How to buy mutual funds from Thrivent

We’re delighted you’re considering Thrivent Mutual Funds. No matter how you buy, we’re here to help you invest with confidence.

Buy online through Thrivent 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 through a financial professional

Need more guidance? Ask your financial professional about Thrivent Mutual Funds.

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 an investment account

Our funds can be purchased through other online brokerage platforms. Search for Thrivent Mutual Funds when making your selections.

Why buy through a brokerage account?

  • Add Thrivent Mutual Funds to 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.


Need more help?

Call or email us.

M-F, 8 a.m. – 6 p.m. CT
Say “” for faster service. or,
Visit our support page


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. $50 a month automatic investment does not apply to the Thrivent Money Market Fund or Thrivent Limited Maturity Bond Fund, which have a minimum monthly investment of $100.

Now leaving


You're about to visit a site that is neither owned nor operated by Thrivent Mutual Funds.

In the interest of protecting your information, we recommend you review the privacy policies at your destination site.

Traditional IRA vs. Roth IRA: Which is right for you?

Not sure what type of Individual Retirement Account (IRA) is right for you? You’re not alone. Both traditional IRAs and Roth IRAs offer unique benefits, but you’ll need to consider your financial goals to determine what’s right for you.

Tax deductible vs. tax deferred

When comparing traditional IRAs and Roth IRAs, taxes are a key difference between the two types of accounts. Traditional IRAs offer a potentially tax-deductible way to contribute to your retirement, in which your contributions and earnings aren’t taxed until they’re withdrawn. In contrast to a traditional IRA, a Roth IRA is an individual retirement account in which your contributions are made with money you’ve already paid taxes on, allowing “qualified withdrawals” of earnings that are tax- and penalty-free.

Future and current tax brackets

Your tax bracket is the tax rate for the range of income you’re reporting on your federal income taxes. The more reported income, the higher the tax percentage.  Your current tax bracket is easy to figure out by looking at your latest tax return, but your possible future tax bracket is probably harder to imagine. For comparing the advantages and disadvantages of traditional and Roth IRAs, it’s handy to have at least an idea of whether your future tax bracket will be higher or lower than your current one. 

With a traditional IRA, you’re getting a potential tax deduction now, but in the future you’ll have to pay taxes at whatever tax bracket you’re in when you start your distributions. If you believe that your tax bracket will be lower in the future than it is now, there may be a tax advantage to investing in a traditional IRA. (For specific income and contribution rules and limitations, go to Traditional IRAs.)

With a Roth IRA, you’re contributing with money you’ve already paid taxes on so that money is not taxed at withdrawal, and everything the account earns can be taken out free of taxes after the account has been open for five years and you’re at least age 59½, disabled, purchasing your first home (a $10,000 lifetime limit), or you’ve inherited the Roth IRA.

If you anticipate that your tax bracket in the future will be higher than now, the Roth IRA may be a good option for you. (For specific income and contribution rules and limitations for Roth IRAs, go to Roth IRAs.)

Best of both worlds

Can’t choose? You can actually contribute to both types of IRAs if you want to take advantage of the unique benefits each account offers. The annual contribution limit can be split between your IRAs. And if you currently have a traditional IRA and decide a Roth IRA would be a better fit, you can always  convert your traditional IRA account into a Roth