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Overview

We Believe Investing Should Be Easy

The E-Valuator Risk Managed Strategy (RMS) Funds make investing easy for Investors by providing 6 distinctly different investment options spanning the efficient frontier spectrum of risk management from Very Conservative to Aggressive Growth.  Investors simply need to identify their personal level of acceptable volatility (risk) exposure, then invest accordingly in the RMS Fund(s) matching their tolerance level.

We Believe In a Systematic Approach to Intelligent Investing

We manage The E-Valuator Risk Managed Strategy (RMS) Funds with a disciplined, pragmatic approach seeking to maximize performance within a stated range of volatility, as measured by standard deviation. Our Meticulous Asset Allocation Process (MAAP) provides the guidance in the form of a “road map” through the asset allocation and diversification process.

We Strive To Simplify the Process

The E-Valuator Risk Managed Strategy (RMS) Funds were created to simplify a comprehensive asset management process, without sacrificing performance. Accordingly, each of The E-Valuator RMS Funds contains a complete asset management program packaged into an open-end mutual fund.

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Quarterly Commentary

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The E-Valuator RMS Funds Are Not Typical Mutual Funds

The E-Valuator Software

The E-Valuator software systematically selects, monitors, and replaces (as needed) the underlying investments, i.e. ETF’s and open-end mutual funds.

M.A.A.P.

Meticulous Asset Allocation Process.  Establishes the “road map” for diversifying and allocating assets in a pragmatic, methodical manner.

Optimized for Return

Seeking to maximize performance at varying levels of risk along the efficient frontier while utilizing both Passive Management and Active Management.

Rebalancing

Underlying investments are rebalanced when their pro-rata balance of the Fund differs by +/-10% from their original allocation percentage.

Replacement

These fund-of-funds investments continually monitor, identify, and replace underlying investments whenever performance lags below the criteria set by the E-Valuator software.

Tax Harvesting

Proactively replace a lagging investment to potentially help reduce your taxable income.

