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.

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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.

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Financial professionals: What do they do, and do I need one?


It’s a common dilemma for investors, whether they’re just starting out or have owned mutual funds for a long time: do I need a financial professional, or am I OK doing it myself?

“A qualified investment professional can help you make sound investment decisions. Investment professionals include registered financial professionals, also known as registered representatives or stockbrokers, investment advisers and financial planners,” according to the Financial Industry Regulatory Authority (FINRA). “The person or team of professionals you work with will depend on the type of financial help you seek.”

Everyone’s financial situation is unique, as is their level of financial knowledge. Ultimately, this is a very personal decision. Can you do what a financial professional does? What does a financial professional actually do? Here are a few questions you should ask yourself:

  • How knowledgeable are you in financial matters?
  • Do you have the time and interest to research mutual funds?
  • Are you confident enough, and do you have enough time to maintain your portfolio and make any necessary changes as your situation changes?
It’s probably a safe bet that your answers to these questions are never going to be an unequivocal yes. Knowledge is relative, time and priorities shift, interest wanes over time, and confidence wavers, especially in a volatile market environment. So, does this mean you need a financial professional? Not necessarily. Let’s look at the benefits of doing it yourself versus what a financial professional can provide you.

Doing it yourself

When you decide to invest in mutual funds directly versus through a financial professional, you’ll need to decide on your own your goals, which type of account will best fit those goals, as well as your threshold for risk and time horizon, which fund to invest in, how much, and how often to invest. To help you make these decisions, Thrivent Mutual Funds provides information you’ll need to understand your options and feel confident in your decision. Your investment portfolio will be fully accessible online, and you’ll be able manage almost all your mutual fund activities yourself.

When you choose to invest directly on your own, you don’t pay any sales charges or ongoing account service fees. This means more of your money is invested and working for you. The fees you will pay are the customary expenses that all mutual funds charge for investment management, record-keeping, legal, and accounting requirements. These fees are considered fund operating expenses and are represented as the net expense ratio of the fund. You will pay fund operating expenses regardless of whether you buy mutual funds online or through a financial professional.

Working with a financial professional

Thrivent Mutual Funds are available for investors through Thrivent and other financial professionals at many investment firms throughout the U.S. If you want to work with a financial professional, it’s important to find one that meets your needs.

Make sure to discuss your goals and expectations to ensure they are a good fit for you.  Ask about the types of fees that would apply for the products and services offered. You should review the background and history of the firm and the financial professional.  FINRA’s BrokerCheck is a free tool that can help you research the professional backgrounds of brokers and brokerage firms, as well as investment adviser firms and advisers.

For more information from FINRA on selecting a financial professional, see Choosing an Investment Professional.

If you decide to work with a Thrivent Financial professional, you’ll be receiving personal service from a financial guide who lives in your area. Your Thrivent Financial professional will meet with you in person, listen to you, ask questions, and offer options to help you meet your financial goals. If you wish, your Thrivent Financial professional can provide a holistic analysis of your financial situation and may offer options in addition to those provided by Thrivent Mutual Funds.

There may be additional fees associated with using a financial professional that need to be weighed against the benefits. However, with a Thrivent Financial professional, you know there’s someone you can go to with questions, so you can concentrate on the things that are important to you. Click to find a Thrivent Financial professional in your area.

It’s up to you

The choice is yours. No matter if you decide to go at it alone or to work with a financial professional, you can rest assured that our team of seasoned fund managers will apply their deep expertise and proprietary research to actively manage each fund. When you choose to invest in Thrivent Mutual Funds, you’ll benefit from the expertise of our investment professionals and the convenience and choices we provide to make investing easier.

Thrivent financial professionals are registered representatives of Thrivent Investment Management Inc., an SEC-registered investment adviser, a broker-dealer, and a member FINRA/SIPC. Thrivent Investment Management Inc. is a subsidiary of Thrivent.

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