural person or a revocable trust, the
annuitant will be deemed to be the owner for Contract provisions that are based on the age or life of the
owner. When the Contract is owned by a revocable trust or irrevocable grantor trust, the annuitant(s)
selected must be the grantor(s) of the trust to assure compliance with Section 72(s) of the Code. Any
Contract provisions that are based on the age of the owner will be based on the age of the oldest owner.
Any ownership change, including continuation of the Contract by your spouse under the spousal continuation
provision of the Contract, redefines “owner”, “you” and “your”.
Partial Surrender: The withdrawal of part of your
Contract value. Throughout this prospectus, a Partial surrender includes the term
“withdrawal."
Service
Center: Our department that processes all transaction and service requests for the Contracts. We consider all transaction and service requests received when they arrive in good order at the Service Center. Any transaction or service requests sent or directed to any
location other than our Service Center may end up delayed or not processed. Our Service Center address
and telephone number are listed on the first page of the prospectus.
Subaccount: A division of the Variable Account, each of which invests in one Fund.
Valuation
date: Any normal business day, Monday through Friday, on which the NYSE is open, up to the time it closes. At the NYSE close, the next valuation date begins.
Variable Account: Refers to the RiverSource Variable Account 10, a Separate
Account established to hold Contract
owners’ assets allocated to the Subaccounts,
each of which invests in a particular
Fund.
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 3
Overview of the Contract
Purpose: The purpose of the contract is to allow you to accumulate money for retirement or a similar
long-term goal. You do this by making one or more purchase payments.
The contract offers various optional features and benefits that may help you
achieve financial goals.
It may be appropriate for you if you have a long-term investment horizon and your financial goals are consistent with the
terms and conditions of the contract.
It is not intended for investors whose liquidity needs require
frequent withdrawals in excess of the free amount. If you plan to manage your investment in the contract by frequent or short-term trading, the contract is not
suitable for you.
Phases of the Contract:
The contract has two phases: the Accumulation Phase and the Income Phase.
Accumulation Phase. During the Accumulation Phase, you make purchase payments and invest in: available subaccounts, each of which has a particular investment objective, investment strategies, fees and expenses and the Special DCA
Fixed Account that earns a declared rate of interest. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund’s performance or deduction of fees, the contract (and any death benefit riders) will no longer be in force and the contract will terminate.
A list of funds and additional information regarding each investment option available under the
contract is provided in Appendix A – Investment Options Available Under the Contract.
The amount of money you accumulate under your contract depends (in part) on the performance of the subaccounts you choose or the rates you earn on allocations to the Special DCA Fixed Account. You may transfer money between
subaccounts during the Accumulation Phase, subject to certain restrictions. Your contract value impacts the value of your contract’s benefits during the Accumulation Phase, including any optional benefits, as well as the amount
available for withdrawal, annuitization and death benefits.
Income Phase. The Income Phase begins when you (or your beneficiary) choose to annuitize the contract. You can apply your contract value (less any applicable premium tax
and/or other charges) to an annuity payout plan that begins on the annuitization start date or any other date you elect. You may choose from a variety of plans that can help meet your retirement or other income
needs. We can make payouts on a fixed or variable basis, or both. You cannot take withdrawals of contract
value or surrender the contract during the Income Phase.
All optional death benefits terminate after the annuitization start date.
Contract Features:
•
Death Benefits. If you die during the Accumulation Phase, we will pay a death benefit to your beneficiary or beneficiaries. All contracts
include a Standard Return of Purchase Payment (ROPP) Death Benefit at no additional charge. Non-qualified contracts can elect to opt out of the Standard ROPP Death Benefit and
instead receive the Contract Value Death Benefit for a reduced mortality and expense risk charge. If you
select the Contract Value Death
Benefit, your beneficiary will only
receive the contract value as of the day we receive due proof of death, which is impacted by investment performance and charges. If you elect the Contract Value Death Benefit, you will not have a guaranteed return of purchase payments at death.
•
Optional Death Benefits. You may be able to purchase an optional death benefit available under the Contract, including the MAV Death Benefit, the 5-Year MAV Death Benefit, the Benefit Protector Death Benefit or the Enhanced Legacy
Benefit, that provides additional death benefits for an additional fee. These optional death benefits may
increase the amount of money payable upon death. Optional death benefits must be elected at the time that the
contract is purchased. After the death benefit is paid the contract will terminate.
•
Surrenders. You may surrender all or part of your contract
value at any time during the Accumulation Phase. If you request a full surrender, the contract will
terminate. You also may establish automated partial surrenders. Full and partial surrenders may be subject to charges and income taxes (including a 10% IRS penalty that may apply if you surrender prior to reaching age 59½) and may have other tax consequences.
•
Tax Treatment. You can transfer money between subaccounts
without tax implications, and earnings (if any) on your investments are generally tax-deferred. Generally, earnings are not taxed until they are distributed, which may occur
when making a withdrawal, upon receiving an annuity payment, or upon payment of the death benefit.
4 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
Additional
Services:
•
Dollar Cost Averaging Programs. Automated Dollar Cost Averaging allows you, at no additional cost, to
transfer a set amount monthly between subaccounts. Special Dollar Cost Averaging (SDCA), only available for new purchase payments, allows the systematic transfer from
the Special DCA fixed account to one or more eligible subaccounts over a 6 or 12 month period.
•
Asset Rebalancing. Allows you, at no additional cost, to automatically rebalance the subaccount portion of your contract value on a periodic basis.
•
Income Guide. An optional service, available without charge,
which provides reporting and monitoring of withdrawals you take from your contract (no longer available for
new enrollments effective July 1, 2026).
•
Automated Partial Surrenders. An optional service allowing you to set up automated partial surrenders from the Special DCA fixed account or the subaccounts.
•
Electronic Delivery. You may register for the electronic delivery of your current prospectus and other documents related to your
contract.
RiverSource RAVA Vista Variable Annuity — Summary Prospectus 5
Important Information You Should
Consider About the Contract
| |
FEES, EXPENSES AND
ADJUSTMENTS |
Location in
Statutory
Prospectus | ||
| Are There Charges
or Adjustments for
Early
Withdrawals? |
Yes. If you make a withdrawal or surrender during the first 7 contract years, you will be assessed a surrender charge of up to 7% of the Purchase Payment. For example, if you make a withdrawal, you could pay a surrender charge of
up to $7,000 on a $100,000 investment. |
Fee Table and
Examples
Charges and
Adjustments –
Transaction
Expenses –
Surrender Charge | ||
| Are There
Transaction
Charges? |
No. Other than surrender charges, we do not assess any transaction charges. |
| ||
| Are There Ongoing
Fees and
Expenses? |
Yes. The table below describes the current fees and expenses that you may pay each year, depending on the options you choose. Please refer to
your Contract Data page for information about the specific fees you will pay
each year based on the options you have elected.
|
Fee Table and
Examples
[Expenses – Product Charges] Appendix A: Investment Options Available Under the Contract | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract(1) (varies by death benefit option, age band, size band and Contract value) |
0.93%
|
1.58%
| ||
| Fund options
(funds fees and expenses)(2) |
0.51%
|
2.32%
| ||
| Optional benefits available for an
additional charge
(for a single optional benefit, if
elected)(3) |
0.10%
|
1.00%
| ||
| (1) As a percentage of average daily contract value in the variable account. Includes the Mortality and Expense Fee and contract administrative charge. (2) As a percentage of Fund net assets.
(3) As a percentage of Contract Value or the greater of Contract Value or applicable guaranteed benefit amount (varies by optional benefit). The Minimum is a percentage of
average daily contract value in the Variable Account. The Maximum is a percentage of the
greater of Contract Value or guaranteed death benefit amount.
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your
Contract, the following table shows the lowest and highest cost
you could pay each year, based on current charges. This estimate
assumes that you do not take withdrawals from the Contract,
which could add surrender charges that substantially increase costs. | ||||
| Lowest Annual Cost:
$1,380
|
Highest Annual Cost:
$2,723
| |||
| Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive combination of Contract features and Fund fees and expenses •No optional benefits
•No sales charge •No additional purchase payments,
transfers or withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of Contract features, optional benefits and Fund fees and expenses •No sales charge
•No additional purchase payments, transfers or withdrawals | |||
6 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| |
RISKS |
Location in
Statutory
Prospectus | ||
| Is There a Risk of
Loss from Poor
Performance? |
Yes. You can lose money by investing in this Contract including loss of principal. |
Principal Risks of
Investing in the
Contract | ||
| Is This a
Short-Term
Investment? |
No.
