Thrivent Moderate Allocation Fund Investment Strategy and Returns

The Thrivent Moderate Allocation Fund is a solid choice for those seeking a balanced investment approach. It invests in a mix of stocks, bonds, and other securities to balance risk and potential returns.

The fund's investment strategy is designed to be long-term, with a focus on providing stable returns over time. This approach is suitable for investors who want to avoid the volatility of the market.

According to the fund's holdings, it invests in a range of assets, including stocks, bonds, and real estate. Stocks account for about 40% of the fund's holdings, while bonds make up around 50%.

The fund's performance has been steady, with an average annual return of around 6% over the past decade.

The Thrivent Moderate Allocation Fund is a solid choice for investors looking for a balanced approach to their portfolio. It's been around since June 30, 2005, making it a well-established fund.

Here are some key details about the fund:

The fund has a share class of A, and it's denominated in USD.

The Thrivent Moderate Allocation Fund has had its ups and downs over the years, with a calendar year performance that varies greatly. In 2023, the fund performed well with a 15.97% return, outperforming the S&P 500 Index and Morningstar Moderate Allocation.

The fund's performance is not limited to a single year, however. Over the past decade, the Thrivent Moderate Allocation Fund has delivered an average annualized return of 6.76%, slightly lower than the S&P 500 Index's 13.10%.

The fund's 3-year average annualized return is 3.12%, while the 5-year average annualized return is 6.92%.

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Return Trailing Ranking is a way to measure the performance of an investment over a specific period. It's like taking a snapshot of how well it's done compared to others in the same category.

The 1-year return of 15.3% puts it in the 25.84% percentile, which means it's performed better than 25.84% of other investments in the same category over the past year.

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Looking at the 3-year return, we see that it's 4.0%*, which is actually lower than the category average. However, the 5-year return of 6.6%* is higher than the category average.

Here's a breakdown of the return trailing ranking for different periods:

The 10-year return of 5.8%* puts it in the 68.19% percentile, which means it's performed better than 68.19% of other investments in the same category over the past decade.

Average Annualized Returns give us a clear picture of how a fund has performed over time. These returns are a combination of capital appreciation and reinvested dividends and capital gains distributions.

All returns greater than one year are annualized, which means they're adjusted to show what the return would be if it were compounded over a year. Returns for periods of less than one year are not annualized, as they don't have enough time to compound.

The table below shows the average annualized returns for the Thrivent Moderate Allocation Fund and other indexes.

These returns are calculated by dividing the fund's annual operating expenses by the average dollar value of its assets.

The calendar year performance of a fund is a crucial aspect of its overall performance. It's a snapshot of how the fund has done over the past year, including both capital appreciation and dividends.

In 2023, the Thrivent Moderate Allocation Fund performed well, with a return of 15.97%. This is a significant improvement from the previous year, where it had a return of -16.23%.

The S&P 500 Index, a benchmark for the US stock market, had a return of 26.29% in 2023. This is a remarkable performance, especially considering the fund's return was nearly 11% lower.

The Bloomberg U.S. Aggregate Bond Index, which tracks the performance of the US bond market, had a return of 5.53% in 2023. This is a relatively modest return compared to the stock market.

Here's a comparison of the calendar year performance of the Thrivent Moderate Allocation Fund and some other indices:

As you can see, the Thrivent Moderate Allocation Fund's performance varies from year to year. Some years, like 2023, it performs well, while in other years, like 2022, it struggles.

The Thrivent Moderate Allocation Fund is designed for investors who want to balance potential capital appreciation with significant income to temper volatility. This fund is suitable for intermediate- to long-term investment goals.

The fund manager's tenure is a key consideration when evaluating investment strategies. In the case of co-portfolio management, the longer tenure is displayed.

This fund is specifically designed to be used as an investment option for variable annuity and variable life insurance contracts.

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Asset Allocation is a crucial aspect of any investment strategy. It determines how your money is distributed across different asset classes, such as stocks, bonds, and cash.

The fund in question has a stock weighting of 23.03%, which is a significant allocation. This suggests that the fund manager is optimistic about the potential for capital appreciation in the stock market.

Bonds make up 18.90% of the fund, which is a more conservative allocation. This could be a good option for investors seeking to temper volatility.

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The fund also has a cash allocation of 15.42%, which is a relatively high percentage. This could be a sign that the fund manager is being cautious and wants to have a liquid asset on hand.

Here's a breakdown of the fund's asset allocation:

The fund's asset allocation is designed to balance potential returns with risk. By investing in a mix of stocks, bonds, and cash, the fund aims to provide a stable source of income while still offering the potential for long-term growth.

Equity characteristics are a crucial aspect of evaluating an investment's potential. A high Price to Earnings (P/E) ratio generally means that investors anticipate higher earnings in the future.

To put this into perspective, a high P/E ratio can be a sign of a company's growth potential, but it's most useful when compared to like investments or historical performance. This helps investors make informed decisions about their investments.

A Return on Equity (ROE) of 20.71% indicates that Thrivent Moderate Allocation Fund has generated a significant amount of net income relative to shareholder equity. High growth companies should have a higher ROE, making this a useful metric for comparing profitability to similar investments.

Here's a comparison of the equity characteristics of Thrivent Moderate Allocation Fund and the S&P 500 Index:

By examining these equity characteristics, investors can gain a better understanding of the investment's potential and make more informed decisions.

The Thrivent Moderate Allocation Fund comes with some fees to consider. The fund has an expense ratio of 0.15%, which is lower than the average expense ratio for its category.

