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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 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...
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...

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