•The Contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash because the contract is
designed to provide for the accumulation of retirement savings and
income on a long-term basis.
•The Contract has a surrender charge that may apply for the first seven years. The surrender charges may reduce the value of your Contract if you withdraw money during that time. Surrenders may also reduce Contract guarantees. •Surrenders may also be subject to taxes and tax penalties.
•The benefits of tax deferral and long-term income mean the contract is generally more beneficial to investors with a long term investment horizon. |
Principal Risks of
Investing in the
Contract
Charges and
Adjustments –
Transaction
Expenses –
Surrender Charge | ||
| What Are the
Risks Associated
with the
Investment
Options? |
•An investment in the Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the Contract.
•Each investment option (including under any fixed account investment options) has its own unique risks. •You should review the investment options before making any investment
decisions. |
Principal Risks of
Investing in the
Contract
The Variable Account and the
Funds | ||
| What Are the
Risks Related to
the Insurance
Company? |
Any obligations (including under the Fixed Account), guarantees or benefits
we may provide under the contract that exceed the value of
amounts held in the Variable Account are subject to our financial strength and
claims-paying ability. If we experience financial distress, we may not be
able to meet our obligations to you. More information about
RiverSource Life, including our financial strength ratings, is
available by contacting us at 1-800-862-7919. |
Principal Risks of
Investing in the
Contract
The General
Account | ||
| |
RESTRICTIONS |
| ||
| Are There
Restrictions on
the Investment
Options? |
Yes.
•Subject to certain restrictions, you may transfer your Contract value among the subaccounts without charge at any time before the annuitization start date, and once per contract year after the
annuitization start date. •We reserve the right to modify, restrict or suspend your transfer
privileges if we determine that your transfer activity
constitutes market timing.
•We reserve the right to limit the number of transfers allowed each contract year. The limit will not be less than 12 transfers per contract year.
•We reserve the right to add, remove or substitute Funds as investment options. We also reserve the right, upon notification to you, to close or
restrict any Funds. |
Making the Most
of Your Contract –
Transferring
Among Accounts
Substitution of
Investments | ||
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 7
| |
RESTRICTIONS |
Location in
Statutory
Prospectus | ||
| Are There Any
Restrictions on
Contract
Benefits? |
Yes.
•Enhanced Legacy Benefit limits or restricts the investment options
you may select under the Contract. If you later decide you do not
want to invest in those approved investment options, you must
request a full surrender.
•Enhanced Legacy Benefit may limit subsequent purchase
payments. •Withdrawals may substantially reduce the benefit. •We may stop offering an optional benefit at any time for new
sales. |
Buying Your
Contract –
Purchase
Payments
Appendix A:
Investment
Options Available
Under the
Contract – Funds
Available Under
the Enhanced Legacy Benefit
| ||
| |
TAXES |
| ||
| What Are the
Contract’s Tax
Implications? |
•Consult with a tax advisor to determine the tax implications of an investment in and payments and withdrawals received under this Contract. •If you purchase the Contract through a tax-qualified plan or individual
retirement account, you do not get any additional tax
benefit. •Earnings under your contract are taxed at ordinary income tax rates generally when withdrawn. You may have to pay a 10% tax penalty if you take a withdrawal before age 59½. |
Taxes | ||
| |
CONFLICTS OF INTEREST
|
| ||
| How Are
Investment
Professionals
Compensated? |
•Your investment professional may receive compensation for selling this Contract to you, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. This financial incentive may
influence your investment professional to recommend this Contract over
another investment for which the investment professional is not
compensated or compensated less. |
About the Service
Providers | ||
| Should I Exchange
My Contract? |
If you already own an annuity or insurance Contract, some investment
professionals may have a financial incentive to offer you a new
Contract in place of the one you own. You should only exchange a
Contract you already own if you determine, after comparing the
features, fees, and risks of both Contracts, that it is better
for you to purchase the new Contract rather than continue to own
your existing Contract. |
Buying Your
Contract –
Contract
Exchanges | ||
8 RiverSource RAVA
Vista Variable Annuity — Summary Prospectus
Additional Information About
Fees
The following tables describe the fees, expenses and adjustments that you will pay when buying, owning, surrendering, or making withdrawals from an investment option or from the
Contract. Please refer to your Contract Data page for information about the specific fees you will pay each year based on the options you have elected.
The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract. State premium taxes also may be
deducted.
Transaction Expenses
Surrender Charges
(as a percentage of purchase payments surrendered)
(as a percentage of purchase payments surrendered)
| |
|
| Maximum Surrender Charge Percentage |
7 % |
| Contract Year(1) |
Surrender Charge Percentage |
| 1 |
7 % |
| 2 |
7 |
| 3 |
7 |
| 4 |
6 |
| 5 |
5 |
| 6 |
4 |
| 7 |
2 |
| 8+ |
0 |
(1)
For the purpose of surrender charge calculations, we consider that the year is completed one day prior to the contract anniversary.
The next table describes the fees and expenses that you will pay each year during the time that you own the contract (not including Funds fees and expenses). If you choose to purchase an optional benefit, you will pay
additional charges, as shown below.
Annual Contract Expenses
Administrative Expenses
(assessed annually and upon full surrender)
(assessed annually and upon full surrender)
| Annual contract administrative charge* |
Maximum: $65 |
Current: $50 |
| Annual contract administrative charge if your contract value equals or exceeds
$50,000 |
Maximum: $15 |
Current: $0 |
*
Upon full surrender of the contract, we will assess this charge even if your contract value equals or exceeds $50,000.
Base Contract Expenses(1)
(as a percentage of average daily contract value in the variable account)
(as a percentage of average daily contract value in the variable account)
Age band is determined based on your age on the application date. Size band is determined quarterly and for the first
contract year only, at the time of each purchase payment. For more information on how we determine age band
and size band, please see section " Charges and Adjustments – Annual Contract Expenses – Mortality and Expense Risk Fee".
(1)
Base Contract Expenses are called Mortality and Expense Risk Fee in the Contract and elsewhere in this prospectus.
Standard ROPP Death Benefit
| Age Band |
Size Band |
Base Contract Expenses |
| 0-80 |
Less than $1,000,000 |
1.20 % |
| 0-80 |
$1,000,000 and greater |
1.10 % |
| |
|
|
| 81+ |
Less than $1,000,000 |
1.55 % |
| 81+ |
$1,000,000 and greater |
1.45 % |
Contract Value Death Benefit
For non-qualified contracts only, you can opt out of the Standard ROPP Death Benefit
and select the Contract Value Death Benefit.
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 9
| Age Band* |
Size Band |
Base Contract Expenses |
| All Ages |
Less than $1,000,000 |
1.00 % |
| All Ages |
$1,000,000 and greater |
0.90 % |
* For Contract
Value Death Benefit, the Mortality and Expense Risk Fee does not vary by age.
Optional Benefit
Expenses
Optional Death Benefits
If your contract has the Standard ROPP Death Benefit, you may select one of the
following optional death benefit riders for an additional fee.
| MAV Death Benefit |
Maximum: 0.25% |
Current: 0.25% |
| 5-year MAV Death Benefit |
Maximum: 0.10% |
Current: 0.10% |
(as a percentage of average daily Contract value
in the Variable Account)
If you choose one of the above optional death benefits, we will charge the rider fee in addition to your mortality and expense risk fee.
| Benefit Protector Death
Benefit |
Maximum: 0.25% |
Current: 0.25% |
(as a percentage of
contract value charged annually on the contract anniversary.)
| Enhanced LegacySM
Benefit |
Maximum: 1.75% |
Current: 1.00% |
(Charged annually on the contract anniversary. Prior to age 86, the charge is calculated
by multiplying the annual rider fee by the greater of the ROPP value, Accumulation Death Benefit (ADB) value (after any increase is added) or MAV or the contract value. On or following age 86, the charge is calculated by multiplying the annual rider fee by the greater of the ROPP value, ADB value (after any increase is added) or MAV).
