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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Will you have enough to make your retirement plans a reality?

Senior African American couple outside looking at photos taken on a digital camera

Key points

Start with the 80% rule

Start with planning to have 80% of your pre-retirement income available for annual use, but then factor in lifestyle and health scenarios that will reflect your needs.

Be aware of temptations

Spending too much too early or taking an early retirement may affect your success in affording the retirement of your dreams.

After years of hard work (and some delayed gratification), you’re finally looking forward to a fulfilling retirement. And you have some big plans. Travel. Fine dining. A cozy cabin in the woods.

The question is: Will you have enough money to make those plans a reality?

How much do you need for retirement?

If you’re just starting retirement or expect to do so soon, you may be looking at your retirement assets—401(k), IRAs, annuities and other investment vehicles, as well as Social Security—and feeling comfortable. For American workers, 64% feel at least somewhat confident that they’ll have enough money to live comfortably in retirement. Among retirees, that confidence level is around 73%.1

But the fact is, many retirees and retirees-to-be may be overconfident. And that means they’re likely to overspend. People who do often find that those golden years become tarnished—and more quickly than they could have imagined.

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How much is enough?

That’s up to you to determine based on how you want to live out your retirement years. You may have heard the general rule you need 80% of your pre-retirement income for annual use in retirement. That is a good starting point. But then you need to factor in your anticipated lifestyle and health scenario to come up with a figure that reflects your needs.

For example, with all that extra time on your hands, finding entertaining ways to fill the hours could mean spending more than 80% of the income you were earning before retirement. And that can quickly break any budget.

This doesn’t have to happen to you—if you look at retirement more like a marathon and less like a sprint.

Keep your eyes on the prize

If you want to comfortably enjoy your retirement years, it may help to avoid these common temptations:

Spending too much in the early years. This temptation comes from the hard balance of enjoying your time while you are younger and healthy, but potentially needing extra income to balance additional medical challenges later in retirement years.

Here are the challenges of leaning too hard on the enjoying time younger side:

  • Excessively withdrawing from your retirement savings reduces the power of compounding interest on your investments. 
  • You may be very lucky and live longer than you expect.

While the current life expectancy in the U.S. is about 79.3 years for women and 73.5 for men,2 those numbers climb as people get older. For instance:

  • If you’re a 65-year-old male, you would be projected to live to 84 years old.3
  • A 65-year-old woman would be projected to live to almost 87.3

You could say that the longer you live, the longer you will live. And your retirement assets will need to last longer, too.

Taking early retirement. That’s not always by choice. Health concerns and job loss sometimes make it unavoidable. But some people do retire earlier than they should.

This may be because you don’t want to wait, particularly when you can start collecting Social Security at age 62. But that also means you’ll receive only 70% of the Social Security retirement amount you would have received if you had waited until age 67 (assuming you were born 1960 or later). Retire at age 70, and you’ll get 124% of that benefit.4

In other words, while taking your Social Security benefits early means you get your money sooner, it also means less income per month for the rest of your life. And by retiring early, you’ll also be withdrawing sooner from your other retirement accounts.


Putting time on your side

In the investing world, time may pay off in helping you accomplish your large savings goals.

Investing for retirement

Two popular types of all-in-one mutual funds are target date funds and target risk funds, designed to help you realize your investment goals in a convenient way.

Retirement savings: get back on track

If you’ve fallen behind on retirement savings goals, here are steps you can take to build up your savings.

Keeping the fun in your retirement

If retirement is starting to look a bit more boring than you expected, there are some ways around that. You can craft a plan that combines a budget and retirement asset preservation—while still including a healthy helping of fun. For instance:

Consider withdrawing from your taxable retirement accounts first. This lets you take advantage of what could be potentially lower capital gains tax rates while allowing your tax-deferred and tax-free accounts to keep growing.

The success of this strategy depends on your retirement age—and other financial considerations. Keep in mind that at age 73, you may be required to take a minimum distribution from certain tax-deferred accounts like a 401(k) or traditional IRA.

Tailor your withdrawals to you—not to what everyone else is doing. Some people say you should commit to withdrawing 4% of your total assets per year during retirement. While that may work just fine for some people, everyone’s situation is different. You need to develop a retirement spending plan that fits your financial situation.

When deciding on a plan for yourself, here are a couple factors to keep in mind:

Inflation. Even at a fairly modest level, over a period of years or decades, inflation could take a big bite out of your buying power.

For example, with an average annual inflation rate of 4%, here's what happens to $1,000:

After $1,000 would be worth
After $1,000 would be worth
5 years $820
10 years $680
20 years $460


To put it another way, after 20 years, inflation would have cut your buying power to less than half of your original $1,000.

Health care costs. While Medicare and Medicaid—or similar health insurance plans—may cover much of your health care costs during retirement, they won’t cover everything. For instance, while Medicaid may cover some of the costs of an assisted living or long-term care facility, it may not cover them all.

Because of this, your plan might need to include setting aside extra savings in case you need to cover a portion of your assisted living or medical care costs in the future.

Be prepared to pivot. Even with a carefully designed savings and investment plan, you may find that you won’t be able to build up enough assets to live out your retirement dreams.

Which means you may have to pare back your aspirations. Or you may decide to work longer to sock away more retirement dollars. You also might decide to work part time or start a small business after you’ve retired from your full-time job to add more dollars to your retirement nest egg.

Taking the long view

The bottom line is that retirement isn’t the time to give up the habits that enabled you to build your assets. Budgeting, planning and long-term thinking—and yes, a little delayed gratification—will give you the best chance of having the funds you need in time for your retirement date.

Maybe you won’t be able to afford all your retirement dreams. But by planning ahead and playing it smart, you may still be able to afford an enjoyable and generous life throughout your retirement.



1 “2023 Retirement Confidence Survey.” The Employee Benefit Research Institute. 2023.

“Life Expectancy.” Centers for Disease Control and Prevention National Center for Health Statistics. 2023. (February 12, 2024).

Social Security Administration, Retirement & Survivors Benefits: Life Expectancy Calculator.

“Effect of Early or Delayed Retirement on Retirement Benefits.” Social Security Administration. (February 12, 2024).

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.

Thrivent employees have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.