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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

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
May 21, 2025  Key Takeaways The U.S. is home to 1,873 billion dollar firms by market cap, more than a third of the global total. Japan ranks in second worldwide, at 404 billion dollar publicly-listed firms. Since 2000, the number of companies in India valued at $1 billion or more has jumped from 20 to 348. Globally, there are 5,522 publicly-listed firms valued at $1 billion or more. While the U.S. commands the largest share, increasingly, a growing number of large firms are emerging out of India and the broader Asia-Pacific region. Underpinning this trend is strong economic growth, rising capital inflows, and favorable demographics. This graphic shows the world’s billion dollar companies by country, based on analysis from BestBrokers.   Where Are the World’s Billion Dollar Companies Located? With a $60.1 trillion market cap, the U.S. stock market commands 49% of the global market share—and the highest concentration of billion-dollar firms. To look at it another way, the U.S. has about five billion-dollar companies per million residents. This strength can be attributed to America’s technological progress, significant venture capital flows, and economic competitiveness. Country Number of Billion Dollar Market Cap Companies 🇺🇸 U.S. 1,873 🇯🇵 Japan 404 🇮🇳 India 348 🇨🇦 Canada 228 🇬🇧 UK 218 🇨🇳 China 216 🇦🇺 Australia 143 🇩🇪 Germany 143 🇫🇷 France 131 🇨🇭 Switzerland 122   Despite demographic headwinds, Japan follows next, with 404 billion dollar firms. Under president Shinzo Abe, the Japanese stock market experienced significant reforms, boosting foreign investment and merger activity. Additionally, the Tokyo Stock Exchange has required companies to state how they plan to increase company valuations, in a notably undervalued market. Ranking in third is India, seeing an explosive growth of large companies amid rising investor participation and infrastructure investment. Over the past five years, its leading stock market index has surged 137%—surpassing the S&P 500’s 98% gain. China ranks sixth, with 216 companies valued at $1 billion or more. Overall, the Asia-Pacific region has the second-highest share of billion dollar firms after North America, at 30% of the global total. Meanwhile, Latin America and Africa have the lowest shares, at 3% and 1%, respectively.   https://www.visualcapitalist.com/billion-dollar-companies-by-country-in-2025/ [...] Read more...
May 20, 2025Inflation moderation A Consumer Price Index report showed that price increases continued to moderate in April even as higher tariffs began to take effect. Prices rose 2.3% over the same month a year earlier, down slightly from March’s 2.4% annual inflation rate and marking the smallest increase since February 2021. Excluding volatile energy and food prices, core inflation was unchanged at 2.8% in April relative to March.   Trade progress The bulk of U.S. stocks’ weekly gains came on Monday following trade negotiations between the world’s two largest economies. U.S. and Chinese negotiators agreed to sharply reduce rates for many recently introduced tariffs for 90 days while pursuing further talks that could result in a longer-term agreement.   Rebound resumes The S&P 500 finished the week up more than 5% as the major U.S. indexes rebounded sharply from the previous week’s fractional declines. The latest results marked the fourth positive week out of the past six as stocks continued to regain their footing following the sharp declines recorded in late February to early April.   Sales flatten U.S. retail sales posted a small monthly increase after surging the previous month in a bigger-than-expected gain that many analysts attributed to a spike in purchasing ahead of higher tariffs. Thursday’s report of a 0.1% sales rise in April followed a 1.7% surge in March.   SOURCE: https://www.jhinvestments.com/weekly-market-recap#market-moving-news   [...] Read more...
May 16, 2025Back on January 10, 2025, it cost $1.024 to buy one Euro. Last Friday, the $/Euro exchange rate was $1.125 – a drop in the value of the dollar of about 10%. Similar moves in the value of the US dollar versus the British pound, Japanese yen, and Canadian dollar also occurred. Many analysts have jumped on this drop in the dollar to attack President Trump’s tariff policies…basically saying that if we keep heading down this road foreigners will pull back from investing in the US, the dollar will fall, overseas investments will outperform, and the US will undermine its global exceptionalism. As a quick aside, while panic-stricken, politically- motivated attacks are nothing new, the fear generated by “end-of-the-world-as-we-know-it” forecasts since 2008 have reached a frenzy. Investors would be better served by staying level-headed. First of all, think of how many times you have read a headline that “billionaires are selling all their stocks,” or “the dollar is dead,” or “a crash, or depression, is coming.” Especially in the past seventeen years since 2008. And none of these have happened. So, please stay level-headed. Yes, the dollar has moved sharply lower in the past fourmonths or so, but if we look at five- or ten-year timeframes it is right in the middle of its trading range. Yes, European stocks have outperformed US stocks this year, but European stocks are still trailing by a significant amount over the past decade or more. So, what explains the movement in the dollar? Here is a theory that gets too little attention. Everyone knows that there