The next table shows the minimum and maximum total operating
expenses charged by the Funds that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of investment options available under the contract, including their annual expenses, may be found in Appendix A.
Annual Fund Expenses(1)
| Total Annual Fund Expenses |
Minimum(%) |
Maximum(%) |
| (expenses deducted from the Fund assets, including management fees, distribution and/or service
(12b-1) fees and other expenses) |
0.51 |
2.32 |
(1)
Total annual Fund operating expenses are deducted from amounts that are allocated to the
Fund. They include management fees and other expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service
providers, including us and our affiliates, for administrative and contract owner services provided on
behalf of the Fund. The amount of these payments will vary by Fund and may be significant. See “The
Variable Account and the
Funds” for additional information, including potential conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in the sale of Fund shares. Because 12b-1 fees are paid out of Fund assets on an ongoing basis, you may pay more if you select Subaccounts investing in Funds that have adopted 12b-1 plans than if you select
Subaccounts investing in
Funds that have not adopted 12b-1 plans. For a more complete description of each Fund’s fees and expenses and important disclosure regarding payments the Fund and/or its affiliates make, please review the Fund’s prospectus and SAI.
Examples
These examples are intended to help you compare the cost of
investing in the contract. These costs include Transaction Expenses, Annual Contract Expenses, and Annual Fund expenses.
These examples assume that you invest $100,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year. The “Maximum” example further assumes the most expensive combination of Annual Contract Expenses reflecting the maximum charges, Annual Fund Expenses and optional benefits available. The “Minimum” example further assumes the least expensive combination of Annual Contract Expenses reflecting the current charges, Annual Fund Expenses and that no
optional benefits are selected. Although your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:
Maximum Expenses. These examples assume that you have the Standard ROPP Death Benefit and optional
Enhanced Legacy Benefit. Although your actual costs may be higher or lower, based on these assumptions your costs would be:
| If you surrender your contract at the end of the applicable time period: |
If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period: | ||||||
| 1 year |
3 years |
5 years |
10 years |
1 year |
3 years |
5 years |
10 years |
| $9,753 |
$15,769 |
$20,978 |
$35,559 |
$3,287 |
$10,029 |
$17,004 |
$35,509 |
10 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
Minimum Expenses. These
examples assume that you have a non-qualified contract, have elected the Contract Value Death Benefit and do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be:
| If you surrender your contract at the end of the applicable time period: |
If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period: | ||||||
| 1 year |
3 years |
5 years |
10 years |
1 year |
3 years |
5 years |
10 years |
| $8,136 |
$10,853 |
$12,342 |
$18,167 |
$1,548 |
$4,805 |
$8,292 |
$18,117 |
THE EXAMPLES ARE ILLUSTRATIVE ONLY. YOU SHOULD NOT CONSIDER THESE EXAMPLES AS A REPRESENTATION OF PAST OR FUTURE
EXPENSES. ACTUAL EXPENSES WILL BE HIGHER OR LOWER THAN THOSE SHOWN DEPENDING UPON WHICH OPTIONAL BENEFIT YOU ELECT OTHER THAN INDICATED IN THE EXAMPLES OR IF YOU ALLOCATE CONTRACT VALUE TO ANY OTHER AVAILABLE SUBACCOUNTS.
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 11
Buying the Contract
You
may purchase a contract by submitting an application through your financial advisor to our Service Center.
You can buy a contract if you are 90 or younger on the date the contract is issued.
Purchase Payments
Purchase payment amounts and purchase payment timing may vary by state and be limited under the terms of the contract. If we do not receive your initial purchase payment within 180 days from the
application signed date, we will consider your contract void from the start.
Minimum Initial Purchase Payments*
| Qualified annuities |
$2,000 |
| Nonqualified annuities |
$5,000 |
Minimum Additional Purchase Payments
$50
Maximum Purchase Payments** (without our prior approval) based on the contract year and your age on the effective date
of the payment:
| Maximum Purchase Payments Per Contract Year | |||
| |
through age 85 |
for ages 86 to 90 |
age 91 or older |
| For the first contract year |
$1,000,000 |
$100,000 |
$0 |
| Second contract year and thereafter |
$100,000 |
$50,000 |
$0 |
| Maximum Total Purchase Payments Per Owner (see the Purchase Payment
provision) | |||
| |
through age 85 |
for ages 86 to 90 |
age 91 or older |
| Total Purchase Payments |
$1,000,000 |
$100,000 |
$100,000 |
According to Our current administrative practice, the Maximum Purchase Payments may be higher than shown above and may vary by age and contract year. Contact Your advisor or Our Service Center for the current
Maximums.
*
If a payroll remittance is set up through your employer, the minimum initial purchase
payment is $50.
**
These limits apply in total to all RiverSource Life annuities you own unless a higher amount applies to your contract. We reserve the right to waive or increase the maximum limit. For qualified annuities, the Code’s limits
on annual contributions also apply. Additional purchase payments for inherited IRA contracts cannot be made unless the payment is IRA money inherited from the same
decedent.
Additional purchase payments cannot be made after spousal continuation or
continuation of a contract as an inherited IRA.
You may make regular payments to your contract under a scheduled payment plan. You
must make an initial purchase payment of $2,000 or $ 5,000 depending on the tax qualification.
Once the required initial purchase payment amount has been met, you can begin the scheduled payment plan by sending a completed form to the Service Center. Certain qualified plan
applications allow the establishment of a scheduled payment plan without meeting the required initial purchase payment amount. Contact your financial advisor for details. There
is no charge for the scheduled payment plan. You can stop your scheduled payment plan at any time.
Allocation of Purchase Payments
The contract provides for allocation of purchase payments to the subaccounts of the variable account and/or to the Special DCA fixed account.
Crediting Purchase Payments to Your Account
Initial Purchase Payments. If your application is complete, we will process it and apply your purchase payment to your investment selections within
two business days after we receive it at our Service Center. If we accept your application, we will send you a contract. If your application is not complete, you must give us the information to complete it within
five business days. If we cannot accept your application within five business days, we will decline it and return your payment unless you specifically ask us to keep the payment and apply it once your application is complete.
Subsequent Purchase Payments. We will credit additional purchase payments you make to your accounts on
the valuation date we receive them. If we receive an additional purchase payment at our Service Center before the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the valuation date we received the payment. If we receive an additional purchase payment at our Service Center at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date
after we received the payment.
12 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
Making Withdrawals: Accessing the Money in
Your Contract
You may surrender all or part of your contract at any time before the annuitization start date. If you make a full surrender you are entitled to receive the surrender value which is the contract value immediately prior to the surrender,
minus any applicable charges.
If you surrender all or part of your contract before the annuitization start date, we may deduct a surrender charge. A surrender charge applies if you surrender all or part of your contract value in the first seven contract
years. You may surrender an amount
during any contract year without a surrender charge. We call this amount the total free amount (FA). Please see “Charges - Surrender Charge” in your prospectus for more information about the FA.
We may ask you to return the contract. You may have to pay a contract administrative charge, surrender charges, or any
applicable optional rider charges and federal income taxes and penalties. State and local income taxes may
also apply. You cannot make surrenders after the annuitization start date except if you elect an annuity payout plan with guaranteed payouts.
Any partial
surrender you take under the contract will reduce your contract value. As a result, the value of your death benefit will be reduced.
In addition, surrenders you are required to take to satisfy the RMDs under the Internal Revenue Code of 1986, as amended may reduce the value of certain death benefits and optional benefits.
Please see “Surrenders” in your prospectus for more information about surrenders.
Requesting a Withdrawal
You can request to surrender all or part of your contract value by sending us a written request or calling us. If we receive your surrender request at our Service Center in good order before the close of the NYSE (4:00pm Eastern time unless the NYSE closes earlier), we will process your surrender using
the accumulation unit value we calculate on the valuation date we received your surrender
request. If we receive your surrender request at our Service Center in good order at or after the close of the NYSE
(4:00pm Eastern time unless the NYSE closes earlier), we will process your surrender using the accumulation
unit value we calculate on the next valuation date after we received your surrender request.
