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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
January 10, 2025Wall Street Forecasts Green in 2025 Adam Turnquist | Chief Technical Strategist Last Updated: December 31, 2024 With additional content provided by Brian Booe, Associate Analyst, Research. As investors prepare to watch dazzling fireworks shows, shower in confetti, and sing “Auld Lang Syne” tonight, another stellar year for stocks will enter the history books. Back-to-back 20% annual gains, over 50 record highs, and limited drawdowns for the S&P 500 this year provide plenty for market watchers to celebrate. But as 2024 fades into the rearview mirror, expectations for the New Year take center stage. Strong corporate profits, easing monetary policy, and artificial intelligence investment and enthusiasm lifted the broader market this year. Nonetheless, as the calendar turns to 2025, the path of least resistance for stocks remains higher. With the economy holding up better than expected, inflation moving in the right direction (albeit at a slower pace than desired), and corporate earnings climbing to potential double-digit growth rates, Wall Street has significantly upped their 2025 forecasts for the S&P 500. While price targets currently range from 6,000 to 7,100, the average top-down Wall Street strategist price target for the S&P 500 has climbed to 6,614 from 5,548 back in October. This marks the highest quarterly rate of change since the data series began in 1999. Average Strategist Price Estimate Source: LPL Research, Bloomberg 12/30/24 Disclosure: All indexes are unmanaged and cannot be invested in directly. Past performance is no guarantee of future results. Estimates may not materialize as predicted and are subject to change. Expectations Versus Reality It is worth noting that price targets are fluid, shifting throughout the year and adjusting to the everchanging macro- and micro-economic environment. In recent years, analysts have underestimated the index each year since 2019, with one exception in 2022 when the benchmark shed 18% on a total return basis, according to our friends at FactSet. Most recently, bottom-up analysis price targets for the S&P 500 (established by aggregating analyst price targets of the S&P 500 components) in December 2023 were just above 5,100 for 2024. With the index trading above 5,900 at the last opening bell of the year, Wall Street underestimated the index by roughly 13%. However, longer-term trends indicate strategists tend to broadly lean optimistic. Analysts have overestimated year-end forecasts by an average of about 7% since 2004 and underestimated the S&P 500 in only seven of the last 20 years. Turning back to the year ahead, the 2025 aggregate forecast marks about a 10% premium to the S&P 500 — the most bullish forecast since 2022, ironically. Numeric estimates aside, the broad consensus is another positive year for stocks and gains at the sector level remaining widespread, with the bull market likely reaching its third anniversary in 2025. S&P 500 Price Estimates vs. Actual Source: LPL Research, Bloomberg 12/30/24 Disclosure: All indexes are unmanaged and cannot be invested in directly. Past performance is no guarantee of future results. Estimates may not materialize as predicted and are subject to change. Earnings Growth Also Expected to Continue On the earnings front, 2025 estimates for earnings per share (EPS) are expected to extend their climb. The average EPS estimate for the S&P 500 next year is $269, with the range of forecasts spanning from $254 to $282. Average estimates above the long-term average earnings growth rate near 10% indicate confidence in corporate America’s ability to continue growing profits despite the heightened tariff risks that have been dominating headlines as of late. Earnings per share for the index is set to end 2024 near $240, inside the December 2023 estimates range of $221 to $250 — although topping the average estimate of $233 for 2024. Conclusion LPL Research expects stocks to move modestly higher next year while acknowledging reasonable upside and downside scenarios. Investors will have to grapple with a market pricing in a lot of good news. Positive surprises that drove stocks higher in the last year may be more difficult to come by in the year ahead. On the upside, continued economic growth (no recession), an accommodative Federal Reserve, strong profits from corporate America, and fiscal and regulatory policy from the incoming administration that helps more than it hurts could help buoy equities. Downside scenarios involve re-accelerating inflation, higher interest rates, and geopolitical threats that do economic harm. The LPL Research fair-value range for the S&P 500 at year-end 2025 is between 6,275 and 6,375, with EPS of $260. From a tactical standpoint, we remain neutral towards equities, as strong corporate profits, hopes of lower taxes, and productivity gains are offset by stretched valuations and excessively bullish sentiment. LPL Research would like to wish all a very prosperous 2025! SOURCE: https://www.lpl.com/research/blog/wall-street-forecasts-green-in-2025-.html [...] Read more...
