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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Pairing a Roth IRA with your 401(k)

Young couple at home looking at their investment portfolio

Boost your retirement savings

A 401(k) alone may fall short of the funds needed for your retirement.

Tax requirements differ

Pairing a 401(k) with a Roth IRA may help your tax situation at different points in your life.

Contributing to your 401(k) plan at work is an important step toward saving for your retirement. But a 401(k) alone may still fall short of the funds needed for the rest of your life.1

By contributing to a Roth IRA in addition to your traditional 401(k), you may be able to supplement your retirement savings and gain more flexibility in accommodating your evolving financial needs, both during and after your working years.

Roth IRA & traditional 401(k): A snapshot comparison

  Roth IRA Traditional 401(k)
  Roth IRA Traditional 401(k)
Management/control You Employer
Contributions Post-tax Typically pre-tax
Contribution limits 2023: $6,500 ($7,500 if over age 50)
2024: $7,000 ($8,000 if over age 50)
2023: $22,500 ($30,000 if over age 50)
2024: $23,000 ($30,500 if over age 50)
Withdrawals Qualified distributions are tax-free2 Typically taxed
Required minimum distributions (RMD) No RMDs At age 73, you must take the RMD each year to avoid tax penalties3
Tax benefits No tax benefit for the current year Potentially lower current year taxable income

Benefits of a traditional 401(k)

A traditional 401(k) plan is an excellent vehicle for retirement savings—particularly if your company offers a matching or partially matching contribution.

  • Contributions are typically withdrawn automatically from your earnings each paycheck and deposited in your account, so you pay yourself first.
  • 401(k) plans are generally funded with pre-tax contributions, which typically lower your current year’s taxable income—a benefit at tax time.
  • 401(k) withdrawals in retirement are typically taxed.

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Benefits of a Roth IRA

Adding a Roth IRA account to your retirement portfolio provides benefits not available with a traditional 401(k) plan.

  • While a Roth IRA doesn’t provide a tax benefit for the current year, any earnings on your contributions grow tax-deferred, and you have the benefit of tax-free withdrawals later if you meet the requirements for a qualified distribution.[2]
  • While you won’t be able to contribute as much to a Roth IRA as you would to a 401(k), over the years, your Roth IRA contributions could add up to supplement your 401(k) savings.


IRA contribution limits for 2023 & 2024

Here are the 2024 and 2023 rules and contribution limits to help you get the most out of your IRA.

One more reason to open a Roth IRA now―the 5-year wait

If you’ve considered opening a Roth IRA but haven’t yet made the move, there’s one very compelling reason to get started now―and it goes beyond the customary tax and investment benefits that a Roth IRA may offer.

Investing $50 a month could add up nicely for your retirement

Investing early, even as little as $50 a month, may pay off for your retirement savings goals.

Differences between a Roth IRA & 401(k)

While the primary benefit of adding a Roth IRA to your investment portfolio is the potential for building a bigger retirement plan, there are other things to consider when pairing a Roth IRA with your 401(k):

  • Investment choices
    The investment options available within an employer-sponsored 401(k) plan are generally determined by the employer. With a Roth IRA, you may have the flexibility to choose how you want your assets invested to best fit your financial goals.
  • You can choose between taxable and tax-free withdrawals
    If you have both a Roth IRA and 401(k), you may have more control over your tax situation (particularly prior to age 73). For instance, if you want to minimize your taxes during a particular year, you may be able to take more money out of your Roth IRA. Roth IRA contributions may be withdrawn at any time and, if your account has been open for at least five years, your earnings may also be withdrawn tax-free after you turn age 59½. If you take a distribution before age 59½, you would normally be subject to income taxes and a 10% early distribution penalty on the earnings, although certain exceptions apply. The 10% may not be imposed if the following conditions apply, see Exceptions to tax on early distributions for more information.

Once you are required to start taking RMDs from your 401(k), if you don’t require income in addition to your RMD amount, you may wish to limit your withdrawals from your Roth IRA. This allows your Roth IRA to potentially continue growing tax-free.

  • Roth IRA funds are available for other uses
    You can use Roth IRA contributions to fund other life milestones, such as:
    • Education expenses for your children
    • Down payment on a home
    • Unexpected family emergency―even before you turn age 59½. Your contributions (not earnings) can be withdrawn from your Roth IRA at any time for any reason―federal tax and penalty free.

If you meet certain requirements, you can withdraw your earnings from your Roth IRA. These requirements ensure your withdrawal is considered a qualified income tax-free distribution. 

  • Roth IRAs have no upper age restrictions
    You can continue contributing to a Roth IRA regardless of your age, as long as you or your spouse have sufficient earned income to cover the contribution.
  • Roth IRAs have no required minimum annual distributions
    Unlike traditional IRAs or 401(k) plans, which require you to take minimum distributions starting at age 73, you are never required to take a distribution with a Roth IRA. Your beneficiaries, however, must take required minimum distributions (RMDs). They would typically receive the distributions as qualified tax-free distributions, provided you established the Roth IRA at least five years before your death.
  • Roth IRA limitations
    The maximum annual contribution allowed for Roth IRAs, traditional IRAs or a combination of both is $6,500 for tax year 2023 and $7,000 for tax year 2024. (If 50 and older, $7,500 for 2023 and $8,000 for 2024.)

Even if you contribute the maximum amount to a 401(k), you can still contribute to a Roth IRA in the same year, unless your income exceeds the eligibility limit.

Taking advantage of both a Roth IRA paired with your traditional 401(k) could be a helpful step in your retirement planning.

If you don’t have a 401(k) at work, you could get started investing some of your earnings in a Thrivent Mutual Funds traditional IRA or Roth IRA.[4]



1 Nova, Annie. “Many younger baby boomers may outlive their 401(k) savings, new research finds. Here’s why.” CNBC. 2022. (Feb. 1, 2024).

Requirements for qualified distributions can be found in detail in IRS Publication 590-B.

3 Participants could delay their RMDs if they are still working and not a 5% owner of the business if plan allows

4 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.

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.