Normally, we will send the payment within seven days after receiving your request in
good order. However, we may postpone
the payment if:
–
the NYSE is closed, except for normal holiday and weekend closings;
–
trading on the NYSE is restricted, according to SEC rules;
–
an emergency, as defined by SEC rules, makes it impractical to sell securities or value the
net assets of the accounts; or
–
the SEC
permits us to delay payment for the protection of security holders.
We may also postpone payment of the amount attributable to a purchase payment as
part of the total surrender amount until cleared from the originating financial institution.
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 13
Benefits Available Under the Contract
The
following table summarizes information about the benefits available under the Contract.
| Name of Benefit |
Purpose |
Maximum Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
| Standard Benefits (no additional charge) | ||||
| Dollar Cost
Averaging |
Allows the systematic
transfer of a specified
dollar amount among
the subaccounts |
N/A |
N/A |
•Transfers not available to the Special DCA fixed account |
| Special Dollar
Cost Averaging
(SDCA) |
Allows the systematic
transfer from the
Special DCA fixed account to one or more
eligible subaccounts |
N/A |
N/A |
•Must be funded with a purchase payment, not transferred contract
value
•Only 6-month and 12-month options are available •Transfers occur on a monthly basis
and the first monthly transfer
occurs one day after we receive
your purchase payment
•You may not use the Special DCA fixed account as a destination for the Special DCA monthly transfer. |
| Asset
Rebalancing |
Allows you to have your
investments
periodically rebalanced
among the
subaccounts to your pre-selected percentages |
N/A |
N/A |
•You must have $2,000 in Contract
Value to participate. •We require 30 days notice for you to
change or cancel the program
•You can request rebalancing to be done either quarterly, semiannually or annually |
| Income Guide
(no longer
available for new
enrollments
effective
July 1, 2026) |
Provides reporting and
monitoring of
withdrawals you take
from your annuity |
N/A |
N/A |
•Contract owners must be at least age 50 and no older than age 85 •Available only if the servicing
broker-dealer on your contract is
Ameriprise Financial Services, LLC
•Not available if you are making substantially equal withdrawals •Not available if you have more than
one systematic withdrawal program
in place
•Systematic withdrawals must be set up according to the all the terms of Income Guide •Your contract cannot have any loans |
| Automated
Partial
Surrenders |
Allows automated
partial surrenders from the contract |
N/A |
N/A |
•Additional systematic payments are not allowed with automated partial
surrenders •May result in income taxes and IRS
penalty on all or a portion of the
amounts surrendered |
| Hospital or
Nursing Home
Confinement |
Allows you to withdraw
contract value without a surrender charge |
N/A |
N/A |
•You must be confined to a hospital
or nursing home for the prior
60 days or confinement began
within 30 days following a 60 day
confinement period
•You must be under age 76 on the |
14 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| Name of Benefit |
Purpose |
Maximum Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
| |
|
|
|
contract application date and
confinement must start after the
contract issue date
•Must receive your surrender request and written proof of confinement within 91 days after your release from the hospital or nursing home. If it is not reasonably possible to provide proof within such time, unless you are legally incapacitated, we must receive it as soon as possible and no later than one year after the 91 day period has expired. •Amount withdrawn must be paid
directly to you |
| Terminal Illness
Diagnosis |
Allows you to withdraw
contract value without a surrender charge |
N/A |
N/A |
•Terminal Illness diagnosis must occur after the contract is issued •Must be terminally ill and not
expected to live more than 12
months
•Amount withdrawn must be after the first contract anniversary and must be paid directly to you |
| Standard ROPP
Death Benefit |
Provides a guaranteed
death benefit equal to
the greater of the
Return of Purchase
Payment Value (ROPP)
or Contract Value after
any rider
charges have been
deducted |
N/A |
N/A |
•Withdrawals will proportionately reduce the benefit, which means your benefit could be reduced by more than the dollar amount of your withdrawals, and such reductions could be significant •Annuitizing the Contract terminates
the benefit |
| Contract Value Death Benefit |
Provides a minimum
death benefit equal to
the Contract Value |
N/A |
N/A |
•Annuitizing the Contract terminates the benefit •Only available for non-qualified
contracts |
| Optional Benefits | ||||
| MAV Death
Benefit |
Increases the
guaranteed death
benefit to the highest
anniversary contract value, adjusted for any
partial surrenders |
0.25% of average daily variable account value |
0.25% |
•Available to owners age 79 and
younger
•Must be elected at contract issue •Not available with Enhanced Legacy
Benefit or Contract Value Death
Benefit
•No longer eligible to increase on any contract anniversary on/after your 81st birthday. •Withdrawals will proportionately
reduce the benefit, which means
your benefit could be reduced by
more than the dollar amount of your
withdrawals. Such reductions could
be significant.
•Annuitizing the Contract terminates the benefit |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 15
| Name of Benefit |
Purpose |
Maximum Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
| 5-year MAV
Death Benefit |
Increases the
guaranteed death
benefit to the highest
5th anniversary
contract value, adjusted for any partial
surrenders |
0.10% of average daily variable account value |
0.10% |
•Available to owners age 75 and younger •Must be elected at contract issue
•Not available with Enhanced Legacy Benefit or Contract Value Death Benefit •No longer eligible to increase on
any contract anniversary on/after
your 81st birthday
•Withdrawals will proportionately reduce the benefit, which means your benefit could be reduced by more than the dollar amount of your withdrawals. Such reductions could be significant •Annuitizing the Contract terminates
the benefit |
| Benefit Protector
Death Benefit |
Provides an additional
death benefit, based
on a percentage of
contract earnings, to
help offset expenses
after death such as
funeral expenses or
federal and state taxes |
0.25% of contract value |
0.25% |
•Available to owners age 75 and younger •Must be elected at contract issue
•Available with the Standard ROPP Death Benefit, MAV or 5-year MAV •For contract owners age 70 and
older at issue, the benefit
decreases from 40% to 25% of
earnings
•Annuitizing the Contract terminates the benefit |
| Enhanced
LegacySM
Benefit |
Increases the
guaranteed death
benefit to the greater
of the MAV (i.e. the
highest anniversary
contract value) and ADB value (i.e purchase payments compounded at 5%), adjusted for any partial
surrenders |
1.75% of contract value
or guaranteed
death benefit
amount,
whichever is
greater (on or
after age 86,
1.75% of
guaranteed
death benefit
only) |
1.00% |
•Available to owners age 75 and
younger
•Available with the Standard ROPP Death Benefit •Must be elected at contract
issue
•Not available with any other death benefit rider •Subject to Investment Allocation
restrictions
•No longer eligible to increase on any contract anniversary on or after your 81st (for ADB value) or 86th (for MAV) birthday •Withdrawals will proportionately
reduce the benefit, which means
your benefit could be reduced by
more than the dollar amount of your
withdrawals. Such reductions could
be significant
•Annuitizing the Contract terminates the benefit |
16 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
Appendix A: Investment Options Available Under the
Contract
The following is a list of funds available under
the contract. More information about the funds is available in the prospectuses for the funds, which may be amended
from time to time and can be found online at riversource.com. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email
request to [email protected]. If you elect the Enhanced
Legacy Benefit, you may not be able to invest in certain funds. See table below, “Funds Available Under the Enhanced Legacy Benefit”.
The current expenses and performance information below reflects fee and expenses of
the funds, but do not reflect the
other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each
fund’s past performance is not necessarily an indication of future performance.
