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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 Enhanced 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
October 6, 2026Yield curve steepens The week produced another bumpy ride for bond investors, as yields of some government debt maturities briefly touched the highest levels since 2002 before modestly retreating. Yields of shorter duration bonds generally finished the week flat overall, with the 2-year Treasury ending at 4.84%. Longer duration yields rose, with the 10-year Treasury at 5.28% and the 30-year at 5.63%.   Moderating inflation The U.S. Federal Reserve’s preferred gauge for tracking inflation recorded lower-than-expected price pressures in the latest monthly report. The Personal Consumption Expenditures Index rose at an annual rate of 3.4% in August, below consensus expectations for 3.7%. Excluding volatile energy and food prices, core PCE rose 3.0%, down from 3.3% in July and below consensus expectations.   GDP upgrade The U.S. government’s final estimate of second-quarter GDP delivered a positive adjustment due to increases in consumer and government spending. GDP growth was estimated at an annual rate of 2.2% for the quarter versus a 1.5% figure for the previous estimate.   September snapshot The U.S. stock market closed out the third quarter with mixed September results for the major indexes. Gains from many of the biggest technology stocks helped the NASDAQ outperform, and the index rose 1.9%. The S&P 500 fell 0.5% while the Dow lagged, declining 4.3% and snapping a five-month streak of gains.   Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
October 3, 2026Fed Raises Rates as Inflation Remains in Focus The Federal Reserve has raised interest rates for the first time since 2023, bringing renewed attention to inflation, economic growth and the direction of monetary policy. At its September meeting, the Federal Open Market Committee increased the federal funds target range by 0.25 percentage points to 3.75%–4.00%. The decision comes as policymakers continue to balance an economy that has remained relatively resilient with inflation that is still running above the Fed’s longer-term 2% goal. For investors, the move raises an important question: Is this the start of another rate-hiking cycle, or a more limited adjustment designed to keep inflation expectations in check? Why the Fed Raised Rates Although inflation has improved from previous highs, recent economic data has shown that price pressures have not disappeared entirely. At the same time, economic growth has remained relatively solid and the labor market has shown signs of stabilization. Those conditions can give the Federal Reserve more flexibility to concentrate on bringing inflation closer to its target. Energy prices, geopolitical uncertainty and changes in financial conditions are also adding complexity to the Fed’s outlook. Rather than signaling a predetermined path for interest rates, policymakers appear likely to continue evaluating economic data as it becomes available. Could Additional Rate Hikes Be Ahead? The Fed’s latest economic projections suggest policymakers remain concerned about inflation and are keeping the possibility of additional tightening on the table. However, that does not necessarily mean investors should expect a prolonged series of increases. Inflation trends, labor market conditions, energy prices and economic growth will all play a role in determining what happens next. If price pressures continue to moderate while employment remains relatively stable, the Fed may have less reason to continue raising rates aggressively. On the other hand, another significant increase in inflation could keep additional rate hikes in consideration. Higher Rates Continue to Affect the Bond Market Changes in Federal Reserve policy can have broad implications for fixed-income markets. Treasury yields have already experienced considerable volatility as investors weigh inflation concerns, government borrowing, economic growth and expectations for future Fed policy. Higher yields can create challenges for existing bonds, since bond prices generally fall as interest rates rise. At the same time, higher yields may also provide investors with more attractive income opportunities than were available during years of exceptionally low interest rates. That makes both interest-rate risk and portfolio duration important considerations in the current environment. Equity Investors Are Watching Rates Too Interest-rate decisions can also influence stock valuations. Higher borrowing costs can affect corporate expenses, consumer spending and economic activity. They can also make fixed-income investments more competitive with stocks when yields increase. At the same time, corporate earnings and economic growth remain important drivers of equity markets. Investors are therefore balancing relatively resilient business fundamentals against elevated valuations, higher interest rates and ongoing geopolitical uncertainty. Diversification Remains Important Periods of changing monetary policy can be a reminder of the importance of maintaining a diversified investment strategy. Different areas of the market can respond very differently to higher interest rates, inflation and economic growth. Stocks, bonds, infrastructure, credit and other asset classes may each play different roles depending on an investor’s objectives, risk tolerance and time horizon. Rather than focusing solely on the Federal Reserve’s next decision, investors may benefit from considering the broader picture: inflation trends, economic growth, corporate earnings, interest rates and long-term financial goals. What Comes Next? The Federal Reserve’s September rate increase reinforces one message that has become familiar to investors: monetary policy remains dependent on incoming economic data. Inflation continues to command policymakers’ attention, but the economy has also shown resilience. Whether this latest increase is followed by additional hikes will likely depend on how those two forces evolve over the coming months. For investors, the key may be staying focused on long-term objectives while remaining prepared for continued volatility as markets adjust to changing interest-rate expectations. This article is for informational and educational purposes only and should not be considered investment advice. Investors should consult with a qualified financial professional regarding their individual circumstances.  SOURCE:  https://www.nuveen.com/en-us/insights/investment-outlook/fed-update [...] Read more...
