• Individual Investor
  • Individual Investor

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.

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.

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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STARTING OUT

7 ways to start investing after college


Key points

Employer benefits

Money that gets taken out of your paycheck before you even see it—and is automatically invested in a 401(k) plan—is money you won’t miss.

The value of time

By investing now, long-term returns can be significantly different compared with putting it off a few more years.

Mutual funds help make diversification easy

One benefit of diversifying through mutual funds is that the overall risk of a bundle of investments is often lower than the risk of a single investment.


If you’re a recent college graduate, investing might not be a high priority for you. Once you’re earning money, it’s tempting to spend it—especially if you’ve been living on a tight budget for years.

But the key to a better financial future is building wealth. While spending money on travel or going to a concert may be great in the short-term, achieving your longer-term financial priorities will mean investing some of your new salary.

Why you should invest

Want a new car or a house? Want to see the world? Hope to marry, have children and send them to college? Plan to retire early?

It’s time to start planning. It all begins with saving and investing. For instance, if you want to buy a house, building your savings by investing on a regular basis through a periodic investment plan may help you reach that goal more quickly. Investing in stocks, bonds and mutual funds offers the potential to grow your investment faster than a simple savings account. Of course, those investments carry the risk of loss. There’s no guarantee that your investments will grow, and you could lose money investing in the stock market.

A thoughtful investment plan balances risk by spreading it out—putting some investment into savings and some into mutual funds, for example.
 

Investing Insights newsletter

Subscribe to receive tips to help navigate your financial journey and ideas for setting and reaching your goals.

Get your investment program on track

1. Put off getting your own place. If you’re still living at home, this may be an excellent time to get a head start on your investment plan. Sharing expenses with a roommate also saves money—and you can start investing modestly with the cash you’re not spending on living expenses.

2. Look for a career, not just a job. As you look to match your skills and joining the work force, consider jobs that have room for advancement and continuing to improve your salary. Will teaching weightlifting at your gym give you a path forward with regular salary increases? If you focus on building wealth with a steady job in a field that offers a path for advancement and a competitive salary, you may be able to build wealth through investing, allowing you to fund more of your long-term goals.

3. Take advantage of your company’s 401(k) plan. Money that gets taken out of your paycheck before you even see it—and is automatically invested in a 401(k) plan—is money you won’t miss. Many employers will match your contribution fully or in part, which can increase your eventual payout exponentially. With most 401(k) plans, you don’t pay taxes on your contributions until you withdraw the money during retirement. What could be easier?

If you work for yourself or own a small business, there are other ways to build your nest egg using a tax-deferred retirement plan.

RELATED ARTICLES

If you’re self-employed you can still benefit from a tax-deferred retirement plan

If you’re self-employed, you can open a Simplified Employee Pension Plan (SEP) that may allow you to contribute thousands of dollars each year to a tax-deferred account.

How much are you missing out on every day you don’t invest?

By starting your investment plan now, you may be able to achieve the long-term results you’re seeking with just a fraction of the dollars you’d need to invest.

Traditional IRA versus Roth IRA: What’s the difference?

The main difference between a traditional vs. Roth IRA has to do with how your money is taxed. IRAs are accounts while mutual funds are investments.


4. Start small—but start. 
You don’t have to start by investing a large amount outside of your retirement plan options. For example, you can automatically invest as little as $50 a month into Thrivent Mutual Funds.1 This automatic investing plan is available whether you’re opening an IRA or a standard brokerage account. Through time and the power of compounding, your $50-a-month investment may contribute significantly to your financial goals.

5. Invest for the future even if you’re paying off student loans. Money might be tight, but the habit of investing is worth cultivating, and the value of time can be powerful. Your long-term returns can be significantly different if you start now rather than putting it off a few more years. 

The chart below compares two hypothetical scenarios—one in which the investor starts contributing $100 a month now and stops contributing in 10 years, and the other in which the investor starts investing $100 a month beginning in 10 years and continues for the next four decades.

As the chart illustrates, over a 50-year period with an average annual return of 7%, the investor could earn more over the next 50 years in the first situation—by investing now—compared to the investor who starts 10 years from now—even though the second investor invested more money!

Keep in mind these results are hypothetical and do not represent a specific investment. There’s no guarantee your investment portfolio will match the returns illustrated here, and you can lose money investing in the markets.

The key is the power of time. By starting 10 years earlier, a smaller investment has more time to grow.

Investing—the value of time

Comparative long-term returns based on 7% average annual return with monthly compounding

Timeframe Scenario 1: Start investing now Your portfolio: Account value Scenario 2: Start investing in 10 years Second portfolio: Account value
Timeframe Scenario 1: Start investing now Your portfolio: Account value Scenario 2: Start investing in 10 years Second portfolio: Account value
Years 1-10 $100/month $17,509 $0 $0
Years 11-20 $0 $35,187 $100/month $17,509
Years 21-30 $0 $70,714 $100/month $52,497
Years 31-40 $0 $142,111 $100/month $122,809
Years 41-50 $0 $283,963 $100/month $264,112
Total $12,000 $285,595 $48,000 $264,112

Hypothetical example is for illustrative purposes only. It is not intended to represent the performance of any particular security or product, nor does it take into consideration any product expenses, such as fees or sales charges. The results would be reduced if included.

6. Diversify through mutual funds. Investing in mutual funds is one of the easiest ways for many people to invest. By bundling many stocks or bonds into one fund, mutual funds help individual investors easily diversify their investments. One benefit of diversifying through mutual funds is that the overall risk of a bundle of investments is often lower than the risk of a single investment: if one company’s stock has problems, there are others in the portfolio that may cushion the blow.

Of course, while diversification can help reduce market risk, it does not eliminate it. Diversification does not assure a profit or protect against loss in a declining market. Thrivent offers a wide variety of different types of mutual funds.

7. Consider IRAs, which are also tax-deferred. Whether or not a 401(k) is available to you through your employer, you should consider opening an individual retirement account, or IRA. There are two main types: a traditional IRA, which lets you avoid taxes now—though you’ll pay taxes when you withdraw the money in retirement—and a Roth IRA, where you contribute with money you’ve already paid taxes on.

Setting up a 401(k), an IRA or a mutual fund account doesn’t have to be complicated; one of the key benefits of mutual funds is that you don’t need to manage your own portfolio.

You can pick from a variety of Thrivent mutual funds. If you prefer in-person assistance, consider talking with a financial professional.

 

 

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.

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.

At Thrivent Mutual Funds, we recommend you consult your tax advisor to make sure you’re getting the most out of your investments. Thrivent Mutual Funds and their representatives cannot provide legal or tax advice.

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