NEWS & INSIGHTS
June 11, 2025Mapped: U.S. Manufacturing Jobs by State President Trump has championed the idea that a key part of making America great again is bringing back industries that left the country in recent decades. With his tariff-driven trade policy, the White House has promoted “Made in America” as a way to create jobs and boost the economy. Based on April 2025 data from the Bureau of Labor Statistics, this map highlights the U.S. states leading and lagging in manufacturing employment.   California Leads in Manufacturing Manufacturing remains geographically diverse across the U.S., with major hubs on both coasts and in the interior. In terms of absolute numbers, California leads the nation, with 1.22 million manufacturing jobs. Texas follows with 970,600 jobs, while Ohio and Michigan maintain their traditional industrial strength with 687,500 and 597,600 jobs, respectively.   State Manufacturing Jobs Jobs per 100k California 1,222.9K 3094.0 Texas 970.6K 3101.9 Ohio 687.5K 5785.4 Michigan 597.6K 5893.2 Illinois 574.7K 4521.6 Pennsylvania 561.5K 4293.2 Indiana 523.3K 7557.5 Wisconsin 462.8K 7763.8 North Carolina 459.3K 4158.1 Florida 434.6K 1859.5 Georgia 426.5K 3814.5 New York 412.0K 2073.8 Tennessee 364.3K 5040.3 Minnesota 323.5K 5584.2   Several Southern states have also built strong manufacturing bases. North Carolina (459,300), Georgia (426,500), and Tennessee (364,300) each rank among the top states, supported by industries such as automotive, aerospace, and food processing. Wisconsin, ranked in the top 10 for total manufacturing employment, stands out for outperforming its size. Although it’s only the 20th most populous state, its manufacturing base remains strong, thanks in part to food and dairy processing. In per capita terms, it’s number one in the nation with 7,763.8 manufacturing jobs for every 100,000 people. Florida, another top 10 state, has emerged as a growth story. Between 2019 and 2023, the state’s manufacturing employment grew by nearly 10%, highlighting the sector’s expansion in one of the country’s largest economies. At the other end of the spectrum, Wyoming (10,600 jobs), Alaska (11,900), and Washington, D.C. (1,200) recorded the lowest levels of manufacturing employment. The latter (D.C.) also has the lowest numbers per capita.   SOURCE: https://www.visualcapitalist.com/u-s-manufacturing-by-state-who-gains-most-from-made-in-america/         [...] Read more...
June 10, 2025Resilient labor market Stock indexes posted the week’s biggest daily gains on Friday after an employment report modestly exceeded expectations. The economy generated 139,000 new jobs in May, above consensus expectations of around 130,000. However, initial estimates for the previous two months’ gains were revised downward by a total of 95,000. The unemployment rate held steady at 4.2%.   Rate cut outlook Bond market trading that followed Friday’s jobs report continued to support expectations that the U.S. Federal Reserve is unlikely to cut interest rates at its meeting ending June 18 or at a subsequent late July session. Prices in interest rate futures markets implied that most investors were expecting two quarter-point rate cuts by year end, with the first cut not expected until September, according to CME Group’s FedWatch tool.   Small-cap gain .An index that tracks U.S. small-cap stocks outperformed its large-cap counterpart by a wide margin during the week, although small caps continued to lag larger stocks on a year-to-date basis. The small-cap index was up 3.2% for the week versus a 1.6% gain for its large-cap peer.   CPI ahead A Consumer Price Index report scheduled for release on Wednesday will show whether a recent trend of moderating inflation extended into May despite elevated tariffs and global trade tensions. Last month’s CPI report showed an annual rate of 2.3% in April, down from 2.4% the previous month. Excluding volatile energy and food prices, core inflation was unchanged at 2.8% in April relative to March.   Source: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
June 5, 2025It has seemingly been a one-way move higher in longer-term interest rates in May, with the 30-year U.S. Treasury yield above 5% again and higher by 0.36% this month alone. Additionally, the 10-year U.S. Treasury yield breached 4.5%, up 0.35% in May alone. The reasons for the sell-off are many: elevated inflation expectations, a Federal Reserve (Fed) on hold, foreign buyer boycotts, the recent Moody’s downgrade, and the potential for more debt and deficit spending (which are all likely exacerbated by an illiquid Treasury market). But it hasn’t been just a U.S. problem, long-term interest rates have surged globally, with a significant sell-off in April and May pushing, among others, U.K. Gilts, Japanese Government Bonds (JGBs), and German Bund yields to multi-year highs as well. The synchronized yield spike reflects fears of debt saturation, fiscal dominance, and trade war-induced inflation. Trump’s tariffs, particularly on China, have raised inflation expectations, potentially constraining central banks. A brief yield dip followed Trump’s 90-day tariff pause (excluding China) in April, but underwhelming government bond auctions persist. And with the recent global sell-off in duration, longer-term interest rates are higher in many non-U.S. markets, which may mean foreign investors (who make up 30% of U.S. Treasury ownership) may not be as willing to invest in U.S. Treasury securities. Non-U.S. investors, particularly from Europe and Japan, are increasingly disincentivized to own U.S. Treasuries on a currency-hedged basis due to rising home-market yields and high hedging costs. The yield differential between U.S. 10-year Treasuries (4.5%) and 10-year German Bunds (2.56%) or 10-year JGBs (1.50%) has narrowed as global yields have surged recently. For Eurozone investors, hedging via currency swaps involves costs tied to interest rate differentials, which reduce the effective Treasury yield below that of bunds or even U.K. Gilts. Japanese investors face similar challenges, with yen volatility and JGB yields at 1.5% making domestic bonds more competitive after hedging costs. 10-Year U.S. Treasury Yields Are Not Attractive to Foreign Investors Difference in 10-year foreign government yields vs. 10-year U.S. Treasury yield hedged to foreign currency Source: LPL Research, Bloomberg 05/23/25 Disclosures: Past performance is no guarantee of future results. All indexes are unmanaged and can’t be invested in directly. The Trump administration has repeatedly noted that they want borrowing costs (yields) lower to help refinance debt. But with the on-again, off-again tariffs and now the prospects of more deficit spending through the Republicans’ “big, beautiful bill,” rate cut expectations have fallen dramatically. The 10-year Treasury yield is highly correlated (98%) with the expected trough in the fed funds rate, so as rate cuts get priced out, Treasury yields have moved higher. Moreover, the 10-year Treasury term premium (the additional compensation required to own longer-maturity Treasury yields) has increased as well, suggesting longer-term rates are still too low to entice demand. The administration is looking at ways to decrease the regulatory burden on banks owning Treasury securities, which, if enacted, could help reduce longer-term yields. But unless/until the economic data shows a material weakening, particularly in the labor market, longer-term yields could remain elevated or even drift higher. And if the global bond market sell-off persists, an increasing share of Treasury ownership will have to come solely from U.S. investors. We remain neutral duration relative to benchmarks and think the best risk-reward in the Treasury market remains in the 2–5-year parts of the Treasury curve.   SOURCE: https://www.lpl.com/research/blog/where-have-all-the-duration-buyers-gone.html [...] Read more...
June 4, 2025Key Takeaways The two largest economies have a combined GDP that equals almost the entire rest of world’s. The U.S. and Chinese economies together amount to $50 trillion. The entire rest of the world—excluding Germany, Japan, and India—also has an economic output of $50 trillion. The U.S. and China are in the midst of their second trade war in seven years. Earlier this year President Trump announced an initial 34% “reciprocal” tariff rate on China, leading to a swift Chinese retaliation. For a brief period, both crossed into 100% territory (i.e., more than the entire cost of the goods itself). Experts cautioned that the resulting chaos could wipe off hundreds of billions from both economies and financial markets saw a swift downturn in response. Since then, tariff rates have come down: varying between 40–50% on Chinese goods entering the U.S. and 10–30% on U.S. products entering China. In this chart, we compare the combined GDP of the U.S. and China versus everyone else, using April 2025 data from the International Monetary Fund.   Ranked: Countries by GDP in 2025 The latest estimates for 2025 have America’s and China’s combined GDP at roughly $50 trillion. Of the two, the U.S. is much larger, at about $31 trillion, with China at $19 trillion. Rank Countries 2025 GDP (in billions) 1 🇺🇸 U.S. $30,507 2 🇨🇳 China $19,232 3 🇩🇪 Germany $4,745 4 🇮🇳 India $4,187 5 🇯🇵 Japan $4,186 6 🇬🇧 UK $3,839 7 🇫🇷 France $3,211 8 🇮🇹 Italy $2,423 9 🇨🇦 Canada $2,225 10 🇧🇷 Brazil $2,126 Note: Data missing for Afghanistan, Eritrea, Lebanon, Pakistan, Sri Lanka, Syria, and Palestine.   If we skip the next three economies—Germany, India, and Japan—then the entire rest of the world (184 countries), also has an economic output of around $50 trillion. Which means that despite the rise of regional trade, there is no escaping one of the two economic giants.   Groups 2025 GDP (in Millions) 🇺🇸 U.S. & 🇨🇳 China $49,739 🌐 184 Countries $50,381 🇩🇪 Germany, 🇮🇳 India, 🇯🇵 Japan $13,118 Note: Figures are rounded to the closest trillion in the visualization. China’s figures do not include Hong Kong or Macao.   The U.S. is the world’s largest importer of consumer goods, and China is the largest exporter. Most of the world picks one of these two as their largest trading partner. So even when countries might not enjoy the geopolitics of both countries, their economic might effectively makes them the loudest voice in the room.   SOURCE: https://www.visualcapitalist.com/u-s-and-chinas-combined-gdp-equals-184-countries/ [...] Read more...

