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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

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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
September 24, 2026Technology, Infrastructure and Innovation Continue to Shape the Next Investment Themes Several long-term investment themes are gaining momentum as artificial intelligence, infrastructure development, advanced manufacturing and emerging technologies reshape industries around the world. From the massive power requirements of data centers to advances in personalized medicine and robotics, innovation is increasingly influencing where companies invest capital and where new economic opportunities may emerge. AI Is Driving an Infrastructure Buildout Artificial intelligence is no longer simply a software story. The rapid expansion of AI is creating demand for physical infrastructure, including data centers, electrical equipment, power generation, cooling systems and construction services. Data center construction spending has increased significantly as technology companies continue investing in computing capacity. These facilities require enormous amounts of electricity and specialized equipment, creating opportunities throughout the broader infrastructure supply chain. The trend also highlights a growing challenge: building AI infrastructure can take time. Equipment shortages, utility connections, labor availability and construction costs can all slow projects. As companies continue investing heavily in AI, infrastructure spending could remain an important part of the technology growth story. Artificial Intelligence Expands Beyond Chips The AI industry continues to evolve rapidly. Early growth centered heavily on semiconductors and computing power. Increasingly, however, attention is expanding toward AI software, models, developer platforms and enterprise applications. Businesses are experimenting with AI across areas such as customer service, research, software development, data analysis and automation. As adoption expands, the companies supporting the entire AI ecosystem—from computing infrastructure to software platforms—may become increasingly important. Defense Supply Chains Become a Strategic Priority Governments are also focusing greater attention on domestic manufacturing and supply chains for strategically important materials and technologies. Critical minerals, battery materials and specialized components are essential for many modern defense systems, including aircraft, sensors, communications equipment and advanced weapons systems. Efforts to strengthen domestic production could lead to additional investment in mining, processing, manufacturing and industrial infrastructure. The broader trend reflects growing interest in securing critical supply chains rather than relying heavily on overseas production. The Commercial Space Economy Continues to Grow Private investment and government policy are also helping expand the commercial space economy. More frequent rocket launches and improved launch infrastructure could eventually make access to space more economical. That could support industries ranging from satellite communications and Earth observation to navigation, research and national security. Expanding launch capacity remains an important part of that development. As infrastructure improves, commercial space applications may become increasingly practical and accessible. Personalized Medicine Reaches New Milestones Healthcare innovation is another area attracting attention. Researchers continue exploring treatments that use genetic information to customize therapies for individual patients. Recent advances in mRNA technology and genomic sequencing demonstrate how medicine could become increasingly personalized. Rather than relying entirely on treatments designed for broad patient populations, future therapies may increasingly target the specific genetic characteristics of a disease. These developments could have implications across biotechnology, pharmaceutical research, diagnostics and genomic technology. Robotics Moves Closer to the Physical World Artificial intelligence is also moving beyond computers and into physical environments. AI-powered robots and automated equipment are being tested in laboratories, factories and other industrial settings. Advances in software are allowing machines to perform increasingly complex tasks while coordinating with other equipment. Humanoid robotics is another emerging area attracting significant investment. Although widespread commercial adoption remains relatively early, robotics combined with AI could eventually transform manufacturing, logistics, healthcare, research and other industries. Watching the Bigger Picture Innovation rarely develops in isolation. Artificial intelligence requires power infrastructure. Advanced robotics depends on sophisticated computing. Personalized medicine relies on genomic sequencing and data analysis. Space exploration requires advanced manufacturing and communications systems. Together, these trends demonstrate how technology, infrastructure and industrial investment are becoming increasingly interconnected. For investors, understanding these relationships can help provide context around the structural changes influencing markets and the global economy. As always, emerging technologies can involve significant uncertainty and investment risk. Long-term trends may create opportunities, but individual technologies, industries and companies can experience substantial volatility along the way. Source: Global X ETFs, “The Next Big Theme: September 2026.” Read Full Article: https://www.globalxetfs.com/articles/the-next-big-theme-september-2026 [...] Read more...
