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.

Mark Simenstad
Chief Investment Strategist


Where is the “shock and awe” as market surges?

By Mark Simenstad, Chief Investment Strategist | 08/27/2020

The stock market surge from its March 23rd low is arguably more stunning than its collapse from the February market peak.  It has been the largest market rally in such a short period of time on record.

The S&P 500® index is up approximately 56% since March 23 while the mega-tech heavy index, NASDAQ 100, is up approximately 70%.  Apple, the largest company in the world by market value, is up an astounding 125% over that same time frame!

This has happened during a period when economic statistics, such as employment, gross domestic product (GDP), and industrial production swiftly fell to levels that have historically been consistent with severe recessions.

In addition, the significant uncertainty of the coronavirus persists along with the greatest social unrest since possibly the 1960’s and an imminent U.S. presidential election. However, unlike the March collapse, this market recovery has not been accompanied by banner newspaper headlines or surging inquiry from anxious investors asking what is going on?

What IS going on?

The simple answer is massive injections of support globally from central bankers, who flooded the financial system with money, and from federal and state government policy makers who implemented vast transfer payments and other support mechanisms to maintain “paychecks” for consumers and cheap loans and grants for businesses.

These moves in total dwarf the level of support that government entities provided during the great financial crisis of 2008. This tsunami of a liquidity wave drove interest rates down to record levels, which in turn made equities look compelling as an investment alternative.

The global coronavirus lockdown also magnified and accelerated business trends that have been rising for years, such as technology companies remaking the economic landscape. These mega-tech behemoths posted stunning profits and cash flow during the economic collapse of the 2nd quarter.  This narrow group of industries and companies became the driving force behind the surge in the overall market indices.

What now?

From an economic perspective, the Federal Reserve (Fed) remains a critical element going forward.  The Fed today announced the results of a recent review of its goals, policies and tools. The conclusions are effectively “more of the same,” however with some updating of their goals and policies.

The bottom line is that this Fed policy review supports the market’s perception that short term interest rates will remain exceptionally low for a long time, and the Fed will remain vigilant to support markets when needed.

A bigger question that investors are beginning to scrutinize will be policy changes, and especially tax policy changes, after the November election.

Currently it is too speculative to have any clear outlook on this, since it is contingent not just on who wins the presidential election, but also on what happens in the U.S. Senate and the House of Representatives. But if tax rates on individuals, corporations or capital gains are increased, the markets may give back some of the gains that have been posted this year.

What to do?

For an investor who either felt great stress during the last market collapse, or for those whose financial or life circumstances have changed, such that a lower risk exposure to the market is warranted, now is a good time to go through some “de-risking” by reducing equity exposure.

However, investors should always keep in mind the long-term implications of such a move, given that over long periods of time, equity markets have provided returns that are substantially better than cash or high-quality bonds.

In assessing an investment portfolio after such a strong move, portfolio management 101 prescribes looking at where a portfolio is relative to its long-term allocation strategy and making rebalancing moves.

Typical “big picture” rebalancing efforts historically would result in reducing equity allocations back to strategy while increasing fixed income allocations. However, in this environment, where long term interest rates are at extraordinarily low levels, it may be prudent to rebalance to a much shorter-term fixed income alternative rather than to longer-term fixed income instruments.

Cash may be an alternative, as well, but with money market funds currently providing 0%, they may not be an optimal option.

Although long-term, high-quality bonds such as U.S. Treasuries have little appeal, certain segments of the fixed income market offer better relative values, including short to intermediate maturity corporate bonds, mortgage-backed securities and select higher risk markets such as preferred stocks – and possibly municipal bond funds, depending on your tax bracket.

The International Equities Market

The stunning equity rally we have seen has been extremely focused on domestic large cap growth stocks, while international markets have lagged. Now may be a good time to increase allocation to international assets with a modest overweight to emerging market equities.

Foreign economies, and especially Asian economies, are currently less impacted by the pandemic since they went through it much earlier. Also, the dollar has finally begun to trade weaker in the foreign currency markets.

In the U.S. market, the fundamentals continue to support growth businesses and especially large cap growth. Value market sectors such as financials and energy remain challenged by not only the pandemic environment, but by big secular shifts affecting these industries as well.

Small cap stocks are starting to show some “green shoots” of encouraging performance relative to large cap. Valuation of small cap stocks relative to large cap seems compelling, but it will take more evidence from earnings to validate a more significant move into small cap stocks. Thus, it may be appropriate to add some small cap exposure currently as part of a re-balancing, with an eye to more materially increasing an allocation to this sector as confidence in the economy and in small cap earnings improves.

Stay safe and stay engaged and committed to a well-thought-out long-term approach to your portfolio.

All information and representations herein are as of 08/27/2020, unless otherwise noted.

The views expressed are as of the date given, may change as market or other conditions change, and may differ from views expressed by other Thrivent Asset Management, LLC associates. Actual investment decisions made by Thrivent Asset Management, LLC will not necessarily reflect the views expressed. This information should not be considered investment advice or a recommendation of any particular security, strategy or product. Investment decisions should always be made based on an investor's specific financial needs, objectives, goals, time horizon, and risk tolerance.

This article refers to specific securities which Thrivent Mutual Funds may own. A complete listing of the holdings for each of the Thrivent Mutual Funds is available on

Any indexes shown are unmanaged and do not reflect the typical costs of investing. Investors cannot invest directly in an index.

Past performance is not necessarily indicative of future results.

Related Reading