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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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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
November 29, 2024Ranked: The World’s 30 Largest Exporters As protectionism continues to rise around the world, global trade flows are adapting. Despite facing a wave of tariffs, China’s goods exports show resilience. In 2023, China’s export volumes neared all-time highs as the price of its manufactured exports fell 10%, on average. Overall, the world’s largest exporter delivered $500 billion in goods to America last year, but this could drastically change under the Trump administration. This graphic shows the largest exporters in the world, based on data from the World Trade Organization.   The 30 Countries That Export the Most Goods Last year, global exports of goods totaled $23.8 trillion, declining by 5% compared to 2022. Overall, the dollar value of exports dropped across 20 of the top 30 largest exporters in the world as the number of trade restrictions rose to almost 3,000 worldwide—approximately fivefold levels seen in 2015. Rank Country Global Share 2023 (%) Value (B) 1 🇨🇳 China 14.2 $3,380 2 🇺🇸 U.S. 8.5 $2,020 3 🇩🇪 Germany 7.1 $1,688 4 🇳🇱 Netherlands 3.9 $935 5 🇯🇵 Japan 3.0 $717 6 🇮🇹 Italy 2.8 $677 7 🇫🇷 France 2.7 $648 8 🇰🇷 South Korea 2.7 $632 9 🇲🇽 Mexico 2.5 $593 10 🇭🇰 Hong Kong 2.4 $574 World 100 $23,784   As the table above shows, China exported $3.4 trillion in goods, exceeding America by nearly $1.4 trillion. The last time America was the world’s top exporter was in 1979, but since then it has experienced a widening trade deficit. However, energy exports, America’s top export, have largely shifted from a deficit to a surplus over the past decade. In 2023, the U.S. achieved a $65 billion net energy surplus, strengthening its trade balance. A significant rise in domestic energy production has shielded the nation from oil price shocks, like those triggered by the Russia-Ukraine war, which severely impacted European economies. Germany, the third-largest overall, saw goods exports increase by a slight 1%, even as the economy was contracting. The industrial-heavy economy was particularly hit by rising oil prices, as several firms paused production due to the spike in energy prices. In 2023, the country exported $160 billion in goods to America, its largest export market. However, exports to the U.S. could decline as much as 15% if Trump’s proposed tariffs come into effect. The automotive and pharmaceutical sectors would be hit the hardest, declining 32% and 35%, respectively.   Source: https://www.visualcapitalist.com/the-worlds-largest-exporters-of-goods/ [...] Read more...
November 26, 2024Small-cap surge Rallies on Thursday and Friday for a U.S. small-cap stock benchmark, the Russell 2000, pushed the index to a weekly return of 4.5%—a result that offset the previous week’s 4.0% decline. Even with the earlier setback, the Russell 2000’s month-to-date gain for November was nearly 10% as of Friday’s close, owing in part to a small-cap surge just after this month’s U.S. election.   Value beats growth A U.S. large-cap value stock benchmark significantly outpaced its growth counterpart, eroding some of the growth style’s year-to-date performance advantage. The value index posted a 2.5% return for the week versus 1.7% for the growth benchmark.   Consumer sentiment slips The first postelection reading from a gauge that tracks U.S. consumer sentiment showed a modest downturn relative to a preliminary reading from a consumer survey done the day before the November 5 vote. Friday’s final reading from the University of Michigan’s Consumer Sentiment Index showed the gauge slipping to 71.8 from the 73.0 preliminary figure.   Earnings scorecard With nearly all third-quarter results in as of Friday, companies in the S&P 500 are expected to post an average earnings gain of 5.8% over the same quarter a year earlier, according to the latest data from FactSet. If that positive result holds, it would mark the index’s fifth consecutive quarter of year-over-year earnings growth.   Source: https://www.jhinvestments.com [...] Read more...
November 21, 2024Don’t Forget the Lags In our lifetimes, the best comparison for Trump’s election win is Ronald Reagan’s in 1980. That election, like this one, pitted big spenders and champions of government against tax cutters and critics of government. It is pretty clear that markets approved of both winning campaigns as they were happening. Leading up to the election in 1980, like this year, the S&P 500 rallied as it became clearer that Reagan (like Trump) was likely to win. The market also rallied in the days following the election because markets like tax cuts, deregulation, and restrained government. And, at the same time, the policies the markets didn’t like – such as a tax on unrealized capital gains – were now dead. But after being euphoric at the outcome of the election in 1980, reality set in. Paul Volcker was fighting inflation with tight money, a recession was inevitable and tax cuts took time to pass. The S&P 500 fell in 1981 and in the first eight months of 1982 before the Reagan bull market really started. History doesn’t repeat itself, but at times it rhymes. And while there are similarities between today and 1981, there are also some key differences. For example, the Federal Reserve is now cutting interest rates, not raising them. However, there are some big differences that investors need to pay attention to. First, in October 1980, the Price-Earnings ratio of the S&P 500 was 8.6. In October 2024, the PE ratio was 27. In other words, while the market may appreciate better policies, it sure looks like they are already priced in. Moreover, while Trump is selecting his cabinet rapidly and his team has likely already done the homework needed to move fast on executive orders that can boost growth, much of the real work will take time. It appears Congress wants to move fast, but it is still Congress and that means it’s messy. Reagan cut tax rates across the