What is your investing style?

 

Answer seven questions to uncover how you tolerate risk and we'll help you understand how that shapes your investment style.

What do you want from your investments?

One year ago, you made a $10,000 investment. Its value may change over time. Over a year, how much gain or loss would you be comfortable with?

4% 6% 10% 20% 40% $6k $10k $8k $12k + / – $14k Potential unrealized gain Potential unrealized loss

The maximum gain or loss on an investment is impossible to predict. The ranges shown in the chart are hypothetical and are designed solely to gauge an investor's risk tolerance.

What would you do if the market crashes and your total investment value dropped by 30% within three months?

Investments with high potential returns are usually more risky. Are you OK with your investment dropping in value during a period of market volatility?

I don't plan on touching my money for years.

Then, I plan on withdrawing my money over a year span.

Do you ever anticipate cashing out 20% or more of your investment in one large withdrawal?

If your household lost its source of income today, how long could you pay your bills with your non-retirement savings?

Funds that may match your investing style

Thrivent Aggressive Allocation Fund
Asset Allocation

Pursues long-term growth by investing predominantly in stocks

Target Allocation
95% Equities
5% Fixed Income
Thrivent Moderately Aggressive Allocation Fund
Asset Allocation

Pursues long-term growth by investing mostly in stocks, but with a portion in bonds

Target Allocation
77% Equities
23% Fixed Income
Thrivent Moderate Allocation Fund
Asset Allocation

Pursues long-term growth by investing in a balanced mix of stocks and bonds

Target Allocation
57% Equities
43% Fixed Income
Thrivent Moderately Conservative Allocation Fund
Asset Allocation

Pursues long-term growth by investing mostly in bonds, but with a portion in stocks

Target Allocation
37% Equities
63% Fixed Income
Thrivent Balanced Income Plus Fund
Income Plus

Pursues long-term growth and income by investing in a balanced mix of stocks and bonds

Target Allocation
50% Equities
50% Fixed Income
Thrivent Diversified Income Plus Fund
Income Plus

Pursues income and long-term growth by investing mostly in bonds, but with a portion in stocks

Target Allocation
25% Equities
75% Fixed Income
Thrivent Opportunity Income Plus Fund
Income Plus

Primarily pursues income by investing predominantly in bonds

Morningstar Fixed Income Style Box
Interest Rate Sensitivity:
Limited
Credit Quality:
Low
 
Thrivent Small Cap Growth Fund
Equity

Pursues long-term growth by investing in small-company stocks that may be fast growing

MARKET CAP Small Cap
STYLE Growth
Value Growth
Thrivent Small Cap Stock Fund
Equity

Pursues long-term growth by investing in small-company stocks

MARKET CAP Small Cap
STYLE Blend
Value Growth
Thrivent Mid Cap Stock Fund
Equity

Pursues long-term growth by investing in stocks of mid-sized companies

MARKET CAP Mid Cap
STYLE Blend
Value Growth
Thrivent International Allocation Fund
Equity

Pursues long-term growth by investing mostly in international stocks, with some bonds

Target Allocation
90% Developed
10% Emerging
Thrivent Large Cap Growth Fund
Equity

Pursues long-term growth by investing in large-company stocks that may be fast-growing

MARKET CAP Large Cap
STYLE Growth
Value Growth
Thrivent Large Cap Value Fund
Equity

Pursues long-term growth by investing in large-company stocks that may be undervalued

MARKET CAP Large Cap
STYLE Value
Value Growth
Thrivent Global Stock Fund
Equity

Pursues long-term growth by investing in global large-company stocks

Target Allocation
55% U.S.
45% Non-U.S.
Thrivent Low Volatility Equity Fund
Equity

Pursues long term growth by optimizing a portfolio of global equities for lower volatility

Target Allocation
60% US
40% Non-US
Thrivent Multidimensional Income Fund
Fixed Income

Pursues income by investing in bonds, equities and opportunistic investments

Target Allocation
5% Core Fixed Inc
40% Core-Plus Fl
55% Flexible Income
Thrivent High Yield Fund
Fixed Income

Pursues income by investing in higher yielding, higher risk bonds

Morningstar Fixed Income Style Box
Interest Rate Sensitivity:
Limited
Credit Quality:
Low
 
