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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 16, 2026Rising Bond Yields: What’s Driving the Increase and What It Means for Investors October 15, 2026 U.S. Treasury yields have been climbing, raising questions about what higher interest rates could mean for the stock market and the broader economy. While rising yields often bring concerns about inflation, the latest increases appear to be driven by something different. According to recent analysis from Franklin Templeton, much of the increase in Treasury yields reflects higher inflation-adjusted interest rates, also known as real yields, rather than a significant rise in inflation expectations. What’s Behind Higher Treasury Yields? Over the past month, the 10-year Treasury yield increased approximately 45 basis points. Nearly all of that increase came from higher real yields, suggesting that inflation concerns are not the primary factor pushing borrowing costs upward. Several developments may be contributing to this trend, including stronger economic growth, changing expectations for Federal Reserve policy, and increased government borrowing. Longer-term factors may also be playing a role. Federal deficits, growing demand for investment in artificial intelligence and infrastructure, and the additional compensation investors require for holding longer-term bonds could keep yields elevated. How Does This Compare to 2022? The current bond market looks different from the environment investors experienced in 2022. At that time, inflation was a major contributor to rising Treasury yields. Today, inflation pressures are more subdued, even as borrowing costs continue to increase. Corporate earnings have also provided support for the stock market. Strong profit growth has helped improve stock valuations, giving equities some room to absorb higher interest rates. What Should Investors Watch? Although inflation may not be the biggest concern, higher real interest rates still present challenges. Rising borrowing costs can put pressure on businesses, consumers, and the housing market. Companies carrying significant debt may face higher financing expenses, potentially affecting profitability and future investment. Looking toward 2027, investors may need to watch for slowing economic growth and the possibility that corporate earnings fall short of expectations. The Bottom Line Higher Treasury yields don’t necessarily signal another inflation-driven market disruption. However, they can still influence economic growth, corporate earnings, and investment performance. For investors, understanding why interest rates are rising is just as important as watching how high they go. Keeping an eye on inflation, Federal Reserve policy, and corporate earnings will remain important as market conditions evolve. Source: Franklin Templeton Institute, Quick Thoughts: Bond Market Blues—Real or Inflationary?, October 8, 2026. https://www.franklintempleton.com/articles/en/2026/10/quick-thoughts-bond-market-blues-real-or-inflationary [...] Read more...
October 15, 2026Where you live can have a significant impact on your finances, and state taxes are an important part of that equation. From income and property taxes to sales taxes, the amount residents pay varies considerably across the country. A recent analysis published by Visual Capitalist highlights the differences in state and local tax burdens across the United States, revealing which states place the greatest financial demands on residents and which offer a lighter overall tax burden. Which States Have the Highest Tax Burdens? Hawaii leads the nation with an overall state and local tax burden of 13.30%, followed by New York at 12.39% and Vermont at 11.10%. New Mexico and Maine round out the five states with the highest burdens. At the opposite end, Alaska has the lowest overall burden at 4.92%, followed by New Hampshire at 5.38% and Tennessee at 6.21%. The national average stands at 8.43%, although the types of taxes contributing to that total differ from state to state. No State Income Tax Doesn’t Mean No Tax Burden States such as Florida, Texas, and Nevada are often recognized for having no individual state income tax. However, residents still contribute through property taxes, sales taxes, and other state and local taxes. For example, Florida’s overall tax burden is 6.27%, compared with 7.69% in Texas and 8.37% in Nevada. The differences also extend to neighboring states. Oregon relies heavily on income taxes, while Washington collects a greater share through sales and excise taxes. Despite their different approaches, their overall burdens are relatively close. Why State Taxes Matter for Financial Planning Understanding state tax differences can be valuable when evaluating your overall financial picture, particularly when considering retirement, relocation, or long-term investment goals. Taxes can affect disposable income, retirement distributions, and the amount available for saving and investing. A state with lower income taxes may offer certain advantages, but property taxes, living expenses, and other financial considerations should also factor into the decision. It’s also important to remember that statewide tax burden figures represent broad averages, not the exact amount an individual household will pay. Looking Beyond the Tax Rate Choosing where to live or retire involves more than comparing tax rates. Housing costs, access to services, lifestyle preferences, and long-term financial needs all play a role. For investors, understanding how taxes fit into the broader financial picture can help support better-informed decisions. Whether you’re planning for retirement, evaluating a move, or reviewing your financial strategy, considering the full impact of state and local taxes is an important part of the process.   Read More: https://www.visualcapitalist.com/mapped-tax-burden-by-state-in-2026/ [...] Read more...
