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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The risk of avoiding risk

Key points

Stocks vs. inflation

Despite their volatility, stocks historically have outpaced the average annual rate of inflation.

Incorporating risk to achieve goals

If you have ambitious savings goals, taking on investing risk may be one way to achieve those goals.

As an investor, you will probably face risk. Even if you don’t invest at all and simply hold onto your cash, you still face inflation risk—the risk that the rising cost of living through inflation will dilute your buying power.

For instance, if you put aside $1,000 in cash in 1993, 30 years later in 2023, the buying power of that money would have dropped to less than half—just $478 (in 1993 dollars).1 It might make you feel safer to hold onto your cash, but it loses value every day due to the impact of inflation.

A world of risks

Stocks are the most popular types of investments, with more than 53% of Americans invested in the market through equities. Other popular investments are cryptocurrency, exchange traded funds (ETFs) and mutual funds.2

Despite their popularity, stocks and bonds carry multiple risks.

Among the risks stock owners face: 

  • Market risk: the risk that the overall market will drop.
  • Sector risk: the risk that the industry or market your stock is in will drop.
  • Economic risk: the risk that the economy will slump and drag down the stock market.
  • Individual stock risk: the risk that your specific stock will drop in value.
  • Geographical risk: the risk that the country or region you are invested in will hit hard times driving down the price of stocks in that location.

Fixed-income investments, such as bonds, also carry risks, such as interest-rate risk. If interest rates rise, typically the market value of many fixed-rate bonds tends to drop because investors can buy similar bonds with higher rates, reducing the attractiveness of the older, lower-yielding bonds.

You may be able to minimize interest-rate risk by investing in short-term bonds or notes, but they typically pay a low return, which would open you up to further inflation risk. You might avoid inflation risk by investing in high-yield bonds, but, again, you face interest-rate risk as well as credit risk, which is the risk that the bond may default and become worthless.

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Why risk it?

Investors often choose to take on risk because over time, the rewards of many investments tend to outweigh the risks.

Despite all of its volatility, the S&P 500® index has grown by an average of more than 11% per year over the past 50 years (through 2023)3, while 10-year U.S. Treasury bonds have provided an average annual yield of just over 3%.4 While past performance may not be indicative of future returns, those historic returns of stocks outpaced the average annual rate of inflation, which has been about 4% over the past 50 years.5 (The S&P 500 Index is a market-cap weighted index that represents the average performance of a group of 500 large-capitalization stocks.)


Your retirement and how to start planning now

To start planning for the retirement you want or will be able to afford, you’ll need an idea of your current costs, what they’ll be in the future, and how much income to expect from your investments. From there you can adjust as needed.

The 4 long-term investment strategies to help increase gains

If you’ve ever wondered, “Where are the markets heading?” or “Is my mutual fund diversified enough?”, you’re not alone. It can be tempting to withdraw investments earmarked for long-term goals when the market dips. Understanding these four long term strategies may help you stay invested in your future.

Reaching your goals may require risk

If you have ambitious savings goals, taking on risk may be one way  to achieve those goals.

Let’s say you hope to retire 30 years from now, and after calculating your anticipated retirement expenses and factoring in the impact of inflation, you determine you’ll need about $2 million for retirement.

To reach $2 million with no risk and no return on your savings, you would need to save $66,667 per year ($5,556 per month) for 30 years, which could be out of reach for most Americans.

By taking on some investment risk, you may be able to reach your goal while saving significantly less each month.

With a relatively conservative approach to investing that earns a long-term return of 5% per year compounded daily (after expenses), an investment of just $2,500 per month would grow to $2.09 million after 30 years (see graph below).

As the table below shows, more than half of your total of $2.09 million would come from the return on your investment. Your total amount invested during that period would be $900,000 with the remainder, $1.19 million, coming from investment returns.

Annual return % Monthly investment Total 30-year contribution Investment return ($) Balance after 30 years
Annual return % Monthly investment Total 30-year contribution Investment return ($) Balance after 30 years
0% $5,556 $2,000,000 0 $2,000,000
5% $2,500 $900,000 $1,193,235 $2,093,235
10% $1,000 $360,000 $1,939,140 $2,299,140

Hypothetical example is for illustrative purposes only. It is not intended to represent the performance of any particular security or product, nor does it take into consideration any product expenses, such as fees or sales charges. The results would be reduced if they were included.

Pursuing your goals when investing less

What if you can only afford to save $1,000 a month? As the above table shows, you could reach $2 million in 30 years at $1,000 per month if you can generate an average investment return of 10% per year.

That would mean taking on more risk, but, as mentioned above, the S&P 500  averaged a return of more than 11% per year over the past 50 years. Although you can’t invest directly in an index, you can invest in mutual funds that invest primarily in stocks and, in some cases, may provide returns similar to the performance of the index.

While stocks may be volatile in the short term, the performance of the overall stock market has tended to even out over the long term as the economy moves through its various cycles.

As the above table illustrates, with the 10% annual return example, your $1,000 monthly contributions would add up to $360,000 during the 30-year period, while your investment return would total $1.94 million—more than five times the dollar amount you invested—to reach the $2.3 million total balance.

The monthly amount you invest and the investment choices you make—whether your portfolio is mostly stocks (or stock funds), bonds (or bond funds) or a diversified mix of both—should be based on your own means, goals and threshold for risk. But remember, avoiding one type of risk may mean facing another, including the risk of failing to reach your retirement goals.



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.

1 Dollar Times calculator, (Dec. 28, 2023).

2 SoFi, “SoFi invest midyear investing report” Aug 2, 2023. (Dec. 28, 2023)

3 The Motley Fool, “S&P 500 Annual Returns” January 26, 2024 (Jan. 29, 2024).

4 Macrotrends, “10 Year Treasury Rate – 54 Year Historical Chart” (Dec. 29, 2023).

5 The balance, “US Inflation Rate by Year from 1929” March 31, 2023 (Dec. 28, 2023).

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By starting your investment plan now, you may be able to achieve the long-term results you’re seeking with just a fraction of the dollars you’d need to invest.

By starting your investment plan now, you may be able to achieve the long-term results you’re seeking with just a fraction of the dollars you’d need to invest.