October 1, 2026How U.S. Wealth Is Distributed by Generation in 2026 American households collectively hold an estimated $185.7 trillion in net worth, but that wealth is far from evenly distributed across generations. According to Federal Reserve data highlighted by Visual Capitalist, Baby Boomers continue to hold the largest share of U.S. household wealth, accounting for roughly 52.5% of the total as of the second quarter of 2026. Visual Capitalist Baby Boomers Hold More Than Half of U.S. Wealth Baby Boomers, born between 1946 and 1964, represent about 30% of U.S. households but hold approximately $97.4 trillion in net worth. That reflects decades of accumulating assets such as homes, stocks, retirement accounts, and pensions. Boomers also hold a significant share of U.S. equities, which has contributed to the growth of their overall wealth. Visual Capitalist Generation X Holds About One-Quarter Generation X, born between 1965 and 1980, holds approximately $47.7 trillion, or about 25.7% of total U.S. household wealth. Interestingly, Gen X represents roughly the same share of American households — about 25.8% — making its share of wealth much more closely aligned with its share of households than other generations. Visual Capitalist Millennials and Gen Z Continue to Build Wealth Millennials and Gen Z make up the largest generational group by household count, representing about 37% of U.S. households. Together, however, they hold only about 11.2% of total household net worth, or approximately $20.8 trillion. Visual Capitalist That share has been growing. In 2020, Millennials and Gen Z held less than 5% of U.S. household wealth. By 2026, their share had more than doubled as younger households accumulated more real estate and financial assets. Visual Capitalist At the same time, younger households tend to carry significantly more debt relative to their assets. Real estate represents a larger portion of Millennial assets, while mortgages, student loans, and other liabilities continue to affect overall net worth. Visual Capitalist Wealth Continues to Shift Between Generations The distribution of household wealth is constantly changing as generations move through different stages of life. Older generations have generally had more time to save, invest, own property, and benefit from long-term asset appreciation. Younger generations are still in the process of building wealth, while future inheritances and asset transfers may gradually change the balance. For investors, the numbers are another reminder that time, asset ownership, debt management, and long-term investing can play an important role in building wealth over a lifetime. As the generational landscape continues to evolve, the way wealth is invested, transferred, and preserved will remain an important part of the broader U.S. financial picture. Source: Federal Reserve Distributional Financial Accounts, via Visual Capitalist. [...] Read more...
September 29, 2026Weekly Market Recap: Week Ended September 25 September 29, 2026 Markets closed out the week with investors watching rising global bond yields, continued strength in the U.S. dollar, new highs for the NASDAQ, and the next round of employment data. Government Bond Yields Rise Around the World Higher bond yields weren’t limited to the United States last week. Government borrowing costs moved higher across several major developed economies as investors continued to weigh persistent inflation concerns and the outlook for interest rates. By Friday, the yield on the United Kingdom’s 10-year government bond had climbed to 5.36%. Germany’s 10-year yield reached 3.60%, while Japan’s rose to 3.07%. China remained an outlier among major economies. Its 10-year government bond yield finished around 1.69%, edging slightly lower for the week and remaining well below yields in many other developed markets. The divergence highlights how central banks and economies around the world continue to face different inflation, growth, and monetary-policy conditions. U.S. Dollar Continues to Gain Ground The U.S. dollar strengthened again during the week as currency markets reacted to the first U.S. interest-rate increase in three years. By Friday afternoon, the dollar had gained approximately 0.6% for the week against a basket of major currencies. It was also about 2.3% above its recent September 9 low. A stronger dollar can have wide-ranging effects across global markets, influencing international trade, commodity prices, overseas earnings for U.S. companies, and the relative attractiveness of U.S. assets. NASDAQ Reaches a New Record Technology stocks helped push the NASDAQ to a new record high on Tuesday, surpassing its previous peak from early June. The index gave back some of those gains the following day but still ended the week firmly higher. For the week: NASDAQ: +2.1% S&P 500: +1.2% Dow Jones Industrial Average: +0.3% The results reflected another positive week for U.S. equities, although performance varied considerably among the major indexes. Labor Market Takes Center Stage Investors will now turn their attention to the upcoming September employment report for additional clues about the health of the U.S. labor market. August delivered a surprisingly strong increase of 162,000 jobs, roughly three times what many economists had anticipated following weaker employment reports in previous months. The unemployment rate remained unchanged at 4.1%. The September report will provide another important snapshot of hiring conditions and could influence expectations surrounding the economy and future Federal Reserve policy. As markets continue to respond to interest rates, inflation, currencies, and economic growth, employment data remains an important part of the overall picture.   Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...

Funds

Enhanced GrowthGrowthModerateConservative/ModerateConservativeVery Conservative
Download
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