board, Trump plans to maintain most current tax rates with some small changes, and promised to eliminate taxes on tips, social security, and overtime. These tax cuts are welcome, but they are not true supply-side tax cuts…the ones that boost entrepreneurship and innovation. The really powerful potential of the Trump plans will come from DOGE, the Department of Government Efficiency, where Musk and Ramaswamy plan on proposing big cuts to the fourth branch of government – the Bureaucrats. Every regulation that they can cut, every bureaucrat that they can keep from gumming up the private sector, will boost productivity. But in addition to cutting red tape, the US must cut the absolute size of government. John Maynard Keynes wanted deficit spending ended after a crisis was over. But, after both the Panic of 2008 and COVID, the US kept spending elevated. Government spending has risen from 19.1% of GDP in 2007 to 23.4% this year. Government is a ball and chain on the economy. We estimate that every one percentage point increase of spending as a share of GDP reduces underlying real GDP growth by 0.2%. Every dollar the government spends is taken from the private sector, and the government taxes and borrows nearly 5% more of GDP today than it did seventeen years ago. From 1990 through 2007, real GDP grew 3% per year. From 2008 through the second quarter of 2024, real GDP has only grown 2% per year. No wonder “the economy” was the #1 factor for Americans in this election. Two percent annual growth is stagnation. And this shouldn’t be happening according to fans of big government. Economists like Mark Zandi and Paul Krugman support government spending and argue that it has a positive multiplier ($1 of government spending creates more than $1 of GDP). Add this to the fact that the US has invented unbelievably productive new technologies in the last 17 years, and the economy should be booming. Especially with the Fed holding rates at zero for nine of those years. But it hasn’t, and the reason is that government is just too darn big. Cutting government spending is a double-edged sword. Half of all job growth in the past year has been in government jobs directly, as well as healthcare which is dominated by government. Taking away that spending will initially slow job growth, but, with a lag, eventually boost economic activity. In other words, the Trump Administration has a chance to boost underlying economic growth rates, and that would be extremely positive for living standards and equity values over the long-term. But initially, it may result in slower growth. The US had a car wreck with COVID. Easy money from the Fed and big deficits were like morphine. The US is addicted to short-term fixes that do nothing to boost long-term growth. Withdrawal from the pain killers hurts, but is necessary to get truly healthy. While we are extremely positive about the long-term benefits of policy changes, like under Reagan, weaning the US from massively easy fiscal policies does not guarantee overnight success. It will take time, and the US will come through to the other side stronger. The entire world will benefit…with a lag. Click here to read more: [...] Read more...
November 20, 2024                                              Ranked: U.S. States vs. G7 Countries by GDP per Capita This graphic charts the GDP per capita of G7 countries against select U.S. states. Why compare states vs G7? By going down to the state level we account for differences in population and aggregate demand which can mask output inequalities between the U.S. and its peer economies. Data for this graphic is sourced from the International Monetary Fund (IMF), Bureau of Economic Analysis, and the Census Bureau, as of 2023. The American Economic Dream is Only Gathering Steam The United States is outpacing the rest of the G7 in terms of productivity. And this is true at a state level as well. Mississippi, the state with the lowest GDP per capita, is still wealthier than four G7 countries. Rank U.S. State / G7 Member GDP per Capita 1 🇺🇸 Washington D.C (Richest State*) $259,954 2 🇺🇸 New York (Second-Richest State) $110,980 3 🇺🇸 Massachusetts (Third-Richest State) $105,164 4 🇺🇸 U.S. Average $81,600 5 🇺🇸 Arkansas (Third-poorest State) $58,220 6 🇺🇸 West Virginia (Second-poorest State) $57,710 7 🇨🇦 Canada $54,900 8 🇩🇪 Germany $52,730 9 🇺🇸 Mississippi (Poorest State) $51,420 10 🇬🇧 UK $49,100 11 🇫🇷 France $46,000 12 🇮🇹 Italy $38,330 13 🇯🇵 Japan $33,810                                 Note: *U.S. territory in this case Meanwhile, West Virginia, with the second-lowest per capita GDP, surpasses all six of the other G7 nations. These massive gaps in output could be surprising for those not paying attention. The U.S. economy has surged since the pandemic, with its GDP per capita increasing by $20,000 between 2020 and 2024—a growth none of the other G7 countries have matched, even when going all the way back to 2010. Of course these last four years have also seen record inflation, and a strengthening U.S. dollar, affecting these numbers. G7 Country GDP per Capita in 2010 GDP per Capita in 2024 % Change 🇺🇸 U.S. $48,590 $86,600 +78% 🇨🇦 Canada $47,630 $53,830 +13% 🇯🇵 Japan $45,140 $32,860 -27% 🇩🇪 Germany $43,230 $55,520 +28% 🇫🇷 France $42,200 $48,010 +14% 🇬🇧 UK $39,640 $52,420 +32% 🇮🇹 Italy $35,960 $49,290 +37%                   Nevertheless, there’s no denying America is staying ahead of its rivals. And there’s a lot of factors to its success story in the last two decades, as this article from The Economist covers well. A combination of the shale oil revolution in the 2000s, tech sector boom in the 2010s, and pandemic stimulus in 2020 have kept growth steady, even while Europe, Canada, and Japan have struggled. Adding to this: a vast consumer and capital market, integrated labor pool, and hegemony on the world’s best universities is keeping the flywheel of growth spinning. SOURCE: https://www.visualcapitalist.com/ranked-u-s-states-vs-g7-countries-by-gdp-per-capita/#google_vignette [...] Read more...

Funds

Aggressive 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