Funds

Aggressive GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
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Fact Sheet
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Equity Allocation

85% – 99%70% – 85%50% – 70%30% – 50%15% – 30%0% – 15%

RMS Fund Objectives

PrimaryHigh GrowthGrowthGrowth & IncomeIncomeIncomeIncome
SecondaryIncomeIncomeGrowth & IncomeGrowthGrowthStability of Principal

Investor Suitability

Liquidation Target DateMore than 12 yrs.9 yrs. to 12 yrs.6 yrs. to 9 yrs.4 yrs. to 6 yrs.2 yrs. to 4 yrs.Less than 2 yrs.
Short-Term Loss ToleranceVery HighHighAcceptableModerateLowVery Low
Stock Market Risk ExposureSignificantAbove AverageAverageBelow AverageBelow AverageMinimal
Inflation Risk ExposureMinimalBelow AverageAverageAbove AverageAbove AverageSignificant

Std. Deviation Goal

3 yr. and/or 5 yr.9.5% – 13.5%8.0% – 11.0%5.5% – 8.5%4.0% – 6.5%2.5% – 5.0%1.0% – 3.5%

Ticker Symbols &
Summary Prospectuses

Service Share Class
EVAGX
EVGLX
EVMLX
EVTTX
EVCLX
EVVLX
R4 Share Class
EVFGX
EVGRX
EVFMX
EVFTX
EVFCX
EVVCX

RISK: There are risks involved with investing, including loss of principal. Current and future portfolio holdings are subject to risks as well. Diversification may not protect against market risk. There is no assurance the goals of the strategies discussed will be met. International investments may involve risk of capital loss from unfavorable fluctuation in currency values, from difference in generally accepted accounting in principles or from economic or political instability in other nations. Emerging markets involve heightened risks related to the same factors as well as increased volatility and lower trading volume. Bonds and bond funds will decrease in value as interest rates rise. These and other risks are described more fully in the fund’s prospectus. CREDIT RISK: The issuer of a fixed income security may not be able to make interest and principal payments when due. The lower the credit rating of a security, the greater the risk of default on its obligation.

Investors should consider the investment objectives, risks, charges and expenses of the Fund carefully before investing. This and other information is contained in the Fund’s prospectus and summary prospectus, which may be obtained online or by calling 1-888-507-2798.

Please read the prospectus carefully before investing.

FOR THE INVESTOR, IT’S SIMPLE.

In essence, The E-Valuator Risk Managed Strategy Funds provide a cost-effective asset allocation service for its shareholders.

Kevin R. Miller
CEO Systelligence & Portfolio Manager
The E-Valuator Risk Managed Strategy Funds