January 8, 2025  The World’s Top Companies by Revenue in 2024 Today, U.S. retail giants are the largest companies by revenue globally thanks to their international reach and the strength of the American consumer. Looking beyond the U.S., many of the world’s leading companies by this measure are in the energy sector. Notable heavyweights, such as Saudi Aramco and China National Petroleum, are predominantly state-owned with expansive global operations. This graphic shows the top companies by revenue worldwide, based on data from Fortune.   Ranked: The Top 35 Companies with the Highest Revenues Here are the world’s leading companies by annual revenues in 2024, including both public and private companies that report financial data: Rank Company Revenues (B) Country 1 Walmart $648.1 🇺🇸 U.S. 2 Amazon $574.8 🇺🇸 U.S. 3 State Grid $545.9 🇨🇳 China 4 Saudi Aramco $494.9 🇸🇦 Saudi Arabia 5 Sinopec Group $429.7 🇨🇳 China 6 China National Petroleum $421.7 🇨🇳 China 7 Apple $383.3 🇺🇸 U.S. 8 UnitedHealth Group $371.6 🇺🇸 U.S. 9 Berkshire Hathaway $364.5 🇺🇸 U.S. 10 CVS Health $357.8 🇺🇸 U.S.   Figures represent total revenues in companies’ fiscal years ending on or before March 31, 2024. Ranking in first overall is Walmart, the largest retailer and private employer in America. Every hour, Walmart generates nearly $74 million in revenue with an average of 255 million weekly store visits across its global customer base. The U.S. makes up 68% of total sales, with domestic revenues rising 36% since 2019. Amazon follows next in line, with $574.8 billion in revenues. Over the past five years, Amazon’s revenues have more than doubled, driven by cloud computing services, Amazon Prime, and advertising revenues. In 2025, Amazon plans to sell vehicles on its online marketplace in the U.S., further broadening its scope of products. In third place is State Grid, China’s massive state-owned utilities firm. Last year, the firm purchased two of Chile’s biggest electricity distributors and controls more than 50% of energy distribution across the country. Moreover, State Grid stands as the world’s largest copper buyer, given the metal’s vital role in power grid infrastructure. Like State Grid, state-owned Sinopec and China National Petroleum rank among the top companies by revenue driven by their significant oil production. In 2023, Chinese oil firms imported a record volume of discounted Russian crude oil, making it the country’s top supplier last year. Today, Sinopec is the largest oil refiner by capacity globally, at 5.2 million barrels per day, exceeding Exxon Mobil, at 4.5 million barrels daily. Source: https://www.visualcapitalist.com/the-worlds-top-companies-by-revenue-in-2024/       [...] Read more...
January 7, 2025Sector stories The past year saw wide disparities in U.S. equity performance at the sector level. Communication services and information technology were far and away the top performers for the second year in a row; in 2024, they generated total returns of 40.2% and 36.6%, respectively, according to S&P Dow Jones Indices. The materials sector posted the weakest result with a slightly negative return.   Earnings outlook As major U.S. banks prepare to open quarterly earnings season in mid-January, analysts expect that fourth-quarter earnings per share for all companies in the S&P 500 rose by an average of 11.9%, according to FactSet. Such an outcome would mark the highest year-over-year earnings growth rate since the fourth quarter of 2021.   As January goes … Historically, January’s stock market performance has been a strong indicator of what may be in store for the rest of the year. In fact, about 71% of the time since 1929, the S&P 500 has posted a positive return for the year after gaining ground in January or has gone on to post an annual loss when the market has declined in the first month, according to S&P Dow Jones Indices.   Jobs ahead A monthly labor market report due out on Friday will show whether a recently uneven trend in U.S. jobs growth extended into December. In November, the economy generated 227,000 new jobs—far above October’s weak result of 36,000 jobs but slightly below September’s 255,000 figure.   Source: https://www.jhinvestments.com/weekly-market-recap#market-moving-news [...] Read more...
