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.

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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.

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Gene Walden
Senior Finance Editor


How much are you missing out on every day you dont invest?



"A study of economics usually reveals that the best time to buy anything is last year."

- Marty Allen

By Gene Walden, Senior Finance Editor | 07/20/2021

With so many needs that command your attention every day, you may find yourself putting off tackling your long-term investment plan. But there is a compelling reason to start investing as soon as you can – the power of time.

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.

Value of a head start

Since financial markets fluctuate constantly, no matter when you begin funding your investment plan you can expect to see the value of your mutual funds rise and fall on an ongoing basis. But over time, the historical long-term trend of investments has been positive. In the stock market, for example, the S&P 500 has posted an average annual return over the past century and the past 50 years of about 11%. Your returns could vary year-to-year, as past results are no guarantee of future returns.

There’s no clear advantage to putting off investing for the “perfect” moment to enter the market. But, there is a very powerful reason for starting right now – an early start could enable you to build a bigger portfolio at a fraction of the cost.

The chart shows the dramatic difference that early investing can make. If you began investing $100 a month right now and continued doing so for the next 10 years—and then never invested again—you could still earn more over the next 50 years than if you had waited 10 years to start, and then invested $100 a month for 40 years. Here’s the math:

The value of a head start: Investing $100 per month

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


If You Invest Now:
Total Investment

Account Value at End of Period

If You Start in 10 Years:
Total Investment

Account Value at End of Period

Years 0-10 $12,000 $17,409 $0 $0
Years 11-20 $0 $34,987 $12,000 $17,409
Years 21-30 $0 $70,312 $12,000 $52,396
Years 31-40 $0


$12,000 $122,707
Years 41-50 $0 $283,973 $12,000 $264,012  
TOTAL $12,000 $283,973 $48,000 $264,012

This is a simplified, hypothetical example and does not consider any unique circumstances such as fees, withdrawals, or varying positive and negative performance potential among years.

A monthly investment of $100 over the next 10 years—a total of $12,000—would grow to $283,973 after 50 years, assuming an average annual return of 7%, net of fees. By contrast, waiting 10 years and then investing $100 a month for the next 40 years—$48,000 in all—would grow to just $264,012. In this example, that would be an extra $19,961 for the investor who started early.

In the real world, investment performance varies from year to year.  Also, in the real world, taxes could factor into the final results. It’s important to remember that investing involves risks, including the possible loss of principal. All of your investment decisions should be made based on your specific financial needs, objectives, goals, time horizon and risk tolerance, which may change over time.

While the example shows the value of investing early, your potential to build wealth is even greater if you start early and continue investing throughout your earning years.

It’s never too late to start investing, but starting sooner may make reaching your financial goals considerably easier – and cheaper.

To quote an old Chinese proverb, “The best time to plant a tree was 20 years ago. The second best time is now.”

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Why are dividends and capital gains in mutual funds important?

Why are dividends and capital gains in mutual funds important?

Why are dividends and capital gains in mutual funds important?

A portion of the gains achieved by mutual fund investors come from recurring distributions. These provide current income to an investor and are made up of dividends and capital gains.

A portion of the gains achieved by mutual fund investors come from recurring distributions. These provide current income to an investor and are made up of dividends and capital gains.