How to buy mutual funds from Thrivent

We’re delighted you’re considering Thrivent Mutual Funds. No matter how you buy, we’re here to help you invest with confidence.

Buy online through Thrivent Funds

You can open an account and purchase funds right on our site.

Why buy online?

  • Set up an account starting with as little as $50 per month1
  • Access your online account at your convenience.
  • Purchase funds without transaction fees or sales charges.


Buy through a financial professional

Need more guidance? Ask your financial professional about Thrivent Mutual Funds.

Why work 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, when working with a financial professional.


Buy through an investment account

Our funds can be purchased through other online brokerage platforms. Search for Thrivent Mutual Funds when making your selections.

Why buy through a brokerage account?

  • Add Thrivent Mutual Funds to 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.


Need more help?

Call or email us.

M-F, 8 a.m. – 6 p.m. CT
Say “” for faster service. or,
Visit our support page


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. $50 a month automatic investment does not apply to the Thrivent Money Market Fund or Thrivent Limited Maturity Bond Fund, which have a minimum monthly investment of $100.

Now leaving


You're about to visit a site that is neither owned nor operated by Thrivent Mutual Funds.

In the interest of protecting your information, we recommend you review the privacy policies at your destination site.


Traditional IRAs

Retirement means something different to all of us. The one thing we all have in common, however, is wanting to ensure we’ve saved enough to live comfortably. Thrivent Mutual Funds offers Traditional IRAs, which are potentially tax-deductible ways to contribute to your retirement savings. Learn about the features, rules, and limits of Traditional IRAs here.

Traditional IRAs are a great choice for people who:
  • Have earned income
  • Want to defer taxes until retirement
  • Expect to be in a lower tax bracket in retirement
  • Would benefit from a potential immediate federal income tax deduction
  • Don’t think they’ll need to take any money out of the account until retirement (after age 59½)  
The Thrivent approach

Whether your goal is accumulation or distribution, Traditional IRAs with Thrivent Mutual Funds offer sophisticated yet simple solutions to diversify investments based on your risk tolerance. Choose from all-in-one investments or build your own allocations according to your specific objectives.

Traditional IRA highlights

Contribution limits
  • 2020: $6,000 total; $7,000 if you’re age 50 or older. 

2021: $6,000 total; $7,000 if you’re age 50 or older.

  • Contribution limit applies to aggregate Traditional and Roth IRA contributions.
  • No age limit on contributions as long as you have earned income.

  • Deductibility of your contributions is subject to Modified Adjusted Gross Income (MAGI) limits and you or your spouse’s status as an active participant in an employer retirement plan
  • See IRS contributions and deduction limits or IRS Publication 590 for further details

Thrivent minimum investment
  • $1,000 per mutual fund without recurring contributions, or
  • $50 monthly recurring contribution for all mutual funds except for the Thrivent Money Market Fund or Thrivent Limited Maturity Bond Fund which are $100 per month

  • Must begin taking distributions from your traditional IRA in the year you turn age 72.

  • Penalty-free after age 59½ and taxed as current income
  • 10% penalty may apply before age 59½ unless there is an exception

Thrivent Mutual Fund fees
  • Annual IRA custodial fee is $15 per shareholder (Traditional, SEP and Roth IRAs combined). Fee may be waived if you have $50,000 or more invested in Thrivent Mutual Funds. Fees are also waived for shareholders that have an automatic purchase plan for $3,000 or more annually into their Traditional or Roth IRA accounts.
  • Semiannual low balance fee of $10 may apply for those accounts not maintaining minimum balance requirements.  See the Prospectus for more information.
  • Traditional IRA account closeout fee of $15
  • Other fees may apply for certain services and are redeemed directly from your account. Examples include overnight delivery or wire fees. 

Additional documents