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?

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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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Gene Walden
Senior Finance Editor


Investing for shorter-term & intermediate goals

By Gene Walden, Senior Finance Editor | 04/13/2021

Millions of Americans invest in retirement accounts to save for their long-term needs, but what about shorter-term or intermediate goals, such as:

  • Buying a home or car
  • Renovating your current home
  • Taking a dream vacation

Investing for shorter-term goals may mean using a less aggressive strategy. Some individuals may choose to invest money in the stock market, while others may prefer to put the money in a bank savings account or a money market fund that carries less risk.

Investing a portion of your savings in the market may be more suitable if you expect to buy a new car or take that dream vacation several years from now, are saving for a house or a second home, or have other intermediate to long-term goals.

Mutual funds could be an option

If you’re willing to take some investment risk for potential appreciation beyond most banks and money market funds, Thrivent offers a couple of conservative bond funds.

Like nearly all mutual funds, they provide liquidity for investors who may need their money on short notice. Just keep in mind that the amount of money available to you would vary, depending on the performance of the funds:

  • Thrivent Government Bond Fund seeks total return, consistent with preservation of capital. The Fund primarily invests in securities issued or guaranteed by the U.S. government or its agencies and instrumentalities.
  • Thrivent Limited Maturity Bond Fund seeks a high level of current income consistent with stability of principal. This fund invests primarily in investment-grade corporate bonds, government bonds, asset-backed securities, mortgage-backed securities and collateralized debt obligations.
  • Another option, if you hope to use your investment savings in the next five to 10 years, is a more moderate and diversified mutual fund, such as an asset allocation fund. These funds invest in a diverse portfolio of stocks, bonds, and other investments.

Investment accounts for your interim goals

The mutual fund you invest in is one consideration. Another consideration is what type of account you will put your funds into.

Accounts you could consider:

General Investment Accounts – a few points

General investment accounts are taxable accounts that are often used when saving for interim goals.

  • Investors oftentimes seek general investment accounts because of the flexibility they provide.
  • Funds can be withdrawn, penalty-free, in the near-term if you need or want – although you will pay taxes on dividends and capital gains.
  • Thrivent offers taxable accounts with the flexibility of either single or joint ownership.
  • You could set up an investment account with Thrivent mutual funds for as little as $50 a month.

Tax-advantaged savings accounts can also help you save for interim goals, but with several more limitations.

  • These accounts typically offer several investment options, including mutual funds of various risk levels, and money market funds for shorter-term savings.
  • A Roth IRA could allow you to withdraw the basis (the money you contributed) first. The basis would not be taxable upon withdrawal because those dollars were already taxed before they entered the Roth IRA account, if you or your spouse have earned income and meet the income requirements. Learn about Thrivent’s investment accounts.

No matter how you choose to invest – be sure to weigh your options and carefully consider the risks.

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.

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.