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks long-term growth
of capital. |
AB VPS Large Cap Growth Portfolio (Class B)
AllianceBernstein L.P. |
0.90% |
12.85% |
11.76% |
15.88% |
| Seeks long-term growth
of capital. |
AB VPS Relative Value Portfolio (Class B)
AllianceBernstein L.P. |
0.85%1 |
10.20% |
11.15% |
10.30% |
| Seeks long-term growth
of capital. |
AB VPS Sustainable Global Thematic
Portfolio (Class B)
AllianceBernstein L.P. |
1.20%1 |
6.02% |
3.02% |
9.80% |
| Seeks long-term capital
appreciation. |
Allspring VT Small Cap Growth Fund
(Class 2)
Allspring Funds Management, LLC, adviser;
Allspring Global Investments, LLC,
sub-adviser. |
1.16% |
9.25% |
(0.96%) |
9.94% |
| The Portfolio seeks
investment results that
correspond (before fees
and expenses) generally
to the price and yield
performance of its
underlying index, the
Alerian Midstream
Energy Select Index (the
"Index"). |
ALPS | Alerian Energy Infrastructure Portfolio
(Class III)
ALPS Advisors, Inc. |
1.30% |
4.66% |
22.06% |
10.70% |
| Seeks long-term growth
of capital. |
BlackRock Advantage SMID Cap V.I. Fund
(Class III)
BlackRock Advisors, LLC |
0.80%1 |
10.87% |
6.77% |
10.85% |
| Seeks high total
investment return. |
BlackRock Global Allocation V.I. Fund
(Class III)2 BlackRock Advisors, LLC, adviser; BlackRock (Singapore) Limited and BlackRock International Limited, subadvisers. |
1.01%1 |
19.42% |
5.51% |
7.33% |
| Seeks long-term capital
appreciation. |
BNY Mellon Sustainable U.S. Equity
Portfolio, Inc. (Service Shares)
BNY Mellon Investment Adviser, Inc.,
adviser; Newton Investment Management
Limited, subadviser. |
0.91% |
15.67% |
11.65% |
13.27% |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 17
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks to achieve a
competitive total return
through an actively
managed portfolio of
stocks, bonds and
money market
instruments which offer
income and capital
growth opportunity. |
Calvert VP SRI Balanced Portfolio (Class F)
Calvert Research and Management |
0.90% |
11.68% |
8.43% |
9.51% |
| Seeks long-term capital
appreciation. |
Columbia Variable Portfolio - Acorn Fund
Columbia Management Investment Advisers,
LLC |
0.86%1 |
4.47% |
1.02% |
8.66% |
| Seeks long-term capital
appreciation. |
Columbia Variable Portfolio - Acorn
International Fund
Columbia Management Investment Advisers,
LLC |
1.01%1 |
12.76% |
(1.00%) |
4.31% |
| Seeks maximum total
investment return
through a combination
of capital growth and
current income. |
Columbia Variable Portfolio - Balanced Fund
(Class 2)
Columbia Management Investment Advisers,
LLC |
0.96%1 |
13.75% |
8.45% |
9.48% |
| Seeks to provide
shareholders with total
return. |
Columbia Variable Portfolio - Commodity
Strategy Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.98%1 |
15.30% |
12.44% |
6.46% |
| Seeks total return,
consisting of long-term
capital appreciation and
current income. |
Columbia Variable Portfolio - Contrarian Core
Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.95%1 |
17.35% |
13.89% |
14.03% |
| Seeks long-term capital
appreciation. |
Columbia Variable Portfolio - Cornerstone
Equity Fund (Class 2) (previously Columbia
Variable Portfolio - Select Large Cap Equity
Fund (Class 2))
Columbia Management Investment Advisers,
LLC |
0.92% |
13.96% |
13.30% |
- |
| Seeks to provide
shareholders with
long-term capital growth. |
Columbia Variable Portfolio - Cornerstone
Growth Fund (Class 2) (previously Columbia
Variable Portfolio - Large Cap Growth Fund
(Class 2))
Columbia Management Investment Advisers,
LLC |
0.96% |
15.85% |
13.75% |
15.69% |
| Seeks to provide
shareholders with
capital appreciation. |
Columbia Variable Portfolio - Disciplined
Core Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.93% |
14.35% |
13.87% |
13.31% |
| Seeks to provide
shareholders with a high
level of current income
and, as a secondary
objective, steady growth
of capital. |
Columbia Variable Portfolio - Dividend
Opportunity Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.90%1 |
15.56% |
11.60% |
10.15% |
18 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Non-diversified fund that
seeks to provide
shareholders with high
total return through
current income and,
secondarily, through
capital appreciation. |
Columbia Variable Portfolio - Emerging
Markets Bond Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.98% |
12.65% |
1.47% |
4.03% |
| Seeks to provide
shareholders with
long-term capital growth. |
Columbia Variable Portfolio - Emerging
Markets Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
1.34%1 |
30.87% |
(1.37%) |
7.00% |
| Seeks to provide
shareholders with
maximum current
income consistent with
liquidity and stability of
principal. |
Columbia Variable Portfolio - Government
Money Market Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.59%1 |
3.71% |
2.79% |
1.72% |
| Seeks to provide
shareholders with high
current income as its
primary objective and,
as its secondary
objective, capital
growth. |
Columbia Variable Portfolio - High Yield Bond
Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.89%1 |
8.49% |
3.93% |
5.51% |
| Seeks to provide
shareholders with a high
total return through
current income and
capital appreciation. |
Columbia Variable Portfolio - Income
Opportunities Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.89%1 |
8.43% |
3.60% |
5.17% |
| Seeks to provide
shareholders with a high
level of current income
while attempting to
conserve the value of
the investment for the
longest period of time. |
Columbia Variable Portfolio - Intermediate
Bond Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.78% |
8.84% |
(0.68%) |
2.52% |
| Seeks to provide
shareholders with
long-term capital
appreciation. |
Columbia Variable Portfolio - Large Cap Index
Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.50%1 |
17.25% |
13.84% |
14.21% |
| Seeks total return,
consisting of current
income and capital
appreciation. |
Columbia Variable Portfolio - Long
Government/Credit Bond Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.72%1 |
5.98% |
(5.48%) |
1.31% |
| Seeks to provide
shareholders with
capital appreciation. |
Columbia Variable Portfolio - Overseas Core
Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
1.05% |
37.96% |
8.92% |
7.55% |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 19
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks to provide
shareholders with high
total return through
income and growth of
capital. |
Columbia Variable Portfolio - Select
Corporate Income Fund (Class 2) (previously
Columbia Variable Portfolio - Corporate Bond
Fund (Class 2))
Columbia Management Investment Advisers,
LLC |
0.72%1 |
7.55% |
1.20% |
1.94% |
| Seeks to provide
shareholders with
long-term growth of
capital. |
Columbia Variable Portfolio - Select Large
Cap Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.94% |
27.97% |
13.32% |
12.30% |
| Seeks to provide
shareholders with
growth of capital. |
Columbia Variable Portfolio - Select Mid Cap
Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
1.08%1 |
14.86% |
7.26% |
11.89% |
| Seeks to provide
shareholders with
long-term growth of
capital. |
Columbia Variable Portfolio - Select Mid Cap
Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
1.08%1 |
13.87% |
10.90% |
10.17% |
| Seeks to provide
shareholders with a
level of current income
consistent with
preservation of capital. |
Columbia Variable Portfolio - Select Short
Corporate Income Fund (Class 2) (previously
Columbia Variable Portfolio - Limited
Duration Credit Fund (Class 2))
Columbia Management Investment Advisers,
LLC |
0.66%1 |
6.00% |
1.90% |
2.94% |
| Seeks to provide
shareholders with
long-term capital growth. |
Columbia Variable Portfolio - Select Small
