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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
April 1, 2025Style rotation An index of U.S. large-cap growth stocks lagged its value counterpart by a big margin, widening the value equity style’s year-to-date outperformance following growth’s market leadership in 2024. The growth index was down about 2.6% for the week while a value index slipped 0.4%. Year to date, the growth index was down 10.0% versus a 1.2% gain for its value peer.   Gold shines The price of gold climbed for the fourth week in a row, extending a year-to-date surge that briefly pushed the precious metal’s price above the $3,100-per-ounce level for the first time. On Friday afternoon, gold was trading around $3,116, up about 17% year to date.   Tariff announcement The new week could again put global trade tensions in focus, as President Donald Trump recently said that he expects to announce plans on Wednesday for the United States to impose reciprocal tariffs on key trading partners. The scope of any such tariff increases could hinge on trade reports that are due to the president on Tuesday from his secretaries of commerce and treasury.   Jobs ahead The next monthly labor market report due out on Friday will show whether the moderate slowdown in jobs growth seen in the first two months of 2025 extended into March. In February, the economy generated 151,000 new jobs, up slightly from 125,000 in January but well below the figures in the last two months of 2024.   SOURCE: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
March 28, 2025U.S. Tax Competitiveness Has Room for Improvement In today’s globalized economy, the structure of a country’s tax system plays a crucial role in determining its economic performance. International tax competitiveness, which refers to how favorable a country’s tax policies are compared to others, can significantly impact both business and investment decisions. In times of economic slowdown, the policy response — which often includes monetary easing — should include business-friendly tax policies. Here’s why investors should carefully monitor for any progress on the tax front that lifts the U.S. from its 18th rank in tax competitiveness — currently behind other developed countries like Germany and Canada. Attracting Foreign Investment One of the primary ways international tax competitiveness boosts economic growth is by attracting foreign direct investment (FDI). Canada and Germany were primary drivers of the growth in FDI in recent years, but in aggregate, The Netherlands, Japan, Canada, and Britain accounted for half of the total foreign investment inside the U.S. When countries offer lower corporate tax rates and other tax incentives, they become more attractive to multinational corporations looking to invest. The arrival of foreign capital can spur the establishment of new enterprises, the growth of existing ones, and overall economic development. For example, nations with attractive tax rates frequently experience elevated levels of FDI, which subsequently drives job creation, enhances productivity, and elevates growth. Encouraging Domestic Investment Competitive tax policies not only attract foreign investors but also encourage domestic businesses to reinvest their profits within the country. Reduced corporate income tax rates allow businesses to retain more capital for expansion, research and development, and other growth-focused initiatives. This reinvestment can stimulate economic activity, boost employment rates, and ultimately result in higher economic growth. Enhancing Economic Efficiency A well-structured tax system that is competitive on an international scale can enhance economic efficiency by reducing distortions in economic decision-making. Excessively high tax rates can deter investment and savings, causing resources to be misallocated. On the other hand, competitive tax rates can motivate businesses and individuals to make economically sound decisions, such as investing in productive ventures instead of seeking tax shelters. This efficiency can result in greater overall economic output and growth. Promoting Innovation and Entrepreneurship Countries with competitive tax systems often foster a more favorable environment for innovation and entrepreneurship. Reduced taxes on profits and capital gains can motivate entrepreneurs to launch new ventures and invest in innovative initiatives. This entrepreneurial activity can propel technological progress, enhance productivity, and open up new markets, all of which contribute to a rise in gross domestic product (GDP). Case Studies and Examples Several countries have demonstrated the positive impact of international tax competitiveness on GDP. For instance, Ireland’s attractive corporate tax rate has drawn many multinational companies, resulting in substantial economic growth and a high GDP per capita. Likewise, Estonia’s tax system, which includes a flat tax rate and exempts reinvested profits from corporate income tax, has been recognized for creating a vibrant business climate and strong economic growth. The “2024 International Tax Competitiveness Index Rankings” chart highlights the ranking of the top 20 countries within the Organization for Economic Co-operation and Development (OECD) with the most favorable tax rates. On that list, the U.S. ranks 18th, a spot that could certainly be improved upon to spur economic activity. 2024 International Tax Competitiveness Index Rankings Source: LPL Research, Tax Foundation 03/19/25 Conclusion International tax competitiveness is a key factor in boosting GDP. By attracting foreign and domestic investment, enhancing economic efficiency, promoting innovation and entrepreneurship, and reducing tax evasion, competitive tax policies can drive economic growth and improve a country’s overall economic performance. As countries continue to navigate the complexities of the global economy, maintaining a competitive tax system in the U.S. will be essential for fostering sustainable economic growth and prosperity. Investors should monitor Capitol Hill negotiations later this year as the Republican led Congress seeks to preserve key provisions in the Tax Cuts and Jobs Act (TCJA), which is set to expire at the end of this year. These negotiations, if successful, could send a strong business- and consumer-friendly signal that the U.S. is serious about remaining competitive on the global landscape.   Source: https://www.lpl.com/research/blog/us-tax-competitiveness-has-room-for-improvement.html   [...] Read more...
