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IRAs That Help You Retire with Confidence

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
  • 2018: $5,500 total ; $6,500 if you’re age 50 or older.   2019: $6,000 total; $7,000 if you’re age 50 or older.
  • Contribution limit applies to aggregate Traditional and Roth IRA contributions.
  • No contributions allowed beginning the year you reach age 70½

Deductions
  • 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 which are $100 per month

Distributions
  • Must begin taking distributions from your traditional IRA in the year you turn age 70½

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

Thrivent Mutual Funds 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 or have a recurring purchase plan.
  • Semiannual low balance fee of $10 may apply for those accounts not maintaining minimum balance requirements.  See the Prospectus for more information.
  • 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

Ready to Start?

Sophisticated Yet Simple Funds

From no-load, solution-based funds to practical, steady management and philosophies, our expertly crafted funds let you choose just what you need.

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Investing in a mutual fund involves risks, including the possible loss of principal. The prospectus and summary prospectus contain more complete information on the investment objectives, risks, charges and expenses of the fund, and other information, which investors should read and consider carefully before investing. Prospectuses are available at ThriventFunds.com or by calling 1-800-847-4836.

This website is not intended as a source for legal, accounting or tax advice or services. Work with your attorney and/or tax professional for additional information.

The principal underwriter for the Thrivent Mutual Funds is Thrivent Distributors, LLC. No communication or content, including investment analysis tools and information about the Thrivent Mutual Funds, on this website is intended to provide investment advice or recommendations of any kind and may not be relied upon as such. The communication and content found on this website, including investment analysis tools and information about the Thrivent Mutual Funds, are not intended as a solicitation to buy or an offer to sell any security. Thrivent Distributors, LLC has undertaken no review of the individual circumstances of any investor and makes no representations with respect to the suitability of any investment for a particular investor. Any purchase, sale or redemption of the Thrivent Mutual Funds will be executed through Thrivent Financial Investor Services Inc., the transfer agent for the Thrivent Mutual Funds, and an affiliate of Thrivent Distributors, LLC. Asset management services provided by Thrivent Asset Management, LLC. Thrivent Distributors, LLC. and Thrivent Asset Management, LLC. are wholly owned subsidiaries of Thrivent Financial for Lutherans, Appleton, WI.

Thrivent Distributors, LLC is a registered broker-dealer and member of FINRA and SIPC with its principal place of business at 625 Fourth Avenue South, Minneapolis, MN 55415.

Thrivent Financial Services, Inc. (TFSI) is the transfer agent for Thrivent Mutual Funds and the Thrivent Church Loan and Income Fund and maintains and services shareholder accounts. Pages on this website that include information about shareholder accounts are supported by the transfer agent.

No communication or content on this website is intended to provide investment advice or recommendations of any kind and may not be relied upon as such. This website is not intended as a source for legal, accounting or tax advice. Work with your attorney and/or tax professional for additional information.

Marketing and general information about Thrivent Mutual Funds and the Thrivent Church Loan and Income Fund on this website is provided by Thrivent Distributors, LLC, principal underwriter for the Funds. Thrivent Distributors, LLC is a registered broker-dealer and member of FINRA and SIPC with its principal place of business at 625 Fourth Avenue South, Minneapolis, MN 55415.