September 23, 2026Global Bond Yields Are Climbing—What It Could Mean for Investors Government bond yields are rising across many of the world’s largest economies, signaling a meaningful shift in global borrowing conditions. Inflation concerns, rising energy prices, increased government spending and expanding debt levels are all contributing to higher long-term interest rates. According to Bloomberg market data reported by Visual Capitalist, 10-year government bond yields increased across 18 major economies during the 12 months ending September 15, 2026. Where Yields Are Rising the Fastest South Korea experienced the largest increase, with its 10-year government bond yield climbing 178 basis points—from 2.81% in September 2025 to 4.59% in September 2026. Japan followed with an increase of 145 basis points. Its 10-year yield rose from 1.58% to 3.03%, crossing the 3% threshold for the first time in approximately three decades. This represents a significant change for a country long associated with extremely low interest rates. Australia recorded the third-largest increase, rising 114 basis points to 5.41%. France followed with a 102-basis-point increase, bringing its 10-year yield to 4.50%. The United States ranked fifth. The 10-year Treasury yield increased 97 basis points over the year, moving from 4.04% to 5.01%. On September 15, the yield briefly reached 5.04%, its highest level since 2007. Other notable increases occurred in Greece, Italy, Germany, Portugal, Canada and the United Kingdom. Brazil continued to offer the highest yield among the countries included in the analysis, reaching 14.45%, while Mexico’s yield climbed to 9.54%. Why Are Bond Yields Rising? Several forces are influencing government bond markets. Persistent inflation remains an important concern. When investors believe inflation may remain elevated, they generally demand higher yields to compensate for the possibility that future interest payments will have less purchasing power. Higher government borrowing can also place upward pressure on yields. As governments issue more debt to finance budget deficits, they may need to offer more attractive rates to encourage investors to purchase the additional bonds. Monetary policy expectations play a role as well. If investors anticipate that central banks will maintain higher interest rates—or raise them further—long-term bond yields may adjust accordingly. The Broader Economic Impact Government bond yields often serve as benchmarks for other borrowing costs. When yields rise, consumers and businesses may encounter higher rates on mortgages, corporate loans and other forms of financing. Governments are affected too. Refinancing existing debt at higher rates can increase interest expenses and place additional pressure on public budgets. Rising bond yields may also influence the stock market. When government bonds offer more competitive returns, investors may become more selective about taking on the additional risk associated with equities. Higher yields can also affect company valuations because future earnings are discounted at a higher rate. What Investors Should Watch Higher yields can create both risks and opportunities. Bonds may offer more attractive income than they have in recent years, but existing bond prices can decline when market interest rates rise. Stocks may also experience increased volatility as investors reassess economic growth, inflation and relative valuations. The rapid rise in yields across multiple countries shows that this is not limited to one economy. Investors may want to monitor inflation trends, central bank decisions, government borrowing and changes in the yield curve as they evaluate their portfolios. Maintaining a diversified investment strategy aligned with personal goals, risk tolerance and time horizon remains especially important as global interest-rate conditions continue to evolve. Source: Visual Capitalist, “Ranked: Countries Where Bond Yields Are Rising Fastest”. Market data as of September 15, 2026. https://www.visualcapitalist.com/ranked-where-government-bond-yields-are-rising-the-fastest/ [...] Read more...