Cap Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
1.10%1 |
6.30% |
8.66% |
7.97% |
| Seeks to provide
shareholders with
long-term capital
appreciation. |
Columbia Variable Portfolio - Seligman
Global Technology Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
1.18%1 |
34.37% |
18.42% |
22.70% |
| Seeks long-term capital
appreciation. |
Columbia Variable Portfolio - Small Cap
Value Discovery Fund (Class 2) (previously
Columbia Variable Portfolio - Small Cap
Value Fund (Class 2))
Columbia Management Investment Advisers,
LLC |
1.16%1 |
14.66% |
12.19% |
11.20% |
| Seeks total return,
consisting of current
income and capital
appreciation. |
Columbia Variable Portfolio - Strategic
Income Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.95%1 |
6.88% |
1.87% |
3.99% |
| Seeks to provide
shareholders with
current income as its
primary objective and,
as its secondary
objective, preservation
of capital. |
Columbia Variable Portfolio -
U.S. Government Mortgage Fund (Class 2)
Columbia Management Investment Advisers,
LLC |
0.70% |
8.83% |
(0.32%) |
1.65% |
20 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Non-diversified fund that
seeks to provide
shareholders with total
return that exceeds the
rate of inflation over the
long term. |
CTIVP® - BlackRock Global Inflation-Linked
Securities Fund (Class 2) (previously CTIVP®
- BlackRock Global Inflation-Protected
Securities Fund (Class 2))
Columbia Management Investment Advisers,
LLC, adviser; BlackRock Financial
Management, Inc., subadviser; BlackRock
International Limited, sub-subadviser. |
0.87%1 |
3.84% |
(1.74%) |
1.71% |
| Seeks to provide
shareholders with
current income and
capital appreciation. |
CTIVP® - CenterSquare Real Estate Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; CenterSquare Investment
Management LLC, subadviser. |
1.09% |
2.11% |
6.36% |
5.44% |
| Seeks to provide
shareholders with a high
level of current income. |
CTIVP® - Fidelity Institutional AM® Total Bond
Fund (Class 2) (previously CTIVP® - American
Century Diversified Bond Fund (Class 2))
Columbia Management Investment Advisers,
LLC, adviser; FIAM LLC, subadviser; FMR
Investment Management (UK) Limited,
sub-subadviser. |
0.74% |
7.24% |
(0.57%) |
2.08% |
| Seeks to provide
shareholders with
long-term capital growth. |
CTIVP® - Principal Large Cap Growth Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Principal Global Investors, LLC,
subadviser. |
0.95% |
13.49% |
10.20% |
14.38% |
| Seeks to provide
shareholders with
long-term growth of
capital and income. |
CTIVP® - T. Rowe Price Large Cap Value Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; T. Rowe Price Associates, Inc.,
subadviser. |
0.94% |
12.12% |
10.15% |
9.64% |
| Seeks to provide
shareholders with total
return through current
income and capital
appreciation. |
CTIVP® - TCW Total Return Bond Fund
(Class 2) (previously CTIVP® - TCW Core Plus
Bond Fund (Class 2))
Columbia Management Investment Advisers,
LLC, adviser; TCW Investment Management
Company LLC, subadviser. |
0.75% |
7.31% |
(0.78%) |
1.79% |
| Seeks to provide
shareholders with
long-term growth of
capital. |
CTIVP® - Victory Sycamore Established Value
Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Victory Capital Management
Inc., subadviser. |
1.07% |
2.00% |
9.37% |
10.43% |
| Seeks to provide
shareholders with
long-term capital growth. |
CTIVP® - Wellington Large Cap Value Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Wellington Management
Company LLP, subadviser. |
0.86%1 |
19.61% |
10.97% |
10.43% |
| Seeks to provide
shareholders with
long-term capital growth. |
CTIVP® - Westfield Mid Cap Growth Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Westfield Capital Management
Company, L.P., subadviser. |
1.08%1 |
10.12% |
6.89% |
11.90% |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 21
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks to provide
shareholders with
long-term capital growth. |
CTIVP® - Westfield Select Large Cap Growth
Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Westfield Capital Management
Company, L.P., subadviser. |
0.94% |
16.98% |
1.78% |
13.02% |
| Seeks investment
results that correspond
to the total return
performance of common
stocks as represented
by the MSCI EAFE Index. |
CVT EAFE International Index Portfolio
(Class F)
Calvert Research and Management |
0.68%1 |
30.64% |
8.31% |
7.63% |
| Seeks investment
results that correspond
to the investment
performance of U.S.
common stocks, as
represented by the
NASDAQ 100 Index. |
CVT Nasdaq 100 Index Portfolio (Class F)
Calvert Research and Management, adviser;
Ameritas Investment Partners, Inc,
subadviser. |
0.74%1 |
20.10% |
14.45% |
18.79% |
| Seeks investment
results that correspond
to the investment
performance of U.S.
common stocks, as
represented by the
Russell 2000® Index. |
CVT Russell 2000® Small Cap Index
Portfolio (Class F)
Calvert Research and Management, adviser;
Ameritas Investment Partners, Inc,
subadviser. |
0.60%1 |
12.23% |
5.62% |
9.08% |
| Seeks capital
appreciation. |
DWS Alternative Asset Allocation VIP
(Class B)2 DWS Investment Management Americas Inc., adviser; RREEF America L.L.C., subadviser. |
1.31% |
10.03% |
4.88% |
4.52% |
| Seeks high level of
current income. |
Eaton Vance VT Floating-Rate Income Fund
(Initial Class)
Eaton Vance Management |
1.19% |
3.95% |
4.64% |
4.43% |
| Seeks long-term capital
appreciation. |
Fidelity® VIP Contrafund® Portfolio (Service
Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers. |
0.79% |
21.24% |
15.08% |
15.49% |
| Seeks capital
appreciation. |
Fidelity® VIP Emerging Markets Portfolio
(Service Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited, FIL
Investment Advisers, FIL Investment
Advisers (UK) Limited and FIL Investments
(Japan) Limited, subadvisers. |
1.12% |
40.79% |
5.62% |
10.66% |
22 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks capital
appreciation. |
Fidelity® VIP Energy Portfolio (Service
Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers. |
0.85% |
10.34% |
23.86% |
7.69% |
| Seeks high total return
through a combination
of current income and
capital appreciation. |
Fidelity® VIP Growth & Income Portfolio
(Service Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers. |
0.72% |
21.21% |
15.83% |
13.56% |
| Seeks to provide capital
growth. |
Fidelity® VIP Growth Opportunities Portfolio
(Service Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers. |
0.81% |
21.73% |
11.04% |
19.64% |
| Seeks capital
appreciation. |
Fidelity® VIP International Capital
Appreciation Portfolio (Service Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited, FIL
Investment Advisers, FIL Investment
Advisers (UK) Limited and FIL Investments
(Japan) Limited, subadvisers. |
1.02% |
18.36% |
5.99% |
9.53% |
| Seeks as high level of
current income as is
consistent with the
preservation of capital. |
Fidelity® VIP Investment Grade Bond
Portfolio (Service Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers. |
0.62% |
6.93% |
(0.21%) |
2.45% |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 23
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks long-term growth
of capital. |
Fidelity® VIP Mid Cap Portfolio (Service
Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers. |
0.80% |
11.49% |
9.83% |
10.31% |
| Seeks a high level of
current income and may
also seek capital
appreciation. |
Fidelity® VIP Strategic Income Portfolio
(Service Class 2)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited, FIL
Investment Advisers, FIL Investment
Advisers (UK) Limited and FIL Investments
(Japan) Limited, subadvisers. |
0.88% |
8.58% |
2.79% |
4.40% |
| Seeks to maximize
income while
maintaining prospects
for capital appreciation.
