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Investing doesn't have to be hard.
So we made it easy.

Thrivent Asset Allocation Funds

We get it – some people want help when it comes to investing. A good financial strategy considers not just where you are today, but where you want to be in the future. Thrivent Asset Allocation Funds are divided into simple categories that offer quick and easy solutions for almost every type of investor, so you can finally start to make sense of this whole investing thing.

What kind of investor are you?

Answer some simple questions to help learn what kind of investor you are.
Question 1 of 7
An important thing to me when investing is:
Last year, you invested $10,000. Given the potential gain or loss in any 1 year, which of the outcomes are you most comfortable with?

*The maximum gain or loss on an investment is impossible to predict. The ranges shown in the chart are hypothetical and are designed solely to gauge an investor's risk tolerance.

If the market crashes like it did in 2008 and your account balance drops by 30% in three months, would you...
Investments with high potential returns are usually more risky. Are you okay with your investment dropping in value during market volatility?
I won't need my money for years.
0 25+
Then, I plan to withdraw it over the course of years.
Then, I plan to take all of my investment as a lump-sum.
0 15+

Drag the slider left or right to adjust the number of years.

Do you anticipate withdrawing 20% or more of your money at one time?
I'll probably withdraw 20% or more of my money in years.
0 15+

Drag the slider left or right to adjust the number of years.

If you lost your household’s income, how long could you pay your bills with your non-retirement savings?

Conservative Investor

Conservative investors want as little to do with risk as possible. Lower returns are ok because their first priority is to not lose money. Money may be needed soon, so investing conservatively may be a wise option. While our Asset Allocation funds may not match your risk tolerance, please view our other mutual funds to find one that may better align with a conservative risk tolerance. View All Mutual Funds

Moderately Conservative Investor

Moderately conservative investors want to invest, but without taking large risks. Their priority is to not lose their investment, so lower returns are ok. Money may be needed soon, so investing somewhat conservatively may be a good option. They’re more moderate than a conservative investor.

Moderate Investor

Moderates take a balanced approach to investing. Short-term ups and downs are alright if it nets a higher return, but they are uncomfortable if the volatility lasts too long. Money will be needed, but not any time soon.

Moderately Aggressive Investor

Moderately aggressive investors want to be rewarded for taking risks. While not the most aggressive investor, they do tend to think that if they just hang in there, investments will pay off. Money may not be needed for a while, so they can ride out ups and downs.

Aggressive Investor

When investing, the goal for aggressive investors is to maximize returns. Underperforming investments aren’t scary because they’re optimistic the markets will rebound over the long-term. After all, taking bigger risks is part of the process. Time is on their side and money may not be needed for quite a while.


This quiz can help you assess your investment risk tolerance which is one of many things to consider when investing. Risk tolerance can change over time. You should also consider things such as your overall portfolio, financial situation, investing experience, time horizon, and investment objectives. View All Investing Types

Asset Allocation Funds 101

Aimed at long-term growth

Diversified based on risk tolerance

Actively managed by real people

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See How It All Adds Up

Drag the slider to see how a monthly investment in the Thrivent Moderately Aggressive Allocation Fund adds up over time.

Monthly Investment

No need to break the bank. You only need as little as $50 a month to start investing in Thrivent Mutual Funds.


Performance shown assumes investment ($50, $100, $250, or $500) was made at the beginning of every month during the period of 9/30/2006 to 9/30/2016 into Thrivent Moderately Aggressive Allocation Fund – Class S. Performance shown assumes the reinvestment of all dividends and capital gains. Performance of other funds or share classes will vary from the results shown based on differences in investment performance, sales charges and expenses.

Performance data cited represents past performance and should not be viewed as an indication of future results. Investment return and principal value of the investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than the original cost. Current performance may be lower or higher than the performance data quoted.

Our Asset Allocation Funds

  • Asset Allocation

    Thrivent Aggressive Allocation Fund

    Pursues long-term growth by investing predominantly in stocks

    Risk Potential


    Target Allocation

    Equities 95%
    Fixed Income 5%
    Buy Now
  • Asset Allocation

    Thrivent Moderately Aggressive Allocation Fund

    Pursues long-term growth by investing mostly in stocks, but with a portion in bonds

    Risk Potential

    Moderately Aggressive

    Target Allocation

    Equities 77%
    Fixed Income 23%
    Buy Now
  • Asset Allocation

    Thrivent Moderate Allocation Fund

    Pursues long-term growth by investing in a balanced mix of stocks and bonds

    Risk Potential


    Target Allocation

    Equities 57%
    Fixed Income 43%
    Buy Now
  • Asset Allocation

    Thrivent Moderately Conservative Allocation Fund

    Pursues long-term growth by investing mostly in bonds, but with a portion in stocks

    Risk Potential

    Moderately Conservative

    Target Allocation

    Equities 37%
    Fixed Income 63%
    Buy Now

Why Thrivent Mutual Funds?

At Thrivent Mutual Funds, we believe our greatest investment is in you. For decades our seasoned team of investment professionals have been investing with a greater purpose, helping others build a greater life for themselves, their families, and their community.


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