September 22, 2026Weekly Market Recap: Fed Raises Rates as Growth Stocks Outperform The Federal Reserve unanimously approved its first benchmark interest-rate increase since 2023. The decision represents a shift in monetary policy following the earlier cycle of rate increases used to address the sharp rise in inflation after the pandemic. Updated projections indicate that most Federal Reserve policymakers expect at least one additional quarter-percentage-point increase before year-end. Investors will continue watching inflation, employment and economic-growth data for clues about the timing of the Fed’s next move. U.S. Dollar Moves Higher The U.S. dollar strengthened following the Federal Reserve’s announcement, reaching its highest level relative to a basket of major currencies since late July. The dollar gained approximately 1.1% for the week, bringing its year-to-date increase to around 2.0%. Higher U.S. interest rates can make dollar-denominated assets more attractive to international investors, providing additional support for the currency. A stronger dollar may benefit American consumers purchasing imported goods or traveling internationally. However, it can also create challenges for U.S. companies that generate significant revenue overseas because foreign earnings may translate into fewer dollars. Short-Term Treasury Yields Rise Treasury yields generally moved higher as bond prices declined following the Fed’s decision. The largest increase occurred among shorter-term securities, which tend to respond more directly to changes in monetary policy. The 2-year Treasury yield ended the week at 4.76%, rising from 4.63% the previous Friday. The 10-year Treasury yield edged higher to 5.01%, while the 30-year yield finished slightly lower at 5.33%. The larger increase in short-term yields caused the yield curve to flatten. This movement reflects expectations that interest rates may remain elevated while investors continue assessing the longer-term outlook for inflation and economic growth. Growth Stocks Lead the Week Large-cap growth stocks outperformed their value-oriented counterparts by a considerable margin. The growth benchmark gained approximately 0.9% during the week, while the comparable value index declined about 1.1%. Growth companies can be sensitive to changing interest rates because much of their value is based on expectations for future earnings. Despite the week’s performance, value stocks continued to hold an advantage for the year. What Investors May Be Watching The Federal Reserve’s future decisions will likely depend on incoming economic data. Investors will be paying close attention to inflation readings, labor-market conditions, consumer spending and corporate earnings. With interest rates, Treasury yields and equity leadership continuing to shift, maintaining a diversified investment strategy may help investors remain focused on their long-term objectives rather than short-term market movements. Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
September 19, 2026What History Tells Us About Stocks After a Fed Rate Hike The Federal Reserve raised interest rates by a quarter percentage point in September, putting renewed attention on what higher rates could mean for the stock market. While every economic cycle is different, history can provide some perspective on how equities have behaved following the beginning of previous Federal Reserve tightening cycles. The First Few Months Can Be Bumpy Looking back at six Federal Reserve tightening cycles since 1994, the S&P 500 has often experienced some short-term weakness after the first rate increase. Historically, stocks tended to struggle during the first several months following an initial hike. On average, returns remained negative through approximately the first four months before improving around the five- to six-month mark. That pattern is worth noting because an interest-rate increase can initially create uncertainty for investors. Higher borrowing costs can affect businesses, consumers, corporate profits and market valuations. However, short-term volatility hasn’t necessarily translated into poor longer-term stock performance. The 12-Month Picture Has Often Been Stronger Across the six tightening cycles examined, the S&P 500 produced an average 12-month return of approximately 6.7% following the initial rate increase. The median return was even higher, at approximately 10.7%. Those averages include very different economic environments, which illustrates an important point: interest rates are only one factor influencing market performance. Economic growth, inflation, employment, corporate earnings and investor expectations can all play significant roles in determining how stocks respond. Not Every Rate-Hike Cycle Looks the Same Two historical periods demonstrate just how different the market’s reaction can be. In 2022, stocks faced a particularly difficult environment as inflation surged and the Federal Reserve aggressively raised interest rates. The S&P 500 experienced significant declines as investors weighed sharply higher borrowing costs and growing concerns about a potential recession. The late 1990s presented a much different story. Following an initial rate increase in 1997, stocks continued climbing amid strong economic growth and enthusiasm surrounding emerging internet technology. The S&P 500 ultimately posted a substantial gain during the following 12 months. Neither period provides a perfect roadmap for today’s market, but together they demonstrate why the economic environment surrounding a rate increase matters. Economic Fundamentals Remain Important A Federal Reserve rate hike doesn’t automatically signal trouble for stocks. Historically, markets have been better able to absorb higher rates when economic growth remained healthy and recession risks stayed contained. Conversely, tighter monetary policy can create greater challenges when higher rates coincide with deteriorating economic conditions. For investors, this means the direction of interest rates is only part of the picture. Employment trends, inflation, economic growth, corporate earnings and consumer activity may provide important clues about whether businesses and households can continue adapting to higher borrowing costs. Keeping Rate Moves in Perspective Periods surrounding Federal Reserve decisions can create additional market volatility, especially as investors adjust expectations about inflation and future monetary policy. History suggests that stocks may experience some turbulence following an initial rate increase, but past tightening cycles have also shown that markets can regain their footing as investors turn their attention back toward economic growth and corporate fundamentals. Rather than reacting to a single Federal Reserve decision, investors may benefit from keeping interest-rate changes within the context of their broader financial goals, investment strategy and time horizon. Past performance does not guarantee future results, and every market cycle presents its own set of opportunities and risks.   SOURCE: https://www.lpl.com/research/blog/how-stocks-performed-historically-after-initial-fed-rate-hikes.html [...] Read more...

Funds

Enhanced 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