March 27, 2025  How Much Gold Is in Fort Knox? U.S. President Donald Trump has promised to visit Fort Knox “to make sure the gold is there.” Officially, the United States Bullion Depository (commonly known as Fort Knox) holds over half of the Treasury’s $428 billion of gold reserves. In this graphic, we put that amount into perspective by comparing Fort Knox’s reserves with central bank gold reserves worldwide. The data comes from the U.S. Mint and the World Gold Council. For illustrative purposes, we considered a pallet of 1,190 gold bars (400 troy ounces each) weighing approximately 14.8 tonnes. What Is Fort Knox? Located in Kentucky, Fort Knox is a U.S. Army installation that serves as the primary storage site for America’s gold reserves. The facility was established in the 1930s to protect gold from potential foreign attacks. The first gold shipment arrived in 1937 via U.S. Mail from the Philadelphia Mint and the New York Assay Office. During World War II, Fort Knox safeguarded important U.S. documents, including the Declaration of Independence, the Constitution, and the Bill of Rights. It has also housed international treasures, such as the Magna Carta and the crown, sword, scepter, orb, and cape of St. Stephen, King of Hungary, before they were returned in 1978. Currently, it holds 4,175 tonnes of gold, equivalent to nearly half of China’s gold reserves and four times the Swiss central bank’s reserves. Reserves Gold (Tonnes) 🇺🇸 U.S. Reserves 8,133 🏛️ Fort Knox 4,175 🇨🇳 China 2,280 🇯🇵 Japan 846 🇨🇭 Switzerland 1,040 🇮🇳 India 876 🇰🇷 South Korea 104 🇸🇬 Singapore 220 🇧🇷 Brazil 130 🇲🇽 Mexico 120 🇹🇭 Thailand 235 Only small samples have been removed for purity testing during audits; no major transfers have occurred for years. Gold Bar Specifications Size: 7 inches × 3 5/8 inches × 1 3/4 inches Weight: 400 ounces (27.5 pounds)   Extreme Security Only a select few know the full security procedures, and no single person knows how to fully open the vault. In 1974, a group of journalists and a Congressional delegation were allowed inside—marking the first official visit since Fort Knox’s creation. Previously, President Franklin D. Roosevelt was the only person other than authorized personnel to access the vaults. In 2017, Treasury Secretary Steve Mnuchin, Kentucky Governor Matt Bevin, and several Congressional representatives became the second group to visit the vault.   Source: https://www.visualcapitalist.com/visualized-how-much-gold-is-in-fort-knox/         [...] Read more...
March 25, 2025Fed’s updated outlook The U.S. Federal Reserve continued to take a wait-and-see approach to the economic outlook as it again kept its benchmark interest rate unchanged. Policymakers maintained their consensus outlook for two rate cuts by year end, although the central bank negatively adjusted other expectations by reducing its economic growth rate forecast and pushing its inflation projection higher.   Retail setback U.S. retail sales fell well short of most economists’ expectations, posting a weak result for the second month in a row. The government reported on Monday that sales in February rose 0.2%, below consensus expectations for a 0.6% gain. In addition, January’s initially reported sales figure showing a 0.9% decline was revised downward to a 1.2% drop.   Buybacks expand U.S. companies spent nearly 19% more to buy back shares in 2024 than they did in 2023. Share repurchases by companies in the S&P 500 totaled a record $943 billion last year, up from 2023’s $795 billion, according to S&P Dow Jones Indices. On a quarter-to-quarter basis, buybacks rose 7% in last year’s fourth quarter relative to the third quarter.   Price check ahead A report scheduled to be released on Friday could ease the recent uncertainty over inflation’s trajectory. The Personal Consumption Expenditures Price Index is the U.S. Federal Reserve’s preferred gauge for tracking inflation. The most recent PCE inflation report showed inflation rising at an annual rate of 2.5% in January, slightly below the 2.6% figure recorded the previous month.   Source: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...

Funds

Aggressive GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
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Fact Sheet
Fact Sheet
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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