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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Gene Walden
Senior Finance Editor


If you’re self-employed, you can still benefit from a tax-deferred retirement plan

By Gene Walden, Senior Finance Editor | 12/19/2023

You don't have to own a big corporation to enjoy the same type of tax benefits that those owners experience with their company retirement plans. If you’re self-employed, you can open a Simplified Employee Pension Plan (SEP) that may allow you to contribute thousands of dollars each year to a tax-deferred account.

SEPs are similar to other employer retirement plans in that contributions you make as the business owner are considered a deductible business expense. Investments within both plans grow tax-deferred, and withdrawals in retirement are generally taxed at your ordinary income rate in the year of the withdrawal.

If you’re self-employed, here’s some info you might want to know about these popular plans:

  • You may contribute up to 25%1 of your compensation2 or $66,000 (whichever is less) for 2023 and $69,000 for 2024.
  • You can contribute to a SEP every year you are self-employed and have earned income, regardless of your age. 
  • You can adjust your contribution amount each year as the situation warrants.
  • You have until your business’ tax filing date plus extensions to set up and fund a SEP.3
  • You must start taking required minimum distributions (RMDs) in the year you turn 73. (See: Make the most of required distributions)

If you take a distribution before age 59½, you would normally be subject to income taxes and a 10% early distribution penalty. The 10% penalty may not be imposed if the following conditions apply:

  • You are totally and permanently disabled.
  • You (and your spouse) are a first-time home buyer(s), in which case you can use up to $10,000 from your SEP to make a down payment on a home.
  • You are using the distribution to cover unreimbursed medical expenses.
  • You use the money to pay health insurance premiums while you’re unemployed.
  • You use the money for qualified higher education expenses.
  • You have a new baby or adopt a child. You may withdraw up to $5,000 from your IRA without a penalty. The withdrawal must be made within one year after the birth or adoption date. The distribution may be treated as a rollover and may be resubmitted to an eligible retirement plan or IRA.
  • For more information, see Exceptions to tax on early distributions

Although you would not pay a penalty on money withdrawn after 59½ (or if you qualify for an early distribution exception), you would owe taxes on all distribution at your ordinary income rate for the current tax year.

Other SEP guidelines

If you hire any employees, some other requirements would apply. For instance:

  • Contributions are only made by the employer; no employee contributions are allowed.
  • If you have any employees who are at least age 21 and worked for you at any time in three out of the prior five years they must be included in the SEP plan.
  • If you contribute on your own behalf, you must also contribute on behalf of all eligible employees.
  • Employees are always 100% vested in (or, have ownership of) the SEP-IRA contributions you make on their behalf.

How to set up a SEP for your business

Establishing a SEP for your business starts with maintaining a plan document. The IRS provides a prototype document called the 5305-SEP, Simplified Employee Pension plan document.  That is a matter that you may choose to handle through your tax advisor or on your own. (For more details, see IRS article: How do I establish a SEP?)

Once your business has established the SEP Plan, you will be able to open a SEP-IRA with a qualified financial institution to receive your contributions and provide investment choices, such as mutual funds, in which to invest your funds. If you have any employees they will also need to open a SEP IRA, and provide you where their contributions need to be sent.

A SEP plan can put you on the road to retirement with tax benefits similar to those of corporate retirement plans. You can open a SEP IRA today through Thrivent Mutual Funds and start saving for your retirement.

1 Self Employed owners who file Schedule C are limited to 20% of net earned income

2 For Schedule C filer, it would be net earned income; for Schedule C or Sub S Corporation filer, it would be W-2 income.

3, Retirement Plans FAQs regarding SEP contributions

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.