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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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Performance Report
 
Quarterly Commentary

As Seen In

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
November 20, 2024                                              Ranked: U.S. States vs. G7 Countries by GDP per Capita This graphic charts the GDP per capita of G7 countries against select U.S. states. Why compare states vs G7? By going down to the state level we account for differences in population and aggregate demand which can mask output inequalities between the U.S. and its peer economies. Data for this graphic is sourced from the International Monetary Fund (IMF), Bureau of Economic Analysis, and the Census Bureau, as of 2023. The American Economic Dream is Only Gathering Steam The United States is outpacing the rest of the G7 in terms of productivity. And this is true at a state level as well. Mississippi, the state with the lowest GDP per capita, is still wealthier than four G7 countries. Rank U.S. State / G7 Member GDP per Capita 1 🇺🇸 Washington D.C (Richest State*) $259,954 2 🇺🇸 New York (Second-Richest State) $110,980 3 🇺🇸 Massachusetts (Third-Richest State) $105,164 4 🇺🇸 U.S. Average $81,600 5 🇺🇸 Arkansas (Third-poorest State) $58,220 6 🇺🇸 West Virginia (Second-poorest State) $57,710 7 🇨🇦 Canada $54,900 8 🇩🇪 Germany $52,730 9 🇺🇸 Mississippi (Poorest State) $51,420 10 🇬🇧 UK $49,100 11 🇫🇷 France $46,000 12 🇮🇹 Italy $38,330 13 🇯🇵 Japan $33,810                                 Note: *U.S. territory in this case Meanwhile, West Virginia, with the second-lowest per capita GDP, surpasses all six of the other G7 nations. These massive gaps in output could be surprising for those not paying attention. The U.S. economy has surged since the pandemic, with its GDP per capita increasing by $20,000 between 2020 and 2024—a growth none of the other G7 countries have matched, even when going all the way back to 2010. Of course these last four years have also seen record inflation, and a strengthening U.S. dollar, affecting these numbers. G7 Country GDP per Capita in 2010 GDP per Capita in 2024 % Change 🇺🇸 U.S. $48,590 $86,600 +78% 🇨🇦 Canada $47,630 $53,830 +13% 🇯🇵 Japan $45,140 $32,860 -27% 🇩🇪 Germany $43,230 $55,520 +28% 🇫🇷 France $42,200 $48,010 +14% 🇬🇧 UK $39,640 $52,420 +32% 🇮🇹 Italy $35,960 $49,290 +37%                   Nevertheless, there’s no denying America is staying ahead of its rivals. And there’s a lot of factors to its success story in the last two decades, as this article from The Economist covers well. A combination of the shale oil revolution in the 2000s, tech sector boom in the 2010s, and pandemic stimulus in 2020 have kept growth steady, even while Europe, Canada, and Japan have struggled. Adding to this: a vast consumer and capital market, integrated labor pool, and hegemony on the world’s best universities is keeping the flywheel of growth spinning. SOURCE: https://www.visualcapitalist.com/ranked-u-s-states-vs-g7-countries-by-gdp-per-capita/#google_vignette [...] Read more...
November 19, 2024Rising yields Yields of U.S. government bonds extended their recent climb, with the yield of the 10-year Treasury closing around 4.44% on Friday after briefly eclipsing the 4.50% level for the first time in more than five months. As recently as mid-September, the yield had been as low as 3.62%.   Inflation’s persistence A monthly Consumer Price Index reading came in slightly above the previous month’s figure, with October’s annual rate of 2.6% topping September’s 2.4% result. While the latest reading was in line with economists’ expectations, it was a further indication of recently uneven progress in bringing inflation closer to the U.S. Federal Reserve’s 2.0% long-term target.   Retail resilience .A report released on Friday showed that U.S. retail sales topped expectations by rising 0.4% in October relative to the previous month; in addition, September’s initial reading was revised sharply upward with the availability of further data. Another encouraging sign came on Thursday, when new claims for unemployment benefits fell to the lowest level in six months.   Earnings scorecard Major retail companies reported results as quarterly earnings season neared an end. As of Friday, analysts were expecting S&P 500 companies overall to post a 5.4% third-quarter earnings increase compared with the same quarter a year earlier, according to FactSet. That figure was up from the 4.2% growth rate that analysts had expected entering earnings season on September 30.   Source: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
November 14, 2024Markets Gain Clarity as the Election Dust Settles Jeff Buchbinder | Chief Equity Strategist Last Updated: November 07, 2024 Additional content provided by John Lohse, CFA, Senior Analyst, Research The 2024 U.S. presidential election has now concluded with Donald Trump emerging victorious over Democratic candidate Kamala Harris. As the dust settles on this hotly contested race, financial markets are responding to the outcome and its potential implications for the economy and various sectors. Let’s examine the top five takeaways from yesterday’s news in no particular order. Currencies The U.S. dollar (USD) saw its best day since 2022, gaining post-election momentum as growth and inflation expectations rose. A surge in U.S. Treasury yields increased the attractiveness of the USD versus major global currencies. The initial reaction of renewed inflation concerns, followed by a pickup in interest rates and dollar strengthening are highly dependent on policy implementation. We expect further currency volatility as markets continue to digest global economic factors related to the incoming administration, balanced against global central bank easing. For those seeking to manage divergent macro trends, alternative strategies, particularly multi-strategy investments, could be a potential option. The chart below highlights the magnitude of the gain in the U.S. Dollar Index relative to the past 12 months. U.S. Dollar Index Gains Source: LPL Research, Bloomberg 11/06/24 Disclosures: All indexes are unmanaged and cannot be invested in directly. Past performance is no guarantee of future results. U.S. Equities Stocks hit all-time highs amid optimism from equity investors. The Dow Jones Industrial Average rose the most among the three major indexes. The