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This author is not a client of Thrivent Mutual Funds and has been paid for their participation. The views expressed are solely those of the author(s) and not necessarily those of Thrivent Distributors, LLC, the principal underwriter and distributor for Thrivent Mutual Funds. This information should not be considered investment advice or a recommendation of any particular security, strategy or product. This article is not intended to represent a specific client experience with Thrivent Mutual Funds and may not be representative of those of other investors and does not indicate future performance or success. Investment decisions should always be made based on an investor's specific financial needs, objectives, goals, time horizon, and risk tolerance.