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Three ways to invest in Thrivent funds

We’re here to help you invest with confidence.

MUTUAL FUNDS

Thrivent Account

You can purchase mutual funds right on our site with an online account.

Get started

Invest with a Thrivent account

  • Set up an account starting with as little as $50 per month.1
  • Access your online account at your convenience.
  • Purchase funds without transaction fees or sales charges.

MUTUAL FUNDS & ETFS

Financial Professional

For guidance when investing, ask a financial professional about investing in Thrivent mutual funds & ETFs.

Contact a Thrivent advisor

Invest with a financial professional

  • Receive investment help from an experienced professional.
  • Build a relationship through in-person meetings.
  • Get help planning for life’s goals such as saving and retirement.
  • Additional fees may apply.

MUTUAL FUNDS & ETFS

Brokerage Account

If you already have a brokerage account, our mutual funds & ETFs can be purchased through online brokerage platforms by searching for Thrivent Mutual Funds and ETFs.

Invest with a brokerage account

  • Add Thrivent Mutual Funds and ETFs to your investments within your existing portfolio.
  • Take advantage of your account to keep your investments in one place.
  • Additional fees may apply.
Not quite ready?

We want you to invest your money wisely and with confidence.
Here are some other options that may help you.

  • Take our quiz to determine your personal investment style.
  • Talk to your financial advisor about ETFs.
  • Sign up for our monthly investing insights newsletter.

 

Need more help?

If you need assistance, we’re here to help. Reach out to us via the phone, email, and support page information below.

 

1 New accounts with a minimum investment amount of $50 are offered through the Thrivent Mutual Funds "automatic purchase plan." Otherwise, the minimum initial investment requirement is $2,000 for non-retirement accounts and $1,000 for IRA or tax-deferred accounts, minimum subsequent investment requirement is $50 for all account types. Account minimums for other options vary.

Thrivent ETFs may be purchased through your financial professional or brokerage platforms.

Contact your financial professional or brokerage firm to understand minimum investment amounts when purchasing a Thrivent ETF.

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ACCOUNTS TO HELP YOU SAVE FOR KIDS

Uniform Transfers to Minors Act (UTMA) Account

The Uniform Transfers to Minors Act (UTMA) custodial account allows an adult to establish and manage assets for a minor child—including stocks and securities. Once the custodial savings account is established on behalf of the minor child, the assets are considered irrevocable gifts and must be transferred to the former minor upon reaching the state’s Age of Termination (generally age 21 but some states are age 18).

Once named, the minor child may not be changed on the account.

Why it may be right for you

UTMA accounts with Thrivent Mutual Funds offer low minimum contributions to our sophisticated yet simple funds, so it’s easy to get started. And by setting up an automatic investment plan, you can keep giving throughout the year.

Whereas other custodial accounts can only be used for educational expenses, assets established through UTMA can be used for the minor child's benefit in a variety of ways.

UTMA highlights
Contributions
  • Unlimited
  • Not tax-deductible, may be subject to the gift tax depending on the amount
Thrivent minimum investment
  • $2,000 per Thrivent mutual fund without recurring contributions or
  • $50 monthly recurring contribution for all Thrivent mutual funds (also applies to subsequent investments)
Who has control
  • Prior to Age of Termination: Custodian will have control and authorization to act on behalf of the minor child.
  • Once the former minor reaches the age of termination (usually age 18-21, depending on state), he or she can use the assets for any purpose.
  • At the Age of Termination the account is turned over to the former minor and the custodian will no longer have control or authorization to transact on the account.
Taxes
  • UTMA assets belong to the minor child, so investment income may be subject to the “kiddie tax.”
  • For 2024 the first $1,300 of a child’s unearned income is exempt from taxes, while the next $1,300 is taxed at the child’s rate (which is usually much lower than the parents’ or other donor’s). The Kiddie Tax applies to any of a child’s unearned income under $2,600 for 2024. Any amount over will be taxed at the parents’ tax rate.
  • The Kiddie Tax may NOT apply depending on the amount of unearned income.
Distributions
  • Funds must be used for the benefit of the minor child (other than parental obligations).
  • The custodian is responsible for ensuring proper usage of the funds.
  • No requirement that dollars be used for education.
Reaching Age of Termination
  • The custodian will relinquish all control to the former minor.
  • Accounts must be transferred to the former minor.
  • The account will be restricted for investments and distributions until the account is transferred to the former minor.
Financial aid impact
  • Does this asset impact federal financial aid?
  • Yes, the account is considered an asset of the minor child.
Fees
  • Semiannual low balance fee of $10 may apply for those accounts not maintaining minimum balance requirements. See the Prospectus for more information.
  • Additional account fees may apply for certain services and are redeemed directly from your account. Examples include overnight delivery or wire fees.

Ready to start?

Open an account

Other options

Coverdell Education Savings Account (CESA)