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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How to invest and save for your child’s future

Key points

Saving for both children and your retirement

Different account types can be used to accomplish different savings goals.

Start early

The earlier you begin investing, the more time your investments have to potentially grow.

It’s never too early to begin investing for your child’s future. Whether you have a new baby or a toddler running around the house, it’s worth coming up with a plan. Even if you only put away a small amount each month, every bit can make a big difference later when your child is ready to be an independent adult.

Investing Insights newsletter

Subscribe to receive tips to help navigate your financial journey and ideas for setting and reaching your goals.

The first step is learning about account types. For example, do you want to help your child with college tuition expenses, or saving for your retirement or both? These five common account types will help you accomplish those savings goals for your children:

Coverdell Education Savings Account (CESA) – This account is not taxed on withdrawal if you use the money for eligible education expenses. You can save up to $2,000 per child per year toward education expenses, as long as you are within the income limits. Money contributed to a CESA is not deductible from your current federal tax income.

529 plan These plans also are not taxed upon withdrawal as long as you use the money for eligible education expenses. Money contributed to a 529 plan is not deductible from your current federal taxable income, but may qualify for a state tax deduction or credit.

529 plans either pre-pay education costs or contribute to a tax-deferred savings account:

  • When you open a prepaid tuition plan account, the money you contribute is converted to units or credits to be used for college and university education. Most 529 prepaid tuition plans are sponsored by state governments and require you to be a state resident to be eligible. These plans are not available in every state.
  • When you open a savings plan, the contributions grow tax deferred and may be withdrawn tax-free if that money is used to cover eligible education costs for the beneficiary. In addition, you may take up to $10,000 per year in tax-free withdrawals to pay for tuition expenses at private, public and religious K-12 schools. The SECURE Act passed in 2022 also allows you to roll unused 529 plan funds into the beneficiary’s Roth IRA without a tax penalty. There are several rules for this type of rollover including:
    • The 529 account must be open for more than 15 years and the rollover amount must have been in the account for at least five years.
    • The rollover amount cannot exceed the cumulative annual IRA contribution limits ($7,000, or $8,000 for those over age 50 in 2024).
    •  There’s a $35,000 lifetime cap per beneficiary. Due to the Roth contribution limits, it will take four to five years to achieve this cap, depending on the recipient’s age.
    • The beneficiary’s income in the year of the rollover must be at least equal to the value of the rollover.

Roth IRA This retirement fund allows you to withdraw the basis (the money you contributed) first to cover your child’s qualified educational expenses. The basis would not be taxable upon withdrawal because those dollars were already taxed before they entered the Roth IRA account.

You would face a 10% penalty for withdrawing investment earnings beyond your total contributions before age 59½ if the money is used for your retirement needs. However, you wouldn’t face that same penalty if the money were used for your child’s qualified educational expenses. Note, the basis is withdrawn first, so it is not taxed. If you’re 59½ and it has been five years or longer since you first contributed to the account, you also wouldn’t be taxed on earnings. However, if you don’t meet that criteria, you would have to pay income tax on the investment gains and a potential penalty if you are less than 59½, unless you qualify for an exception.

This may be the most flexible option for parents who are unsure how much they’ll be able to contribute to their child’s education without harming their own retirement. After establishing a Roth IRA, you can wait until your child is ready to start college to determine whether to use it toward his or her educational expenses. If your retirement is well funded, you may opt to spend your Roth savings on educational expenses instead of retirement.

You can open a Roth IRA and start contributing at any time as long as you or your spouse have earned income and meet the income requirements.


Investing $50 a month could add up nicely for your retirement

Investing early, even as little as $50 a month, may pay off for your retirement savings goals.

Start your education savings with a Coverdell plan

If you plan to put away some money for the education of your children or grandchildren, a good place to start may be a Coverdell Education Savings Account.

How to choose a 529 Educational Savings Plan

If you’re thinking of helping your children or grandchildren with education expenses, a 529 Educational Savings Plan may be an option well worth considering.

General investment account A general investment account is a convenient and flexible way to invest. While not specific to saving for a child’s education, this type of brokerage account is an option for investing for both long- and short-term needs. If you want to invest to cover a child’s costs in addition to education, such as sports or school activities, this type of account provides a more flexible option.

For short-term investing options, consider a money market account and for long-term, a more aggressive fund like a stock fund or asset allocation fund may work best. (See: Thrivent Equity Funds)

UTMA custodial account A uniform transfers to minors act (UTMA) custodial account lets you establish and manage assets for your child, including stocks and other securities. Once the account is established on behalf of your child, the assets are considered irrevocable gifts that belong to them. The money must be used for the benefit of your child—and isn’t limited to just education costs.

Contributions are unlimited (the contributions are considered gifts and fall under the annual gift exclusion rule), and you can invest them in any of Thrivent’s mutual funds. Any investment income belongs to your child and it may be subject to the “Kiddie Tax”. Just know that once your child reaches the age of majority (generally age 18 to 21, depending on the state), the account must be turned over to them and they’ll have access to the funds for any purpose. (See: UTMA plans)

Start investing for your children today

No matter what account type you may choose, the earlier you begin investing, the more time your investments have to grow alongside your family for the future. Visit our Accounts page to learn more about opening an account with Thrivent Mutual Funds.



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.

The information provided is not intended as a source for tax, legal or accounting advice. Please consult with a legal and/or tax professional for specific information regarding your individual situation.