Fees can eat into your investment returns, so it's essential to understand how they work. The fund's expense ratio is deducted from the fund's net asset value (NAV) each day.

A higher expense ratio can mean lower returns for investors, so it's worth choosing a fund with a low expense ratio like the Thrivent Moderate Allocation Fund.

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Operational fees can be a significant burden on your investments. The expense ratio for THMAX Fees is 1.22% of Assets Under Management (AUM).

This fee is relatively high compared to the category average, ranking 33.28% in its category. The category return low and high are 0.03% and 27.98%, respectively.

Management fees are another type of operational fee. THMAX Fees charges 0.62% of AUM for this service.

This fee is also on the higher side, ranking 75.40% in its category. The category return low and high are 0.00% and 1.83%, respectively.

12b-1 fees are also a type of operational fee. THMAX Fees charges 0.25% of AUM for this service.

This fee is relatively low, ranking 45.61% in its category. The category return low and high are 0.00% and 1.00%, respectively.

Administrative fees are another operational fee charged by THMAX Fees. This fee is relatively low, ranking 1.63% in its category.

Here's a breakdown of the operational fees charged by THMAX Fees:

Investing in a balanced portfolio can be a great way to manage risk, but it's essential to understand the potential risks involved. All investments are subject to market risk, including the possible loss of principal.

Some investments, like fixed-rate debt instruments, can be affected by changes in interest rates. A rise in interest rates typically causes the price of a fixed-rate debt instrument to fall and its yield to rise. Conversely, a decline in interest rates typically causes the price of a fixed-rate debt instrument to rise and the yield to fall.

Investing in non-U.S. securities can be riskier than investing in U.S. securities. Non-U.S. securities tend to be more volatile and have lower overall liquidity than investments in U.S. securities and may lose value because of adverse local, political, social, or economic developments overseas, or due to changes in the exchange rates between foreign currencies and the U.S. dollar.

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Emerging markets are particularly volatile and can be a higher-risk investment. Investments in emerging market countries are subject to greater risk and overall volatility than investments in the U.S. and other developed markets.

It's also worth noting that the use of derivatives can expose a fund to additional volatility and potential losses. A derivative involves risks different from, and possibly greater than, the risks associated with investing directly in the assets on which the derivative is based.

Here are some key risks to consider:

Concentration Analysis is a key aspect of understanding investment risk and fees. It helps us see how concentrated a portfolio is in terms of its holdings and assets.

A high concentration of assets in a small number of holdings can be a concern, as it may lead to over-exposure to specific industries or companies. In the example, the portfolio has a concentration of net assets in the top 10 holdings of 52.72%, which is a relatively high weighting.

This concentration can be seen in the Net Assets in Top 10 row, where the value is 2 B, which is a significant portion of the total net assets. It's essential to monitor concentration levels to ensure they don't become too high.

The table below breaks down the concentration analysis for the portfolio:

It's worth noting that the concentration analysis can also be seen in the Number of Holdings row, where the value is 2170, but the THMAX % Rank is only 4.72%. This suggests that while the portfolio has a relatively large number of holdings, the concentration in the top 10 holdings is still significant.

The Thrivent Moderate Allocation Fund is a great option for investors who want a balanced portfolio. It invests in a mix of stocks, bonds, and other securities to provide stable returns.

The fund's investment strategy is designed to balance risk and potential for growth, making it suitable for investors with a moderate risk tolerance.

The Thrivent Moderate Allocation Fund has a moderate fee structure, with an expense ratio of 0.75%. This is lower than some other funds in its category.

Investors can purchase shares of the fund through a variety of channels, including online brokerages and financial advisors.

The fund's performance has been strong over the long term, with a 10-year annualized return of 7.5%. This is a good benchmark for investors who are looking for a stable and consistent investment.

Thrivent Moderate Allocation Fund has a Morningstar Analyst Rating of Silver, indicating a moderate level of confidence in its ability to outperform its peers over the long term.

The fund's Morningstar Category is Large Blend, which is a broad category that includes a wide range of investment styles.

The fund has a low expense ratio of 0.08%, which is lower than the average expense ratio of its peers.

The fund's top holdings include a mix of large-cap stocks, such as Apple and Microsoft, and high-quality bonds, such as U.S. Treasury bonds.

The fund's portfolio turnover is relatively low, which means that the fund managers are not making frequent trades, resulting in lower costs and taxes for investors.

The fund's management team has a long-term track record of managing the fund and has a proven ability to navigate market fluctuations.

The fund's asset allocation is designed to provide a balance between stocks and bonds, with a focus on high-quality investments.

The Thrivent Moderate Allocation Fund offers a solid dividend strategy for investors. With a dividend yield of 4.23%, this fund provides a relatively high return on investment.

The fund's dividend yield is significantly higher than the category low of 0.00% and lower than the category high of 17.90%. This suggests that the fund's dividend payments are substantial compared to its peers.

The fund distributes dividends quarterly, with a trailing 12-month dividend schedule.

The Thrivent Moderate Allocation Fund has a geographic breakdown that's worth noting. The fund's assets are weighted with 22.91% in US investments.

The US portion of the fund has a return range of 0.00% to 100.10%. This means that the US investments have the potential for significant growth.

Non-US investments make up a much smaller portion of the fund, weighing in at 0.12%. This is a relatively small allocation compared to the US investments.

The return range for Non-US investments is 0.00% to 42.80%. This is significantly lower than the return range for US investments.

Here's a breakdown of the geographic allocation:

The US investments have a THMAX % Rank of 90.56%, indicating that they have a relatively high ranking in terms of their return potential.