Under normal market
conditions, the fund
invests in a diversified
portfolio of debt and
equity securities. |
Franklin Income VIP Fund (Class 4)
Franklin Advisers, Inc. |
0.82% |
12.43% |
7.54% |
7.19% |
| Seeks capital
appreciation. |
Franklin Mutual Global Discovery VIP Fund
(Class 4)
Franklin Mutual Advisers, LLC |
1.26% |
23.25% |
11.88% |
8.41% |
| Seeks long-term total
return. Under normal
market conditions, the
fund invests at least
80% of its net assets in
investments of small
capitalization
companies. |
Franklin Small Cap Value VIP Fund (Class 4)
Franklin Mutual Advisers, LLC |
1.01%1 |
7.49% |
8.75% |
9.71% |
| Seeks long-term growth
of capital. |
Goldman Sachs VIT Small Cap Equity
Insights Fund (Service Shares)
Goldman Sachs Asset Management, L.P. |
1.07%1 |
15.82% |
10.19% |
10.57% |
| Seeks total return with a
low to moderate
correlation to traditional
financial market indices. |
Invesco V.I. Balanced-Risk Allocation Fund
(Series II Shares)3 Invesco Advisers, Inc. |
1.13%1 |
8.69% |
2.27% |
4.91% |
24 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks capital growth
and income through
investments in equity
securities, including
common stocks,
preferred stocks and
securities convertible
into common and
preferred stocks. |
Invesco V.I. Comstock Fund (Series II
Shares)
Invesco Advisers, Inc. |
1.00% |
17.14% |
15.14% |
11.67% |
| Seeks total return,
comprised of current
income and capital
appreciation. |
Invesco V.I. Core Plus Bond Fund (Series II
Shares)
Invesco Advisers, Inc. |
0.87%1 |
6.96% |
(0.36%) |
2.73% |
| Seeks capital
appreciation. |
Invesco V.I. Global Fund (Series II Shares)
Invesco Advisers, Inc. |
1.06% |
15.05% |
7.01% |
10.72% |
| Seeks capital
appreciation. |
Invesco V.I. Main Street Small Cap Fund®
(Series II Shares)
Invesco Advisers, Inc. |
1.09% |
8.44% |
8.07% |
10.31% |
| Seeks long-term growth
of capital. |
Invesco V.I. Technology Fund (Series II
Shares)
Invesco Advisers, Inc. |
1.21% |
20.16% |
10.02% |
15.49% |
| Seeks long-term capital
growth, consistent with
preservation of capital
and balanced by current
income. |
Janus Henderson Balanced Portfolio
(Service Shares)
Janus Henderson Investors US LLC |
0.87% |
14.84% |
8.21% |
9.86% |
| Seeks to obtain
maximum total return,
consistent with
preservation of capital. |
Janus Henderson Flexible Bond Portfolio
(Service Shares)
Janus Henderson Investors US LLC |
0.82%1 |
7.22% |
(0.47%) |
2.07% |
| Seeks long-term growth
of capital. |
Janus Henderson Forty Portfolio (Service
Shares)
Janus Henderson Investors US LLC |
0.87% |
17.86% |
11.37% |
15.96% |
| Seeks long-term growth
of capital. |
Janus Henderson Global Technology and
Innovation Portfolio (Service Shares)
Janus Henderson Investors US LLC |
0.97% |
24.84% |
13.44% |
21.18% |
| Seeks long-term growth
of capital. |
Janus Henderson Overseas Portfolio
(Service Shares)
Janus Henderson Investors US LLC |
0.96% |
28.58% |
9.17% |
8.97% |
| Seeks long-term capital
appreciation. |
Lazard Retirement Emerging Markets Equity
Portfolio (Service Shares)
Lazard Asset Management, LLC |
1.38%1 |
41.77% |
10.76% |
9.35% |
| Seeks total return. |
Lazard Retirement Global Dynamic
Multi-Asset Portfolio (Service Shares)3 Lazard Asset Management, LLC |
1.05%1 |
15.72% |
5.19% |
5.93% |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 25
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks to deliver high
current income and
long-term growth of
capital by investing
primarily in a variety of
fixed income securities
and select equity-related
securities. |
Lord Abbett Series Fund Bond Debenture
Portfolio (Class VC)
Lord, Abbett & Co LLC |
0.98% |
8.33% |
2.10% |
4.72% |
| Seeks to deliver a high
level of current income
consistent with the
preservation of capital
by investing in a variety
of short maturity debt
securities including,
investment grade and
high yield corporate
bonds, U.S. government
securities, and
mortgage- and other
asset-backed debt
securities. |
Lord Abbett Series Fund Short Duration
Income Portfolio (Class VC)
Lord, Abbett & Co LLC |
0.72%1 |
5.90% |
2.25% |
2.62% |
| Seeks capital growth. |
LVIP American Century International Fund
(Service Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser. |
1.10%1 |
15.81% |
1.71% |
6.27% |
| Seeks long-term capital
growth. Income is a
secondary objective. |
LVIP American Century Mid Cap Value Fund
(Service Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser. |
1.01%1 |
8.83% |
8.72% |
8.96% |
| Seeks long-term capital
growth. Income is a
secondary objective. |
LVIP American Century Value Fund (Service
Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser. |
0.86%1 |
15.85% |
11.47% |
10.07% |
| Seeks total return. |
MFS® Global Real Estate Portfolio (Service
Class)
Massachusetts Financial Services Company |
1.15%1 |
3.30% |
1.08% |
4.76% |
| Seeks capital
appreciation. |
MFS® International Growth Portfolio (Service
Class)
Massachusetts Financial Services Company |
1.13%1 |
20.81% |
6.80% |
9.60% |
| Seeks capital
appreciation. |
MFS® Research International Portfolio
(Service Class)
Massachusetts Financial Services Company |
1.15%1 |
21.75% |
5.25% |
7.27% |
| Seeks total return. |
MFS® Utilities Series (Service Class)
Massachusetts Financial Services Company |
1.03%1 |
14.76% |
7.38% |
9.22% |
| The Fund seeks
long-term capital growth
by investing primarily in
common stocks and
other equity securities. |
Morgan Stanley VIF Discovery Portfolio
(Class II Shares)
Morgan Stanley Investment Management
Inc. |
1.05%1 |
12.44% |
(5.46%) |
14.04% |
26 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks long-term growth
of capital by investing
primarily in securities of
companies that meet
the Fund's
environmental, social
and governance (ESG)
criteria. |
Neuberger Berman AMT Quality Equity
Portfolio (Class S) (previously Neuberger
Berman AMT Sustainable Equity Portfolio
(Class S))
Neuberger Berman Investment Advisers LLC |
1.12% |
13.41% |
12.54% |
12.66% |
| Seeks to provide total
return. |
Nomura VIP Asset Strategy Series (Service
Class) (previously Macquarie VIP Asset
Strategy Series (Service Class))
Delaware Management Company, adviser;
Macquarie Investment Management Global
Limited, subadviser. |
0.77%1 |
16.66% |
7.07% |
7.84% |
| Seeks high current
income. |
Nomura VIP Fund for Income Series (Service
Class) (previously Macquarie VIP Fund for
Income Series (Service Class))
Delaware Management Company, adviser;
Nomura Corporate Research and Asset
Management Inc., subadviser. |
1.05%1 |
8.80% |
- |
- |
| Seeks long-term capital
growth. |
Nomura VIP International Core Equity Series
(Service Class) (previously Macquarie VIP
International Core Equity Series (Service
Class))
Delaware Management Company |
1.11%1 |
24.24% |
7.83% |
6.62% |
| Seeks maximum real
return, consistent with
preservation of real
capital and prudent
investment
management. |
PIMCO VIT All Asset Portfolio (Advisor
Class)2 Pacific Investment Management Company LLC (PIMCO) |
2.23%1 |
14.19% |
5.49% |
6.67% |
| Seeks maximum total
return, consistent with
preservation of capital
and prudent investment
management. |
PIMCO VIT Total Return Portfolio (Advisor
Class)
Pacific Investment Management Company
LLC (PIMCO) |
0.83% |
8.78% |
(0.08%) |
2.26% |
| Seeks capital
appreciation. |
Putnam VT Global Health Care Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
and The Putnam Advisory Company, LLC,
subadvisers. |
1.00% |
15.05% |
7.71% |
8.36% |
| Seeks capital growth.
