Three ways to buy Thrivent funds

We’re here to help you invest with confidence.


Thrivent Account

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

Buy 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.


Financial Professional

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

Buy 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.


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.

Buy 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.


This ETF is different from traditional ETFs. Traditional ETFs tell the public what assets they hold each day. This ETF will not. This may create additional risks for your investment. For example:

 - You may have to pay more money to trade the ETF’s shares. This ETF will provide less information to traders, who tend to charge more for trades when they have less information.

 - The price you pay to buy ETF shares on an exchange may not match the value of the ETF’s portfolio. The same is true when you sell shares. These price differences may be greater for this ETF compared to other ETFs because it provides less information to traders.

 - These additional risks may be even greater in bad or uncertain market conditions.

 - The ETF will publish on its website each day a “Proxy Portfolio” designed to help trading in shares of the ETF. While the Proxy Portfolio includes some of the ETF’s holdings, it is not the ETF’s actual portfolio.

The differences between this ETF and other ETFs may also have advantages. By keeping certain information about the ETF secret, this ETF may face less risk that other traders can predict or copy its investment strategy. This may improve the ETF’s performance. If other traders are able to copy or predict the ETF’s investment strategy, however, this may hurt the ETF’s performance. For additional information regarding the unique attributes and risks of the ETF, see the Principal Risks section of the prospectus.

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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Kate Ashford


How to build a better emergency fund

By Kate Ashford, Author | 08/29/2023

The importance of being prepared for emergencies has never been more crucial when you consider that 37% of American adults say they couldn’t cover an unexpected $400 expense without borrowing or selling something. The share who would be able to pay the unexpected expense using cash or its equivalent was down 5% from 68% in 2021, and back at the level from 2019.1

how to build a better emergency fund

Determine the right emergency fund amount for your life

No one knows what the next crisis will be, but whatever it is, having a safety net will help make it easier to weather.

  • At the very least, you’ll want three to six months of living expenses saved in case of emergencies—anything from losing your job to an unexpected medical bill to a major urgent home repair.
  • This doesn’t mean you need to save three to six months of your salary. The idea is that if you were to lose your job, you should have enough saved to cover three to six months of necessary expenses for a few months: rent or mortgage, food, utilities and insurance, for instance.
  • If you don’t have enough to cover at least three months of expenses in a savings account right now, make it a priority to get there. That may mean putting off other purchases and major travel until you’ve accumulated enough to cover your basic needs for a short time.
  • On paydays, see how much money you can funnel into this account while still leaving enough income to cover your necessities. To make the process easier, set up an automatic transfer on paydays from your checking account to a savings account—you’ll save first and spend second, which is the key to any successful savings plan.

Keep your savings safe

Where you put this money is another consideration.

  • Initially, you may want to start with the safest place possible, such as a bank savings or checking account. Unfortunately, those accounts often pay little or no interest.
  • Consider stashing your cash in a money market fund that may yield more in dividends, such as the Thrivent Money Market Fund.2 The Fund typically requires a $1,000 minimum investment for retirement or tax deferred accounts, but you can start lower by setting up a $50-per-month automatic investment plan. (See: Investing $50 a month could add up nicely for your retirement)
  • As your emergency fund grows, you might want to move some of it to a place that offers some growth opportunity. If you’re earning a good salary, your emergency fund might eventually balloon to between $25,000 and $50,000, or more. Over time, with inflation at about 2% per year, the value of your savings will actually decline if you aren’t earning at least that much each year.
  • When you have a substantial amount to work with, consider shifting some of it to a conservative mutual fund, such as the Thrivent Moderately Conservative Allocation Fund, to give your safety net the potential for growth. This Fund is the most conservative option in Thrivent Mutual Funds’ suite of asset allocation funds, seeking long-term capital growth while providing reasonable stability of principal. Of course, asset allocation funds can lose money, but they do offer greater diversification than individual securities or traditional equity funds that invest almost entirely in stocks. While diversification can’t prevent losses, it may mitigate some of those losses in a down market.

Develop a spending strategy for your emergency fund

Although it may be tempting to invest your emergency fund earnings in something slightly more aggressive, that could defeat the purpose of having an emergency fund. If your fund takes a big dive in a bad market, it may essentially wipe away much of the money you’d been counting on for a rainy day.

  • If you need to use your emergency cash, it helps to develop a spending strategy. You may decide to spend down any cash you have in a bank account or money market fund first. Then, if necessary, turn to the cash you have invested in conservative mutual funds.
  • If you ultimately need to tap into your emergency fund, make it a priority to replenish it after you get back on your feet. Set aside money at regular intervals until you’ve reached your target fund amount.

Over time, having an adequate emergency fund can give you peace of mind and a fallback plan in case of a job loss or market downturn. Once you’ve built up a generous reserve, keeping the money in the right place can help you maintain its value.

1The Federal Reserve “Economic Well-Being of U.S. Households in 2022,” May 2023.

2You could lose money by investing in Thrivent Money Market Fund. Although the Thrivent Money Market Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Thrivent Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Thrivent Money Market Fund’s guaranteed sponsor has no legal obligation to provide financial support to the Thrivent Money Market Fund, and you should not expect that the sponsor will provide financial support to the Thrivent Money Market Fund at any time.

The concepts presented are intended for educational purposes only. This information should not be considered investment advice or a recommendation of any particular security, strategy, or product.