December 27, 20242025 outlook—resist turning up the volume At the risk of stating the obvious, 2024 has been a banner year for financial markets. Is it reasonable for investors to expect the positive sentiment to continue into the new year? As we reflect on 2024 and head into the new year, investors have a lot to be cheerful about. We’ve just potentially witnessed one of the best two-year returns for U.S. stocks in history—the last period the S&P 500 Index posted back-to-back 25%+ total annual gains was in the late 1990s. Notably, outsize gains have been driven by rising valuations rather than earnings growing; in fact, the trailing 12-month  earnings per share for the S&P 500 Index now stands at $212, below the 2022 high of $215.¹ It’s certainly possible that equities could continue to rally on the back of multiple expansion—the highest forward price-to-earnings ratio of the last 30 years was 24.1x, meaning we’re about 9% from the 30-year high; however, we’ve already come a long way, leaving less valuation upside available in stocks. Adding to the challenge, the 2025 earnings growth estimate for the S&P 500 Index is, in our view, elevated at nearly 15%.1 Against this backdrop, we suggest that investors resist turning up the volume in portfolios in 2025 by fading recent gains in speculative, lower-quality areas and instead emphasize higher-quality parts of the market that are trading at reasonable valuations. Managing valuation risk with U.S. mid-cap equities To mitigate valuation risk into next year, investors will likely need to have a more dedicated value tilt. Looking across the capitalization spectrum, we prefer a mid-cap equity bias to achieve this goal because it allows us to employ a quality-at-a-reasonable-price approach. A key theme we’ve been focusing on is the build-out of significant manufacturing capabilities across the U.S. Midwest, which has been driven by onshoring activity (supply chains moving to the U.S. from China and other parts of the world). We believe this manufacturing build-out is most beneficial to more U.S.-focused mid-cap companies, particularly those in the industrials sector. For context, this is a high-quality segment of the market that represents nearly 20% of mid-cap indexes. Crucially, this is a secular theme that investors aren’t overpaying for: Mid caps are trading at the steepest discount to their large-cap counterparts since the late 1990s.¹ U.S. mid caps are cheap vs. their large-cap counterparts, but the gap is likely to close Finding relative value in intermediate core-plus bonds Like equity investors, bond investors have been rewarded over the past two years by taking the greater risk, with the lowest-quality bonds in the credit spectrum seeing the biggest gains. Not only has elevated income contributed to total return within the credit space, but spreads have also compressed notably; in fact, U.S. high-yield bond spreads are now near their lowest levels in history, at 2.66% (the lowest level recorded in the last 30 years was in 2007, at 2.38%).¹ The overall yield on high-yield bonds is 7.4%, which looks relatively attractive when compared with equities; however, relative to investment-grade corporate bonds yielding 5.0% and mortgage-backed securities (MBS) at nearly 5.0%, investors aren’t really getting compensated for the additional credit risk that they’re taking when they invest in lower-quality bonds. Current high-yield bond spreads reflect very little risk To avoid unnecessarily turning up the volume in bond portfolios, we prefer intermediate core-plus-type mandates with greater exposure to investment-grade corporate bonds and MBS. Such an approach enables investors to target an attractive yield of roughly 5% while not being overexposed to high-yield bonds. “With equity valuations near all-time highs and credit spreads near all-time tights, we enter 2025 at a challenging starting point.” Tailwinds in infrastructure/utilities Another way investors can participate in markets without turning up the volume excessively is by considering an allocation to infrastructure, which remains our favorite category within the alternatives universe. We view alternative investments in two main buckets: return-seeking strategies (e.g., real estate, private equity, private credit, commodities, equity long/short) and risk-mitigating strategies (e.g., global macro, infrastructure, absolute return, systematic trend following, opportunistic fixed income). With risk assets likely not fully pricing in fundamental or macro risks, we believe that incorporating risk-mitigating options will become increasingly important going into 2025. One of our preferred areas in this category is infrastructure. Exposure to infrastructure allows investors to take advantage of positive structural trends in the utilities and industrials sectors as demand for power and significant investment in electric vehicle and semiconductor production in the United States has accelerated meaningfully amid the AI revolution. Notably, both sectors have seen earnings growth estimates outpace those of the S&P 500 Index. Listen to the music With equity valuations near all-time highs and credit spreads near all-time tights, we enter 2025 at a challenging starting point. While favorable earnings growth estimates and solid economic growth could enable risk assets to continue to rally, it’s important to acknowledge the significant amount of value that’s already been unlocked in these parts of the market. It’s also notable that following the presidential election, markets have shifted gears and a speculative frenzy has taken hold in areas such as crypto and lower-quality/unprofitable growth stocks—a sign that investor sentiment is becoming increasingly positive, albeit one-sided. To help manage valuation risk into next year, we would look to higher-quality parts of the market that are still offering value, such as U.S. mid-cap stocks. We would also reduce credit risk and embrace the income—along with relatively lower risk—available in core and core-plus fixed-income strategies. While we want to keep the music playing by fully participating in the markets, it makes sense to resist the urge to turn up the volume in portfolios going into 2025. Source: https://www.jhinvestments.com/viewpoints/market-outlook/2025-outlook-resist-turning-up-the-volume [...] 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