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Insights

I've got valuable information and resources to share. Explore away! And check back often.

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September 2025 Market Update: Expectations for lower rates return

Expectations for lower rates return

August economic data helped increase market expectations for lower rates to come.

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You can keep giving long after you’re gone. Learn more about how you can leave a legacy by gifting life insurance ➡️ https://bit.ly/3Yl1I3o

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You can keep giving long after you’re gone. Learn more about how you can leave a legacy by gifting life insurance ➡️ https://bit.ly/3Yl1I3o

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Do I need a financial services professional?

It’s a common dilemma for investors, whether they’re just starting out or have owned mutual funds for a long time: Do I need a financial professional, or am I OK doing it myself?

Three questions to help you determine if a financial services professional would be a good fit.

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What is a stock?

A stock is a type of security that represents a share (piece) of ownership in a company. Stocks are also known as equities. A company generally issues stock to raise capital (money) for running and growing the business or paying off debt.

From large companies to foreign investments, investors can diversify a portfolio with many kinds of stocks.

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What is a bond?

A bond is simply a loan from an investor to a corporation or a government entity. It has a defined maturity date, the investor will collect interest payments and if money is kept in the bond through the maturity date, the investor will get the full investment back, provided the issuer meets their debt obligations.

Bonds are used by corporations and governments for raising money to fund ventures and projects.

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Americans’ retirement savings have never been more stock-heavy: workers in their late 30s now keep about 88% of their 401(k)s in equities, up from 82% a decade ago, while those in their early 60s hold 60%. Even target-date funds, designed to shift toward bonds over time, have raised equity exposure—the typical target-date fund for workers at the start of their career had 92% of its assets invested in stocks. (Source: The Wall Street Journal)

Americans’ retirement savings have never been more stock-heavy: workers in their late 30s now keep about 88% of their 401(k)s in equities, up from 82% a decade ago, while those in their early 60s hold 60%. Even target-date funds, designed to shift toward bonds over time, have raised equity exposure—the typical target-date fund for workers at the start of their career had 92% of its assets invested in stocks. (Source: The Wall Street Journal)

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Life insurance can be more than protection—it can help you build wealth for your family. 💡 Together, we can review how much coverage you need and the type of policy that may be right for you.​ For more information on how life insurance can help create generational wealth for your family’s future: https://bit.ly/420Ehy1

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Life insurance can be more than protection—it can help you build wealth for your family. 💡 Together, we can review how much coverage you need and the type of policy that may be right for you.​ For more information on how life insurance can help create generational wealth for your family’s future: https://bit.ly/420Ehy1

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How to build a better emergency fund

Over time, having an adequate emergency fund can give you peace of mind and a fallback plan in case of a job loss or market downturn. Once you’ve built up a generous reserve, keeping the money in the right place can help you maintain its value.

An emergency savings fund is key for the “what if” situation. Learn how to save and build a financial safety net.

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Back to School Basics: Investing

Back to School Basics: Investing What age can I start investing? See thrivent.com/social for important disclosures.

What age can I start investing? And how can I do it? William Kruglyak has the answers with Ian Tam....

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Why timing the market doesn’t work

When the stock market starts to fluctuate, do you get the urge to move your funds in the hopes of boosting your returns? Resist that urge. Because while attempting to time the market may boost your returns initially, it could also hurt you financially in the long run.

When the stock market starts to fluctuate, it’s very tempting to move funds in hopes of boosting returns. Learn why market timing is nearly impossible.

Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Not available in all states. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Licensed agent/producer of Thrivent. Registered representative of Thrivent Investment Management, Inc. thrivent.com/privacy-and-security/disclosures.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit Thrivent.com or FINRA’s Broker Check for more information about our financial advisors.

Designations

For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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