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Investments > Investment Education Center > What is a Mutual Fund?
What is a Mutual Fund?

When you buy a share of company stock, you’re buying one share of ownership in a corporation. Likewise, when you buy a bond, you’re loaning money to a corporation or the government. When you buy a share in a mutual fund, you’re buying one share of ownership in a fund that is made up of many shares of many companies or one that has loaned money to many different corporations or governments.

The value of a fund share is stated in terms of its net asset value, which is the value of all the stocks, bonds and other securities in the fund’s investment portfolio less the fund’s operating expenses, divided by the number of fund shares available. That net asset value will fluctuate depending on how the securities in the fund’s portfolio perform.

For individual investors, mutual funds are generally a preferable investment to individual stocks and bonds because they:

Reduce volatility. By spreading or diversifying your investment dollars among a number of stocks and bonds, you may reduce volatility in your portfolio.
Offer lots of choices. We offer 29 different funds, ensuring you a wide variety of options.
Boast professional management. Thrivent Mutual Funds are managed by solo managers or management teams, all of whom are highly trained, educated and have solid experience selecting stocks and bonds and managing fund portfolios.

To invest in a mutual fund or learn more about how Thrivent Investment Management can help you achieve your financial goals, contact a Thrivent Financial representative today.

Investing in a mutual fund involves risks, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the fund which investors should read and consider carefully before investing.

Investing in a mutual fund involves risks, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the fund which investors should read and consider carefully before investing. To obtain a prospectus contact a registered representative or visit www.thrivent.com.

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Thrivent Financial for Lutherans, Appleton, WI 54919-0001, is authorized to conduct business in all 50 states and the District of Columbia. NAIC # 2938-56014. Products issued by Thrivent Financial for Lutherans are available to applicants who meet membership, insurability, U.S. citizenship and residency requirements. Not all products described are available in all states. Thrivent Financial representatives are licensed insurance agents. Insurance and retirement products, where available, are individual contracts, (not group coverage), and issued by Thrivent Financial for Lutherans. Investment products are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415-1665, a wholly owned subsidiary of Thrivent Financial for Lutherans. Member FINRA. Member SIPC. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc.
Bank products and trust services are offered through Thrivent Financial Bank, 2000 E. Milestone Dr., Appleton, WI 54919-0006 (Member FDIC, Equal Housing Lender), a wholly owned subsidiary of Thrivent Financial for Lutherans. Insurance, investment products, securities, trust, and investment management services and accounts are not deposits, are not FDIC insured, are not insured by any federal government agency, and are not guaranteed by Thrivent Financial Bank. Variable insurance contracts, investment products, trust, and investment management accounts may go down in value.

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This document was last updated on Thursday, February 28, 2008 at 9:35 PM