Thrivent High Income Municipal Bond Fund
Fixed Income

Pursues income by investing in municipal bonds, including higher yielding and higher risk bonds, that are mostly federally tax-exempt

Target Allocation
30% A or Above
55% BBB & BB
15% N/R and Below BB
Thrivent Income Fund
Fixed Income

Pursues income by investing primarily in investment grade corporate bonds

Morningstar Fixed Income Style Box
Interest Rate Sensitivity:
Moderate
Credit Quality:
Medium
 
Thrivent Municipal Bond Fund
Fixed Income

Pursues income by investing in municipal bonds that are mostly federally tax-exempt

Morningstar Fixed Income Style Box
Interest Rate Sensitivity:
N/A
Credit Quality:
N/A
 
Thrivent Government Bond Fund
Fixed Income

Pursues income by investing primarily in higher quality government-backed bonds

Morningstar Fixed Income Style Box
Interest Rate Sensitivity:
Moderate
Credit Quality:
Medium
 
Thrivent Limited Maturity Bond Fund
Fixed Income

Pursues income consistent with reasonable stability of principal by investing in high quality short-term bonds

Morningstar Fixed Income Style Box
Interest Rate Sensitivity:
Limited
Credit Quality:
Low
 
Thrivent Money Market Fund*
Fixed Income

Seeks to maintain a stable $1 share price by investing in short term government bonds

Morningstar Fixed Income Style Box
Interest Rate Sensitivity:
N/A
Credit Quality:
N/A
 

* You could lose money by investing in the Thrivent Money Market Fund. Although the Thrivent Money Market Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Thrivent Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Thrivent Money Market Fund's sponsor has no legal obligation to provide financial support to the Thrivent Money Market Fund, and you should not expect that the sponsor will provide financial support to the Thrivent Money Market Fund at any time. These and other risks are described in the Prospectus.

Morningstar Fixed Income Style Box

The Morningstar Style BoxTM reveals a fund’s investment strategy. For fixed-income funds, the vertical axis of the Fixed Income Style Boxes shows the credit quality of the bonds owned (high, medium, or low) and the horizontal axis shows interest rate sensitivity (limited, moderate, or extensive) as measured by a bond’s effective duration.

 

 

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More about this quiz

This quiz can help you assess your investment risk tolerance which is one of many things to consider when investing. Risk tolerance can change over time. You should also consider things such as your overall portfolio, financial situation, investing experience, time horizon, and investment objectives.

More about investing styles

The potential for risk within the Thrivent Mutual Funds has been categorized into five levels: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, and Aggressive, ranging from lower risk potential to higher risk potential. Funds on the lower risk portion of the scale (Conservative, Moderately Conservative) are expected to have a lower degree of volatility and price fluctuations while those on the higher risk portion of the scale (Aggressive, Moderately Aggressive) are expected to have a higher degree of volatility and price fluctuations.

Conservative investing style

Conservative investors avoid financial risk whenever possible and focus on not losing money. They are willing to trade lower returns and slower growth for more stability in their overall investments. If money may be needed in the near term, investing conservatively may be a wise option.

Funds that align with conservative investing style

Moderately Conservative investing style

Moderately Conservative investors want to invest, but without taking large risks. Their main priority is to not lose their investment and they are okay with low and slow returns. They may need to withdraw money soon, so an investment profile that leans to the conservative side would be an option to consider.

Moderate investing style

A Moderate investor is in it for the medium to long term. The usual up and down fluctuations of the market is fine, as long as it nets a higher return. If the volatility lasts too long, a Moderate investor may start to consider withdrawing a portion or all of their investments.

Moderately Aggressive investing style

Moderately Aggressive investors want to be rewarded for the risks they take. They are not the most aggressive investor and probably don’t need access to their money for a while. A Moderately Aggressive investor has the mindset that if they hang in there, their investments will pay off in the end, but there may be some ups and downs along the way.

Aggressive investing style

An Aggressive investor has one goal: Maximize returns. Anything that is underperforming isn't a concern because they're optimistic and in it for the long term. Taking bigger risks is their game as time is on their side since they don't expect to withdraw their investments for a quite a while.

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