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  • 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.

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For guidance when investing, ask a financial professional about buying Thrivent mutual funds & ETFs.

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  • Additional fees may apply.

MUTUAL FUNDS & ETFS

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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.

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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

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

01/31/2023
By Gene Walden, Senior Finance Editor | 01/31/2023

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.

Sometimes referred to as the Roth “five-year rule,” it limits your flexibility in using earnings from your Roth IRA until five years after your first contribution (and a qualified event, such as reaching age 59½).

That’s why it’s important to open a Roth IRA sooner rather than later – even if you start with a minimal contribution – just to get the clock running. (See: Investing $50 a month could add up nicely for your retirement).

While your contributions – the money you deposit into your Roth IRA – can be withdrawn at any time for any reason without taxes or penalties, the five-year rule applies to any money you may have earned on your investments within the Roth IRA. However, it’s up to you to monitor your account to determine whether you are tapping into your contributions or actually withdrawing earnings from your Roth IRA.

So, if you’d like the option of using your Roth IRA earnings without incurring taxes or penalties to cover important expenses such as retirement costs (after age 59½), a first-time home purchase (maximum $10,000 lifetime limit), or to provide tax-free income to your beneficiaries, the sooner you open a Roth IRA, the sooner you would be able to take advantage of those options.

Counting down the years

The five-year period starts with the tax year of your first contribution, but you can make that contribution as late as the mid-April tax filing deadline in the following year. In other words, a tax time Roth IRA contribution made before the April 2023 deadline could be credited as a 2022 contribution, which would slice a year off the wait. Be aware that this must be designated as a carryback contribution; otherwise, an April contribution would be credited to the current year.

A tax-year-2022 account start would mean that the earnings from your Roth IRA could be used for qualified purposes beginning in 2027.

If, over time, you open multiple Roth IRAs in addition to your original account, the 5-year period start date for all of them would revert back to that of your first account. If you’ve had a Roth IRA since 2018, and then open another in 2023, you wouldn’t have to wait to start making qualified withdrawals of the earnings in your 2023 account (assuming you are age 59½ or meet one of the other requirements). Your five-year waiting period would have already elapsed. (Roth IRA conversions made prior to age 59½ have a separate 5-year holding period related to the 10% penalty being applied if you withdraw the conversion amount from the Roth IRA). For more on the five-year rule, see the IRS Publication 590-B.

Traditional versus Roth IRAs – same goal, different route

There are two types of IRAs – traditional and Roth IRAs. More than a third of U.S. households have one or the other – and sometimes both – although relatively few account holders make regular contributions. Only about 12% of American households contribute to an IRA each year, even though most wage-earners would qualify to make annual contributions.1 (See: Traditional IRA vs. Roth IRA: Which is Right for You?)

Regardless of which type of IRA you choose, you would typically have the flexibility of allocating your contributions to a variety of investments, including a wide range of mutual funds and other securities that may offer the potential for long-term appreciation. However, keep in mind, investments are not guaranteed to increase in value, and may in fact lose money. Historically, stock and bond markets have been volatile in the short term, but their performance has tended to even out over the long term as the economy moved through its various cycles.

For more about contributing to an IRA, see IRA contribution rules and limits.

Which type of IRA is right for you? There are several distinctions between the two, as well as some similarities. Both are designed to encourage Americans to save and invest for retirement, and both provide tax-deferred growth on investment gains within the account.

Before you make your choice, you may want to compare the primary benefits and drawbacks of each:

Key differences
Traditional IRA
Roth IRA

Contributions may be deductible from your annual income, helping reduce your current taxes.

Contributions are made with after tax dollars and provide no tax benefit for the current year.

Withdrawals of both contributions and earnings are taxed at your ordinary income tax rate.

Withdrawal of earnings at age 59½ or later (or if you meet any of the other requirements) and after your Roth has been open for the 5-year period, are tax-free.

Required Minimum Distributions (RMDs) are mandatory beginning the year you turn 73, and each year thereafter. (See: Required Minimum Distributions)

There are no RMDs for a Roth IRA, although your beneficiaries would be subject to RMDs.

Working individuals may continue to contribute to their IRA for as long as they have earned income. This represents a change in the tax law as part of the SECURE Act.  

There are no age limits on contributing to a Roth IRA.

Contributions withdrawn face taxes, and penalties will apply if withdrawn before 59 ½ (with certain exceptions). (See: Traditional IRAs)

Although your contributions are withdrawn first without tax or penalty, if investment earnings are withdrawn earlier than five years after the account start date, taxes, and possibly penalties, will apply. (See: Roth IRAs)


If you’re leaning toward opening a Roth IRA – and you hope to tap into the earnings from your investments at some point in the next several years – the best time to take the leap and start the clock may be right now. (See: Benefits of Roth IRAs go well beyond retirement)

1Investing Company Institute, "The Role of IRAs in US Households' Saving for Retirement, 2020."

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.

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