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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 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...
June 3, 2025May’s rebound After a volatile and mostly negative April, the major U.S. stock indexes generated strongly positive results in May. The NASDAQ finished about 9.6% higher for the month while the S&P 500 gained 6.2% and the Dow added 3.9%. Information technology stocks led the broader market, with the S&P 500’s tech sector up more than 10%.   Inflation eases One measure of inflation remained above the U.S. Federal Reserve’s 2.0% long-term target in April but fell slightly from the previous month, despite concerns about the potentially inflationary impact of higher tariffs. Friday’s reading from the Personal Consumption Expenditures Index showed that core inflation excluding food and energy prices rose at an annual rate of 2.5%, down from 2.7% the previous month.   Earnings scorecard Companies in the S&P 500 posted an average earnings gain of 12.9% over the same quarter a year earlier, according to FactSet data from the recently concluded first-quarter earnings season. That result marked the second consecutive quarter of double-digit growth but was a modest slowdown from the previous quarter’s 17.8% year-over-year growth rate. Healthcare posted a 43.0% earnings gain in the latest quarter, the highest among all 11 sectors.   Yields retreat The yield of the 30-year U.S. Treasury bond fell back below the 5.00% threshold a week after it climbed to the highest level since 2023 amid concerns about the long-term outlook for U.S. government debt. The 30-year yield ended the week around 4.91%, down from a recent peak of 5.09% on May 21. Shorter-dated Treasury yields also retreated, with the 10-year yield finishing at 4.39%.   Source: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
May 29, 2025Moody’s finally downgraded US government debt on May 16th to Aa1, its second highest rating. With the US $36 trillion (and rising) in debt, it’s not hard to see why. But Moody’s was late to the party with S&P and Fitch (the other two major ratings agencies) having done so long ago. The financial media went berserk, but long-term bond yields have not exactly soared. The 10-year Treasury yield closed at 4.43% the night before the downgrade and 4.51% this past Friday, eight days later. The 30-year Treasury yield moved up more but, again, didn’t skyrocket, closing at 4.89% on the ev before the downgrade and 5.04% as of last Friday. What has received more attention is the gap between the yield on the 30-year and the 10-year, which has grown to 50+ basis points, noticeably higher than the 20 basis points it averaged in 2024. However, the yield gap averaged 44 bps in the year prior to COVID, so not much change. It’s hard to separate the impact of all the moving parts affecting the bond market. For example, Federal Reserve officials have made it clear that near-term rate cuts are, from their perspective, not warranted. So, was it the downgrade or the Fed that put pressure on the market? S&P downgraded US debt back in 2011 and Fitch in 2023, with no calamity as a result. S&P’s downgrade came in the Obama Administration, Fitch’s during Biden/Harris. Like then, the downgrade is being used to bash politicians, this time the Trump Administration and Republicans in Congress for moving ahead with efforts to extend the tax cuts originally enacted back in 2017. Moody’s criticizes the extension as being fiscally irresponsible. Wider deficits, according to the analysts, lead to higher interest rates on higher debt and a greater interest burden for the government to finance, leading to even bigger deficits, and so on and so forth. The problem with this theory, though, is that the policies being pursued are not going to lift budget deficits beyond the policies that are already in place. In other words, why wait until now to downgrade debt based on current policies? Spending soared after COVID, even with the economy opening up and unemployment at 4% or less. It was the spending that created $2 trillion deficits and the Biden Administration never talked about tax hikes. The Big Beautiful Bill includes some spending cuts. According to the Tax Foundation, a non-partisan think tank, the bill recently passed by the House will reduce the deficit by roughly $1.9 trillion in the next ten years compared to a simple alternative of passing a bill that merely extended the 2017 tax cuts for the next ten years. That’s because the latest bill includes both higher expected revenues as well as some reforms to entitlements, like Medicaid. In addition, tariffs should generate some extra receipts and the Trump Administration has proposed steep cuts to non- defense discretionary spending for Fiscal Year 2026 (starting October 1), calling for 32% less spending on these programs versus what the Congressional Budget Office assumed back in January. If those cuts happen, the “baseline” for future spending could be a few trillion lower in the next decade. None of this is to suggest that the US fiscal position is good; it’s certainly not. In spite of record tax revenue, spending is so high that budget surpluses are nowhere in sight. Back in 2007, the budget deficit was only about 6% of federal spending. In other words, it wouldn’t have taken many spending cuts to get to a balanced budget. But by 2019 (the year before COVID), the budget deficit was 22% of federal spending. Now it’s 27% of federal spending. Imagine cutting your household budget by 27%! The good news is we don’t have to run surpluses to make our debt position manageable. At a minimum we want overall debt to grow no faster than nominal GDP. The more we reduce the deficit by cutting spending, the more resources stay in the private sector, setting off a virtuous cycle of more growth, more revenue, and smaller deficits. It happened under President Clinton. Now that the Senate has the bill, can we do it again? Click here to read more [...] 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