was a huge surge in the US trade deficit as importers were front-running tariffs. So, let’s think about what this means. When people sell goods to the US, they get dollars. In fact, there is a school of economic thought that says the world must run trade deficits with the US because the dollar is the world’s reserve currency and the world needs dollars to both trade and back their own sovereign currencies with one of the most trusted assets in the world. Well, if this is true, and we believe it is, then how many dollars does the world really need? Between 2010 and 2020, the trade deficit averaged about $40 billion per month. From 2020 to 2024, the trade deficit averaged about $70 billion per month, but this was probably at least partly COVID induced…the US opened up faster than other countries. Then in December, the trade deficit hit $98 billion, and then $131 billion in January, $123 billion in February, and $140 billion in March. If we compare this to the $70B per month average from 2024, in just 4 months of 2025, the US has sent $212 billion extra dollars overseas. $212 billion!!!! Assuming that the demand for use of the dollar in international trade did not change one bit, that $212 billion of extra dollar supply in foreign hands would certainly knock its value down on foreign exchange markets. In other words, no wonder the dollar fell this year. We flooded the world with dollars by massively increasing our trade deficit. Well, we believe the front-running comes to an end soon. Our bet is that this will lead to a stronger dollar as supply and demand come back into balance. The dollar is not dead or dying. CLICK TO READ MORE:   [...] Read more...
May 14, 2025  Key Takeaways This graphic shows the 50 most valuable companies globally, based on May 5, 2025 market capitalizations The U.S. has the highest representation in this ranking with 32 companies, followed by China at 5 companies The world’s most valuable companies hold immense sway over the global economy, shaping everything from technology to consumer trends. As of May 2025, U.S. giants like Apple, Microsoft, and Nvidia are worth trillions of dollars, reflecting America’s long-standing leadership in innovation and capital markets. In this graphic, we rank the world’s 50 most valuable companies, color coding them according to their country of origin.   Data & Discussion The figures we used to create this graphic were sourced from companiesmarketcap.com, as of May 5, 2025. Rank Name Country Market Cap 1 Microsoft 🇺🇸 United States $3,241,850,000,000 2 Apple 🇺🇸 United States $2,970,580,000,000 3 NVIDIA 🇺🇸 United States $2,777,210,000,000 4 Alphabet 🇺🇸 United States $2,003,080,000,000 5 Amazon 🇺🇸 United States $1,978,370,000,000 6 Saudi Aramco 🇸🇦 Saudi Arabia $1,622,480,000,000 7 Meta 🇺🇸 United States $1,512,830,000,000 8 Berkshire Hathaway 🇺🇸 United States $1,104,700,000,000 9 Broadcom 🇺🇸 United States $943,775,000,000 10 TSMC 🇹🇼 Taiwan $914,907,000,000 11 Tesla 🇺🇸 United States $902,706,000,000 12 Walmart 🇺🇸 United States $794,728,000,000 13 Eli Lilly 🇺🇸 United States $737,662,000,000 14 JPMorgan Chase 🇺🇸 United States $701,887,000,000 15 Visa 🇺🇸 United States $668,214,000,000 16 Tencent 🇨🇳 China $579,706,000,000 17 Mastercard 🇺🇸 United States $509,590,000,000 18 Netflix 🇺🇸 United States $482,623,000,000 19 Costco 🇺🇸 United States $450,289,000,000 20 Exxon Mobil 🇺🇸 United States $445,094,000,000 21 Oracle 🇺🇸 United States $418,643,000,000 22 Johnson & Johnson 🇺🇸 United States $372,941,000,000 23 Procter & Gamble 🇺🇸 United States $372,383,000,000 24 UnitedHealth 🇺🇸 United States $368,468,000,000 25 Home Depot 🇺🇸 United States $359,534,000,000   The two largest companies in this graphic, Microsoft and Apple, have regularly swapped places as the world’s most valuable company over the past decade. Both companies are integrating artificial intelligence into their product offerings, which has helped fuel their market cap growth in recent years. Next, let’s take a closer look at some of the non-U.S. companies in this graphic. 🇦🇪 International Holding Company (IHC) International Holding Company (IHC), based in Abu Dhabi, has rapidly become one of the Middle East’s most valuable firms with a market capitalization of $240 billion. Originally a fishing company, IHC has transformed into a conglomerate with investments across healthcare, agriculture, real estate, and artificial intelligence. This includes a $50M investment in Elon Musk’s SpaceX. 🇹🇼 TSMC Taiwan Semiconductor Manufacturing Company (TSMC) holds a market cap of almost $1 trillion, making it the most valuable company in Asia. As the world’s largest dedicated semiconductor foundry, TSMC manufactures chips for major names like Apple, Nvidia, and AMD. Check out this graphic from January 2025 to see a market capitalization breakdown of the global semiconductor industry. 🇨🇳 Tencent Tencent, with a market cap of nearly $600 billion, remains one of China’s most influential tech companies despite regulatory headwinds. The company is best known for its WeChat platform, but is also involved in gaming, cloud services, fintech, and even original content production. Through its Tencent Video platform, which has over 120 million paid subscribers, the company produces a variety of dramas, shows, and animations.   SOURCE: https://www.visualcapitalist.com/ranked-the-worlds-50-most-valuable-companies-in-2025/#google_vignette             [...] Read more...

Funds

Aggressive GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
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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