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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.


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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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By Gene Rebeck


How to protect your investments

Why ‘building an ark’ can help you weather a down market
By Gene Rebeck | 06/08/2021


One of the many things Warren Buffet is known for is something called the Noah rule: “Predicting rain doesn’t count. Building arks does.”

After enjoying one of the longest bull market runs in U.S. stock market history (from March 2009 through early 2020), many investors found it easy to overlook the fact that markets can also go down, and even those who realized this may have failed to convert that thought into action. As a result, when new economic challenges emerged, some of the gains earned during the bull market quickly vanished when the inevitable down market came.

That’s why it’s a good idea to consider investment strategies designed to help mitigate your losses in a down market. Below, we’ve laid out a handful of strategies that you may find helpful.

Strategies to consider

First of all, let’s be clear: Even if you follow one of these strategies (or several of them) rigorously, there’s no guarantee that your assets won’t decline in value as the overall market declines. But these strategies could help mitigate your losses and potentially continue your income stream amidst the choppy waters:

  • Many eggs, many baskets. Whether or not you expect the market to remain strong for the foreseeable future, it may be a smart strategy to put your eggs in several baskets—that is, in several asset groups feeding into the performance of the portfolio. The colorful chart below helps illustrate this concept.

(More information on the components in this chart is available in the footnotes.1)

The chart compares 10 years of annual performance for 11 different asset groups. It shows how different types of assets perform differently relative to the other asset groups from year to year. For instance, the chart shows that the performance of Mid-Cap Stocks (in the dark gray box) exceeded the performance of many other asset classes during four of the past 10 years, but it has also been among the worst performers within the same time period.

That’s why diversification is so important. Since each asset class tends to vary in performance from one year to the next, an asset class that leads all categories one year could trail the next year. Although diversification can help reduce market risk, it does not eliminate it and it does not assure a profit or protect against loss in a declining market. Also, of note, these asset classes often increase and decrease in value during a single year, although at different percentages. Still, diversification may help reduce losses during stock market fluctuations.

  • Diversified mutual funds. One way to achieve diversification is through asset allocation funds. These funds seek to reduce volatility by distributing assets into different buckets of investments. These buckets typically include a variety of equity securities, bonds and other fixed income securities. (See: Asset allocation funds can help tame volatility)
The diversification these funds offer may make them less volatile than the performance of a single equity category. While it is true that more conservative portfolios may tend to have lower potential returns over the long term, in the down times, their losses tend to be more modest than those of more aggressive investments.
  • Noncorrelated assets. Look back at that chart. It suggests that when one asset declines, another may rise. In other words, their performance isn’t correlated—they don’t rise (or fall) together. The idea behind investing in noncorrelated assets, then, is to balance the ups and downs of those assets.
One thing to keep in mind: Noncorrelation doesn’t mean there’s a hard-and-fast relationship between assets. Two assets that perform in opposite ways one year can correlate the next. And as we’ve mentioned, asset classes often rise (or fall) together in a single year. Again, the idea is to diversify to spread the risk. (Thrivent Mutual Funds offers more than 20 stock, bond and asset allocation funds.)
  • Periodic rebalancing. Whether the market has been up or down (or both), it’s worth rebalancing your portfolio from time to time. If most of your investments have been in stocks or stock funds during the past decade, you might find that you now have more money in equities than you expected—and more than you’re comfortable with—especially if you want to potentially mitigate your losses in a potential downturn.
A periodic review can also be helpful to see whether your asset allocation conforms to your current risk tolerance and your financial needs. Perhaps it’s time for more bonds and fewer stocks, for instance. That’s a decision to make based on what you consider your current tolerance for risk—how close you are to retirement, for instance. If retirement is a long way off, you may still opt to stay fairly aggressive.
And if you’re expecting to write a big check in the next year, such as for a larger house, lakeside cabin, a tuition payment, or a bucket-list vacation, you’ll want to design your portfolio so that you can cash in some of your investment assets when you need to.

Think long-term

Perhaps the ultimate strategy is to stay calm and try not to overreact. History teaches that the bear market will return—at some point. But constantly tinkering with your portfolio based on a few days of market drops may be counterproductive and could ultimately hurt your performance. It can be a sucker’s bet to try to time the market. (See: The folly of market timing)

Instead, consider creating a mix of assets—stock funds and bond funds in particular or asset allocation funds—that may minimize your losses during a downturn. That way, you may be in a good position to take advantage of the market when it returns to bull territory.

In short, think long-term. Make a plan and stick to it. At the same time, make your plan flexible enough to adjust to changes in your family’s needs.


Past performance is not necessarily indicative of future results.

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.

Any indexes shown are unmanaged and do not reflect the typical costs of investing. Investors cannot invest directly in an index.


In the chart:

Cash is represented by the Bloomberg Barclays US Treasury Bill 1-3 Month Index, which measures the performance of public obligations of the U.S. Treasury with maturities of 1-3 months.

High-Yield Bonds are represented by the Bloomberg Barclays US Corporate High-Yield Bond Index, which measures the performance of fixed-rate noninvestment-grade bonds.

International Bonds are represented by the Bloomberg Barclays Global Aggregate Index ex-USA, which measures the performance of global investment grade fixed-rate debt markets that excludes USD-denominated securities.

International Stocks are represented by the MSCI All Country World Index ex-USA, which is a free float-adjusted market capitalization index that is designed to measure equity market performance in all global developed and emerging markets outside the U.S.

Large Cap Growth Stocks are represented by the S&P 500 Growth Index®, which measures the performance of large-cap growth stocks.

Large Cap Stocks are represented by the S&P 500 Index®, which represents the average performance of a group of 500 large-cap stocks.

Large Cap Value Stocks are represented by the S&P 500 Value Index®, which measures the performance of large-cap value stocks.

Mid-Cap Stocks are represented by the S&P MidCap 400 Index®, which measures the performance of mid-cap stocks.

Real Estate Securities is represented by the Real Estate sector of the S&P 500 Index®. Small Cap Stocks are represented by the S&P SmallCap 600 Index®, which measures the performance of small-cap stocks.

Investment-Grade Bonds are represented by the Bloomberg Barclays US Aggregate Bond Index, which measures the performance of U.S. investment grade bonds.

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