Tax Day is April 18, 2023. Visit the Tax Resource Center to help you prepare.

How to buy mutual funds & ETFs from Thrivent

We’re delighted you’re considering our funds. No matter how you buy, we’re here to help you invest with confidence.

Buy mutual funds online through Thrivent Funds

To buy mutual 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 funds through your financial professional

Need more guidance? Interested in an ETF? Ask your financial professional about Thrivent Mutual Funds and ETFs.

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 your brokerage account

Our mutual funds & ETFs can be purchased through online brokerage platforms. Search for Thrivent Mutual Funds and ETFs when making your selections.

Why buy through 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.

  • Determine your personal investment style by taking our quiz.
  • Talk to your financial advisor about ETFs.
  • Sign up for our monthly investing insights newsletter.

 

Need more help?
  • For mutual funds help, call us at 800-847-4836, or email contactus@thriventfunds.com.
  • For ETFs, contact your financial professional or brokerage firm.
  • For additional help visit our support page.

 

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. Expand for more info.
  • 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.

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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Tedra Osell
Author

RETIREMENT PLANNING

Job change is a prime time to pump up your finances

04/20/2021
By Tedra Osell, Author | 04/21/2021

Starting a new job is a major life change – and a good time to reassess your financial state of affairs. It may also be an ideal time to ramp up your investment plan to build wealth for the future.

Several tasks may await you when you start a new job. You may need to select your benefits, assess your tax situation, and – if you’re moving to a new city – make new living arrangements.

If your new position comes with a salary increase, it may also be an excellent time to assess your finances and devote more money to your investment plan.

Here are some of the considerations you may face with a new job:

Choose your benefits

1. Insurance

If your new employer offers insurance coverage like health, dental, vision, and life insurance, you’ll need to decide which insurance plan is right for you and your family. If your spouse already has comprehensive insurance coverage through his or her employer, you might want to compare those plans with the new ones you’re being offered to see which coverage is the best and most cost-effective.  If you’re happy with your spouse’s coverage, you might consider forgoing health insurance through your own employer in order to increase your take-home pay. However, if your employer offers a cost-effective life insurance policy, you should seriously consider enrolling in that to provide financial protection for your family.

2. Other benefits

Find out what other benefits may be available through your new employer. Can you get help with transportation or parking expenses? Does your employer offer a health savings plan? What about stock options? Are there any areas where you can receive discounts, like fitness center fees, movie tickets, or other special events? You should find out as much as you can about the benefits available through your new employer to decide which may be useful for you.

If your new employer offers access to a credit union, be sure to look at interest rates, benefits, and fees – the benefits of credit unions often more than compensate for the inconvenience of changing banks.

You may also have some clean-up to do regarding your benefits back at your old job. If you have paid time off that you haven’t used, make sure to find out if your state requires your old employer to compensate you for unused PTO, and alert your human resources department to ensure that you don’t leave that money behind.

Enroll in your 401(k) investment plan

If your new employer offers a 401(k) plan, that’s an ideal way to build your investment and retirement savings. Generally, money contributed to a 401(k) is deducted from your taxable income, although you would be taxed later when you withdraw money during retirement. (See: How to Get Your Retirement Savings Back on Track.)

Moreover, many firms with 401(k) plans will match your contributions up to a certain percentage. You should take full advantage of any match your company offers by contributing as much as you can – your employer’s matching contribution is free money that will grow tax-deferred! If your company offers a matching contribution of up to 5% percent of your pay, that’s the equivalent of a 5% raise. Try to contribute enough to take full advantage of the company match so that you’re not leaving any money on the table. 

Dealing with your old 401(k) account

If you also had a 401(k) at your old job, check to see whether your former employer requires you to close it out. They may not – but leaving your money in the 401(k) at your previous job might expose you to fees that were covered when you worked there but that your old employer won’t cover now that you’re no longer there. Consider, too, whether you want to keep track of multiple 401(k) plans; you may find it easier to roll your old plan over into your new employer’s plan or into an IRA or Roth IRA.

It’s important to look at your options when deciding whether to rollover.  Compare the investment options, fees and expense, service options and features of the different plans.    For example, different requirements apply to required minimum distributions and early withdrawals before age 59 ½. (See: Changing Jobs? What to Do with Your 401(k).)

Building wealth

One of the biggest temptations with a new job and a bigger income is to start spending more money. You should resist this temptation.

Instead, adjust your budget in ways that help you save and invest more, perhaps by opening an IRA in addition to your 401(k), or starting a college savings plan if you have kids. (See: The Power of Pairing Your 401(k) with a Roth IRA)

When you’re setting up direct deposit with your new employer, take the opportunity to set up automatic savings and investment transfers as well. If you already have an automated savings or investment plan, consider adjusting your contribution higher to take advantage of your higher income. (See: Start Building Your Nest Egg for Just $50 a Month)

Making the move

If you’re moving for work, you can’t avoid additional expenses. However, you can compare the costs of different options: for instance, renting a smaller, temporary home and storing some of your possessions until you find the right place to buy, rather than spending money on a long-distance house hunt.

If you’re moving to a more expensive city, you may be able balance out your housing expenses by relying on public transportation – especially if your employer offers help with transit costs. Even if you’re not moving, a new commute might offer the opportunity to adjust expenses like transportation and gym membership. You can take advantage of the new routine associated with your new job to reexamine expenses you’ve taken for granted and ask yourself if they’re still necessary.

A new job can be an exciting and challenging opportunity – as well as the perfect time to get your financial life in order.


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.

There may be benefits to leaving your account in your employer plan, if allowed. You will continue to benefit from tax deferral, there may be investment options unique to your plan, there is a possibility for loans, and distributions are penalty free if you terminate service at age 55+.


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