Investments and Annuities

Investments and Annuities

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Helping investors balance

purpose and performance

At Thrivent we believe money is a tool—not a goal. We help you balance purpose and performance by investing in what matters most to you. Whether you’re growing your family, business or retirement plan, we’re here to support you along the way.

Actively managed by real people, for real people

We’re hands-on and all-in, with portfolio managers who keep target objectives, trends and what matters most to you in mind.


Our investment philosophy puts performance center-stage, understanding the actions to take next and what that means for you.

Flexibility, choice and freedom

Build a diversified* portfolio and invest with confidence. We provide choices and guidance that support your objectives.


What is an annuity?

If you’re planning for retirement, annuities may complement your existing 401(k) or investment strategy. Annuities combine insurance and savings into one (really useful) financial product. They can guarantee income in retirement for as long as you live.

  • Value can grow at a competitive guaranteed interest rate.
  • Benefit from the advantage of tax-deferred earnings on your annuity.**
  • Get income payments that last as long as you live when you choose lifetime coverage.

* 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.

Investing involves risks, including the possible loss of principal. The product and summary prospectuses for applicable securities (including mutual funds held in an account) and the Thrivent Investment Management Inc. Managed Accounts Program Brochure, contain information on investment objectives, risks, charges, and expenses, which investors should read carefully and consider before investing. Available at

Refer to the Thrivent Investment Management Inc. Form CRS Relationship Summary for more information about us; our relationships and services; fees, costs, conflicts, and standard of conduct; disciplinary history; and additional information. Refer to the Thrivent Investment Management Inc. Regulation Best Interest Disclosure document for information on fees, products, services, potential conflicts of interest, and additional information. Both are available upon request from your financial advisor or professional and on

Thrivent Distributors, LLC, member FINRA/SIPC, is the distributor for Thrivent Mutual Funds and Thrivent Interval Funds. ALPS Distributors, Inc., member FINRA, is the distributor for Thrivent ETFs. Thrivent Asset Management, LLC serves as the SEC-registered investment adviser. Thrivent Distributors, LLC and Thrivent Asset Management, LLC are subsidiaries of Thrivent. ALPS Distributors, Inc. is not affiliated with Thrivent or any of its subsidiaries.

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

Investing in a variable annuity involves risk, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the variable annuity contract and underlying investment options, which investors should read and consider carefully before investing. Prospectuses are also available from your Thrivent financial professional.

Annuities are intended to be long term, particularly for retirement. Guarantees are based on the financial strength and claims-paying ability of Thrivent.

Product availability and features may vary by state.

Holding an annuity inside a tax-qualified plan does not provide any additional tax benefits.

Withdrawals and surrenders will decrease the value of your annuity and, subsequently, the income you receive. Any withdrawals in excess of 10% may be subject to a surrender charge. The taxable portion of each annuity distribution is subject to income taxation. If a taxpayer is younger than 59½ at the time of distribution, a 10% federal tax penalty will apply to the taxable portion of the distribution unless a penalty-tax exception applies.

Last updated 09/27/2023.

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