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Three ways to invest in Thrivent funds

We’re here to help you invest with confidence.

MUTUAL FUNDS

Thrivent Account

You can purchase mutual funds right on our site with an online account.

Get started

Invest 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.

MUTUAL FUNDS & ETFS

Financial Professional

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

Contact a Thrivent advisor

Invest 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.

MUTUAL FUNDS & ETFS

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.

Invest 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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RETIREMENT PLANNING

One more reason to open a Roth IRA now: the five-year wait

African-American woman opening a Roth IRA on her laptop at home

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.

The Roth five-year rule 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).

Starting a Roth IRA

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 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 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.

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The Roth IRA five-year wait

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 2025 deadline could be credited as a 2024 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-2024 account start would mean that the earnings from your Roth IRA could be used for qualified purposes beginning in 2029.

If, over time, you open multiple Roth IRAs in addition to your original account, the five-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 2019, and then open another in 2024, you wouldn’t have to wait to start making qualified withdrawals of the earnings in your 2024 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 five-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.

Keep in mind, if you open more than one Roth IRA, you can contribute a total of $7,000 in 2025 cumulatively to all the accounts.

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)

 

 

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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