October 14, 2026Elevated earnings Wall Street analysts maintained high expectations as major U.S. banks prepared to open quarterly earnings season. As of Friday, analysts surveyed by FactSet were forecasting an average third-quarter earnings growth rate of 29.6% for companies in the S&P 500. Such an outcome would mark the third consecutive quarter of earnings growth exceeding 25%.   Fed’s rate outlook Wednesday’s release of minutes from the latest U.S. Federal Reserve meeting showed that policymakers anticipate possibly raising interest rates again before year end. However, it was unclear how soon such a raise might come. At its meeting in mid-September, the Fed raised its benchmark rate for the first time since 2023. Its next policy meeting ends on October 28.   Record highs A strong start to the week lifted the S&P 500 and the NASDAQ to record highs on Tuesday. Neither index was able to push its record higher as the week progressed, but both finished around 1% higher overall, as did the Dow.   CPI report ahead A Consumer Price Index report scheduled for release on Wednesday will provide a major data point for the U.S. Federal Reserve ahead of its policy meeting late this month. The most recent CPI report released in September showed inflation at a 3.4% annual rate in August, unchanged from the previous month and still well above the Fed’s 2.0% target.   Read Full Article at: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
October 8, 2026Growth vs. Value: Why Traditional Investment Categories Are Changing The 2026 Russell index updates reveal an important shift in how stocks are classified, raising new questions about portfolio diversification and investment strategy. For decades, investors have relied on growth and value investing as two distinct approaches to building diversified portfolios. Growth stocks have traditionally represented companies with strong earnings potential, while value stocks have focused on businesses trading at relatively attractive valuations. However, recent changes in the U.S. stock market suggest that the distinction between these investment styles is becoming less defined. The 2026 Russell index reconstitution highlights how some of the nation’s largest technology companies are increasingly influencing both growth and value benchmarks, creating potential overlap in portfolios that investors may believe are diversified. Technology’s Growing Influence on Value Investing One of the most notable developments in the 2026 Russell index updates is the increasing presence of major technology companies within traditional value benchmarks. According to FTSE Russell, the combined market capitalization of the companies commonly referred to as the “Magnificent Seven” increased approximately 49% over the previous year, reaching $22.4 trillion. These companies—Apple, Microsoft, Nvidia, Amazon, Alphabet, Meta, and Tesla—have historically been associated with growth investing. Yet changing valuations and index methodologies have resulted in greater representation of these businesses within value-oriented indexes. By June 2026, Magnificent Seven stocks represented approximately 17.3% of the Russell 1000 Value Index, compared with no exposure a year earlier, according to research cited by John Hancock Investments. Technology’s overall weighting within the value index also increased, while exposure to traditionally value-oriented industries shifted. These developments demonstrate how investment benchmarks can evolve as market conditions, company fundamentals, and valuations change. Why Portfolio Overlap Matters Diversification remains one of the fundamental principles of investment management. By spreading investments across different companies, sectors, and investment styles, investors seek to reduce dependence on any single area of the market. However, owning separate growth and value funds does not necessarily guarantee meaningful diversification. When multiple funds hold many of the same large companies, investors may have greater exposure to certain stocks or sectors than they realize. For example, an investor holding both a large-cap growth fund and a large-cap value fund could have significant exposure to the same technology companies through each investment. While this overlap is not necessarily negative, it can increase concentration risk and reduce the diversification benefits originally intended. Understanding a fund’s underlying holdings is therefore becoming increasingly important. The Importance of Looking Beyond Investment Labels Investment categories provide a useful starting point for evaluating portfolio allocations, but they do not always tell the complete story. A fund categorized as value may contain companies traditionally associated with growth. Likewise, growth-oriented portfolios may include businesses with characteristics commonly associated with value investing. Rather than relying exclusively on fund classifications, investors and financial professionals may benefit from reviewing several factors: Sector exposure: Understanding how much of a portfolio is invested in technology, financials, industrials, and other industries. Individual holdings: Identifying companies that appear across multiple funds. Portfolio concentration: Evaluating whether a relatively small number of stocks account for a substantial portion of total investments. Investment objectives: Confirming that each allocation continues to support the portfolio’s long-term goals. Risk management: Monitoring how changing market conditions may influence portfolio performance. These considerations can provide a more complete picture of how investments work together. Active Management and Portfolio Strategy As market dynamics evolve, active portfolio management may offer additional flexibility in evaluating investment opportunities and managing risk. Unlike strategies designed to replicate an index, active managers can assess individual companies based on financial fundamentals, valuations, growth prospects, and their potential contribution to a portfolio. This flexibility may help managers respond to changing market conditions and address unintended concentrations or overlapping exposures. However, active management also involves costs and risks, and it does not guarantee better performance than passive investment strategies. Regardless of the approach, regularly reviewing portfolio composition can help investors determine whether their investments remain aligned with their financial objectives. A Changing Market Calls for Greater Awareness The 2026 Russell index changes reinforce an important lesson: investment categories are not fixed, and the composition of widely followed benchmarks can change significantly over time. As technology companies continue to influence multiple market segments, investors may need to pay closer attention to what their portfolios actually own rather than relying solely on traditional growth and value classifications. A well-constructed investment strategy considers more than fund names or investment styles. It evaluates underlying holdings, diversification, risk exposure, and long-term financial goals. The takeaway: Understanding what is inside a portfolio is just as important as understanding the investment strategy printed on its label. For investors and financial professionals, ongoing portfolio reviews can help identify potential concentration risks and support more informed investment decisions.   Read Full Article at: https://www.jhinvestments.com/viewpoints/etfs/when-value-starts-looking-more-like-growth [...] 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