price-weighted index saw over 5% and 13% returns from its top two weighted constituents. Small cap stocks enjoyed their biggest one-day gain of the year, with the Russell 2000 Index finishing higher by over 5.8%, nearly doubling the index’s 3.1% gain after Trump won in 2016. Small caps are seen as beneficiaries of Trump’s protectionist policies, which largely insulate domestic-focused companies from tariffs and trade strife. Overall, domestic stocks benefited from sentiment that the president elect will usher in pro-growth policies of deregulation and lower corporate tax rates. LPL Research maintains its tactical overweight positioning to U.S. equities versus non-U.S. as the domestic growth and policy landscape appears more attractive. International Equities Non-U.S. equities took the brunt of the “Trump Trade” selling as the MSCI EAFE and Emerging Markets indexes fell by 1.3% and 0.6%, respectively. No surprise here; the prospect for increased tariffs drove foreign stocks lower. In a bid to make domestic producers more competitive, the market initially soured on non-U.S. stocks. The depth and viability of tariff policy remains to be seen, however. Will campaign rhetoric manifest itself into actual policy, or will we see a more nuanced approach to global trade from the incoming administration? For now, we see overall weakness in foreign stocks versus their U.S. counterparts as European growth has slowed and a stronger U.S. dollar presents challenges for emerging markets. LPL Research favors an underweight to emerging markets, although valuations are attractive at this point and more stimulus from China is forthcoming. Yields Bond yields jumped higher with the 10-year U.S. Treasury rate climbing 16 basis points (bps), finishing yesterday at 4.43%. Yields had been moving higher into the election with the prospect of increased spending from both candidates and better-than-expected economic data. News of the Trump victory did little to assuage bond investors’ fears as potential tariffs caused worries of renewed inflation. Target rate probabilities for a 25 basis point rate cut by the Federal Reserve (Fed) this afternoon (November 7) inched higher, remaining a near certainty. However, traders pared back future rate cut expectations, with consensus coming in at roughly four 0.25% cuts by the end of 2025. Bond markets seem to be exercising caution here, tempering equity market enthusiasm. The good news is that this presents more attractive starting yields for bond investors who are looking to deploy excess cash. Financials The financial services sector led all S&P 500 sectors initially following the election results. General sentiment is that a Trump administration would ease regulations on the heavily scrutinized sector, allowing companies to operate more freely. Mergers and acquisitions, which have been largely dormant recently, are expected to increase returns for bank stocks as a presumed Republican majority in Congress is seen to bias towards a more business-friendly environment (the House has not been decided but is likely to end up with a narrow Republican majority). Financials have emerged favorably for LPL Research amid a constructive technical backdrop and an expected softening regulatory environment. The chart below shows one-day returns of the 11 S&P 500 sectors following Election Day, led by financial services. One-Day Post-Election S&P 500 returns Source: LPL Research, Bloomberg 11/06/24 Disclosures: All indexes are unmanaged and cannot be invested in directly. Past performance is no guarantee of future results. Conclusion Perhaps the biggest takeaway, aside from what we’ve highlighted here, is the lifting of the shroud of uncertainty. Markets love clarity, and they were granted exactly that in an expedient and demonstrable way following this election cycle. These events will take time to digest, and one single day should not be taken as a definite precursor to the future; however, the idea that the markets can now work without the burden of uncertainty should be welcomed by all investors. Source: https://www.lpl.com/research/blog/markets-gain-clarity-as-the-election-dust-settles.html [...] Read more...
November 13, 2024    The S&P 500 Now Makes Up 51% of Global Stock Market Value This graphic breaks down the global equity market into five major pieces as of Dec. 31, 2023, using data from S&P Dow Jones Indices. It highlights the massive share of market capitalization that is located in the U.S., particularly within the S&P 500 index. Data and Key Takeaways The figures we used to create this graphic are listed in the table below. Name Share of Global Equity Market Capitalization (%) S&P 500 51 Rest of U.S. 8 Developed Markets Ex-U.S. 30 China 3 Emerging Markets Ex-China 8                   As of the end of 2023, companies listed in the U.S. accounted for 59% of global stock market value. Most of this value is in the S&P 500 index, which consists of the 500 largest publicly traded companies in the country. Nearly all of the world’s trillion-dollar companies belong in the S&P 500: Apple, Nvidia, Microsoft, Alphabet, Amazon, and Meta (also known as the Magnificent Seven) Looking Outside the U.S. After U.S. markets, Developed Markets ex-U.S. account for the next biggest share. Shown as the green segment in the chart, developed markets are economies with established financial systems and high levels of income. Excluding the U.S., the largest developed markets (by capitalization) according to S&P are Japan, UK, Canada, France, and Switzerland. Finally, there’s Emerging Markets (yellow section) and China (red section). China is considered an emerging market, but was shown separately given its significance to the global economy. According to S&P, the largest emerging markets (by capitalization) are China, India, Taiwan, Brazil, and Saudi Arabia. Emerging markets are economies in the process of rapid growth and industrialization, as well as higher volatility. As of October 2024, the most valuable emerging markets companies are Saudi Arabia’s Saudi Aramco and Taiwan’s TSMC. Source: https://www.visualcapitalist.com/breaking-down-the-global-equity-market-into-five-pieces/     [...] Read more...

Funds

Aggressive GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
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Fact Sheet
Fact Sheet
Fact Sheet
Fact Sheet
Fact Sheet
Fact Sheet

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