Current income is a
secondary objective. |
Putnam VT International Value Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
and The Putnam Advisory Company, LLC,
subadvisers. |
1.06% |
34.68% |
12.49% |
8.86% |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 27
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks capital growth
and current income. |
Putnam VT Large Cap Value Fund (Class IB
Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc. and Franklin
Templeton Investment Management Limited,
subadvisers. |
0.79% |
20.35% |
15.38% |
13.30% |
| Seeks long-term capital
appreciation. |
Putnam VT Sustainable Future Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc. and Franklin
Templeton Investment Management Limited,
subadvisers. |
1.05%1 |
2.66% |
1.19% |
9.60% |
| Seeks long-term capital
appreciation. |
Putnam VT Sustainable Leaders Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc. and Franklin
Templeton Investment Management Limited,
subadvisers. |
0.88% |
10.69% |
10.34% |
14.69% |
| Seeks long-term capital
appreciation by
investing in common
stocks of gold-mining
companies. The Fund
may take current
income into
consideration when
choosing investments. |
VanEck VIP Global Gold Fund (Class S
Shares)
Van Eck Associates Corporation |
1.45%1 |
164.43% |
20.00% |
20.89% |
| Seeks to provide a high
level of total return that
is consistent with an
aggressive level of risk. |
Variable Portfolio - Aggressive Portfolio
(Class 2)2 Columbia Management Investment Advisers, LLC |
1.04% |
17.63% |
8.13% |
9.06% |
| Seeks to provide a high
level of total return that
is consistent with a
conservative level of
risk. |
Variable Portfolio - Conservative Portfolio
(Class 2)2 Columbia Management Investment Advisers, LLC |
0.89%1 |
10.21% |
1.62% |
3.53% |
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - Managed Risk Fund
(Class 2)2,3 Columbia Management Investment Advisers, LLC |
1.02%1 |
12.15% |
4.73% |
- |
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - Managed Risk U.S. Fund
(Class 2)2,3 Columbia Management Investment Advisers, LLC |
0.99% |
9.59% |
5.64% |
- |
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - Managed Volatility
Conservative Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC |
0.95% |
9.17% |
1.15% |
3.33% |
28 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - Managed Volatility
Conservative Growth Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC |
0.97% |
11.02% |
2.66% |
4.53% |
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - Managed Volatility Growth
Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC |
1.01% |
14.75% |
5.83% |
6.95% |
| Pursues total return
while seeking to
manage the Fund’s
exposure to equity
market volatility. |
Variable Portfolio - Managed Volatility
Moderate Growth Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC |
0.98% |
12.87% |
4.29% |
5.82% |
| Seeks to provide a high
level of total return that
is consistent with a
moderate level of risk. |
Variable Portfolio - Moderate Portfolio
(Class 2)2 Columbia Management Investment Advisers, LLC |
0.96% |
13.86% |
4.91% |
6.42% |
| Seeks to provide a high
level of total return that
is consistent with a
moderately aggressive
level of risk. |
Variable Portfolio - Moderately Aggressive
Portfolio (Class 2)2 Columbia Management Investment Advisers, LLC |
1.00% |
15.71% |
6.44% |
7.71% |
| Seeks to provide a high
level of total return that
is consistent with a
moderately conservative
level of risk. |
Variable Portfolio - Moderately Conservative
Portfolio (Class 2)2 Columbia Management Investment Advisers, LLC |
0.94% |
12.10% |
3.18% |
4.92% |
| Seeks to provide
shareholders with a high
level of current income
while conserving the
value of the investment
for the longest period of
time. |
Variable Portfolio - Partners Core Bond Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; J.P. Morgan Investment
Management Inc. and Allspring Global
Investments, LLC, subadvisers. |
0.73% |
7.28% |
(0.23%) |
1.99% |
| Seeks to provide
shareholders with
long-term capital growth. |
Variable Portfolio - Partners Core Equity Fund
(Class 2)
Columbia Management Investment Advisers,
LLC, adviser; J.P. Morgan Investment
Management Inc. and T. Rowe Price
Associates, Inc., subadvisers. |
0.93%1 |
13.14% |
13.04% |
12.63% |
| Seeks to provide
shareholders with
long-term growth of
capital. |
Variable Portfolio - Partners International
Core Equity Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Schroder Investment
Management North America Inc.,
subadviser; Schroder Investment
Management North America Limited,
sub-subadviser. |
1.08% |
24.55% |
7.02% |
6.12% |
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 29
| Investment Objective |
Fund and
Adviser/Sub-Adviser |
Current
Expenses
Ratio
[NET] |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Seeks to provide
shareholders with
long-term capital growth. |
Variable Portfolio - Partners International
Growth Fund (Class 2)
Columbia Management Investment Advisers
LLC, adviser; William Blair Investment
Management, LLC and Walter Scott &
Partners Limited, subadvisers. |
1.08%1 |
17.50% |
1.36% |
5.01% |
| Seeks to provide
shareholders with
long-term capital growth. |
Variable Portfolio - Partners International
Value Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Pzena Investment
Management, LLC and Thompson, Siegel &
Walmsley LLC, subadvisers. |
1.05%1 |
34.84% |
10.14% |
6.97% |
| Seeks to provide
shareholders with
long-term capital growth. |
Variable Portfolio - Partners Small Cap
Growth Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Goldman Sachs Asset
Management, LP and Segall Bryant & Hamill
LLC, subadvisers. |
1.10%1 |
7.86% |
0.94% |
7.72% |
| Seeks to provide
shareholders with
long-term capital
appreciation. |
Variable Portfolio - Partners Small Cap Value
Fund (Class 2)
Columbia Management Investment Advisers,
LLC, adviser; Segall Bryant & Hamill, LLC
and William Blair Investment Management,
LLC, subadvisers. |
1.09%1 |
7.07% |
6.60% |
7.06% |
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - U.S. Flexible Conservative
Growth Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC |
0.96% |
9.22% |
3.53% |
- |
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - U.S. Flexible Growth Fund
(Class 2)2,3 Columbia Management Investment Advisers, LLC |
0.93% |
11.07% |
7.36% |
- |
| Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility. |
Variable Portfolio - U.S. Flexible Moderate
Growth Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC |
0.94% |
10.10% |
5.46% |
- |
| Seeks to maximize total
return. |
Western Asset Variable Global High Yield
Bond Portfolio (Class II)
Franklin Templeton Fund Adviser, LLC,
adviser; Western Asset Management
Company, LLC, subadviser. |
1.06% |
9.95% |
2.34% |
5.09% |
1
This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund’s annual expenses reflect temporary fee reductions. Please see the Fund’s prospectus for additional information.
2
This Fund is a fund of funds and invests substantially all of its assets in other
underlying funds. Because the Fund invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including management
fees.
3
This Fund is managed in a way that is intended to minimize volatility of returns. See
“Principal Risks of Investing in the Contract.”
30 RiverSource RAVA Vista Variable Annuity — Summary Prospectus
Funds Available Under the Enhanced Legacy Benefit
For contracts issued with the Enhanced Legacy Benefit, you are required to invest your contract value in the Portfolio Stabilizer and certain Portfolio Navigator funds listed below:
1. Variable Portfolio – Managed Risk Fund (Class 2)
2. Variable Portfolio – Managed Risk U.S. Fund (Class 2)
3. Variable Portfolio – Managed Volatility Growth Fund (Class 2)
4. Variable Portfolio – Managed Volatility Moderate Growth Fund (Class
2)
5. Variable Portfolio – Managed Volatility Conservative Growth Fund (Class 2)
6. Variable Portfolio – Managed Volatility Conservative Fund (Class
2)
7. Variable Portfolio – U.S. Flexible Growth Fund (Class 2)
8. Variable Portfolio – U.S. Flexible Moderate Growth Fund (Class 2)
9. Variable Portfolio – U.S. Flexible Conservative Growth Fund (Class 2)
The Portfolio Navigator funds currently available are:
1. Variable Portfolio – Conservative Portfolio (Class 2)
2. Variable Portfolio – Moderate Conservative Portfolio (Class 2)
3. Variable Portfolio – Moderate Portfolio (Class 2)
4. Variable Portfolio – Moderately Aggressive Portfolio (Class 2)
The following is a list of Fixed Options currently available under the
Contract. We may change the features of the Fixed Options listed below or terminate existing Fixed Options. We will provide you with written notice before doing so.
| Special DCA Fixed Account |
6 Months |
2022 |
0.25% or 1.00% |
| 2023 |
2.95% | ||
| 2024 |
3.00% | ||
| 2025 |
2.65% | ||
| 2026 |
2.40% | ||
| Special DCA Fixed Account |
1 Year |
2022 |
0.25% or 1.00% |
| 2023 |
2.95% | ||
| 2024 |
3.00% | ||
| 2025 |
2.65% | ||
| 2026 |
2.40% |
*
Guaranteed minimum interest rates vary by Issue State. See your Contract Data Page for your
applicable guaranteed minimum interest rate.
RiverSource RAVA Vista Variable Annuity — Summary
Prospectus 31
The prospectus and Statement of Additional
Information (SAI) include additional information about the Contract. The prospectus and SAI, dated the same date as this summary prospectus, are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy of the prospectus, SAI, or for more information about the Contract, call us at 1-800-862-7919, visit our website at
riversource.com/annuities or write to us at: 70100 Ameriprise Financial Center Minneapolis, MN 55474.
RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
ISP9111_12_E01_(05/26)
Reports and other information about RiverSource Variable Account 10 are available on
the SEC’s website at http://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address:
[email protected].
EDGAR
Contract Identifier:
C000235113
©2008-2026 RiverSource Life Insurance
Company. All rights reserved.
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