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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
August 12, 2026The Growing Economic Gap Between the U.S. and Europe Over the past two decades, the economic paths of the United States and Europe have increasingly diverged. While both remain among the most important economic regions in the world, the U.S. has expanded at a considerably faster pace when measured by nominal gross domestic product (GDP). Two Economic Giants Take Different Paths In the years leading up to the 2008 global financial crisis, the size of the European and U.S. economies was much more comparable. Since then, however, the United States has experienced stronger economic expansion, creating a widening gap between the two. By 2026, the U.S. economy is projected to exceed $30 trillion in nominal GDP, reinforcing its position as the world’s largest individual economy. Europe remains an enormous economic force as well. Germany, the United Kingdom, France, Italy, Russia and Spain alone represent trillions of dollars in annual economic activity, while the continent as a whole accounts for roughly one-quarter of global economic output. What Has Driven Stronger U.S. Growth? Several long-term trends have contributed to America’s economic expansion. One of the most significant is the country’s leadership in technology. U.S.-based companies have played central roles in the growth of cloud computing, artificial intelligence, semiconductors, digital advertising and other rapidly expanding industries. The U.S. has also benefited from comparatively strong population growth, deep capital markets and a business environment capable of directing significant amounts of investment toward emerging industries. Europe, meanwhile, has faced a different set of challenges. Aging populations, slower productivity growth, energy disruptions and weaker growth among several of its largest economies have weighed on overall expansion. Germany, France and Italy, for example, are expected to record relatively modest real GDP growth in 2026, while some smaller Southern and Eastern European economies are projected to grow more quickly. Brexit Also Changed the Comparison Another factor affecting the numbers is the United Kingdom’s departure from the European Union. The UK remains one of Europe’s largest economies, but it is no longer part of the EU. That distinction matters when comparing historical figures because a chart measuring the EU rather than geographic Europe will show a significant structural change following Brexit. For this reason, it is important to distinguish between the European Union and Europe as a geographic economic region when evaluating long-term trends. Currency Movements Matter Nominal GDP comparisons expressed in U.S. dollars also come with an important limitation: exchange rates. When European currencies weaken against the dollar, Europe’s economic output appears smaller after being converted into U.S. dollars—even if the underlying economies have continued growing in their local currencies. As a result, a U.S.-dollar GDP comparison doesn’t tell the entire story about productivity, purchasing power or living standards. Measures such as GDP per capita and purchasing-power-parity-adjusted GDP can provide additional context when comparing economic well-being across regions. Europe Remains an Economic Powerhouse Despite slower growth in many of its largest economies, Europe remains one of the world’s most economically significant regions. Germany is projected to remain Europe’s largest economy in 2026, followed by the United Kingdom and France. Southern European economies such as Spain and Portugal are also showing stronger growth momentum than some of their larger northern counterparts. The larger story, however, is the growing economic strength of the United States. Over the past two decades, technology investment, population trends, productivity and capital formation have helped the U.S. economy expand more rapidly. Whether that advantage continues will depend on many factors, including productivity growth, artificial intelligence investment, demographics, trade policy, government spending and Europe’s ability to accelerate investment and innovation. For investors, the comparison is a reminder that the global economic landscape is constantly evolving—and that headline GDP figures are most useful when considered alongside the forces driving them. Read Full Article: https://www.visualcapitalist.com/europe-vs-usa-economy-gdp-2006-2026/ [...] Read more...
August 11, 2026Earnings juggernaut Profits continued to improve as earnings season entered its final stretch, with analysts now expecting the strongest growth rate since the second quarter of 2021. Second-quarter net income is expected to rise an average of 50.4% for companies in the S&P 500, based on reports already released as of Friday and forecasts for the relatively small number of firms that hadn’t yet reported, according to FactSet. In contrast, the projected earnings growth rate at the end of June was just 23.1%. Rate hike outlook In the wake of Friday’s weak jobs report, bond market trading reflected declining expectations for a U.S. interest rate increase at the mid-September U.S. Federal Reserve meeting. Friday’s trading in rate futures markets implied a roughly 42% probability that the Fed would lift its benchmark rate by a quarter-point, with a 58% prospect of the rate staying unchanged, according to CME FedWatch. Just a week earlier, prospects for a rate increase were at 67%.   Volatility eases An index that tracks investors’ expectations of short-term U.S. stock market volatility fell to the lowest level in seven months. The Cboe Volatility Index closed at 14.9 on Friday, down from a recent high of 20.7 reached on July 29.   CPI ahead A Consumer Price Index report scheduled for release on Wednesday will show whether a recent trend of moderating inflation extended into July. The most recent CPI report showed an annual rate of 3.5% in June—well below May’s figure of 4.2%, largely due to lower energy prices. Excluding energy and food prices, core inflation was 2.6% in June.   Read Full Article: https://www.jhinvestments.com/weekly-market-recap#market-moving-news       [...] Read more...
August 7, 2026Market Outlook: Key Themes Investors Are Watching in the Year Ahead Financial markets continue to navigate a complex environment shaped by evolving economic conditions, technological innovation, and global events. While uncertainty remains, investors may find opportunities by focusing on diversification, quality investments, and long-term strategies rather than reacting to short-term market swings. One of the biggest forces influencing today’s markets is the rapid expansion of artificial intelligence. As businesses continue investing in AI technologies, sectors tied to digital infrastructure, software, and innovation may benefit from long-term growth. However, not every company will experience the same success, making careful investment selection increasingly important. Interest rates also remain a major consideration. Although rates have stabilized compared to recent years, they are expected to stay higher than many investors became accustomed to during the previous decade. This environment creates new opportunities for income-producing investments while reinforcing the importance of balancing risk across a diversified portfolio. Global events—including geopolitical tensions, government spending, and inflation—continue to influence market performance. These factors may create periods of increased volatility, but they also highlight the value of maintaining a disciplined investment approach rather than attempting to time the market. For long-term investors, today’s environment reinforces several timeless principles: stay diversified, focus on quality investments, and regularly review your financial goals. While no one can predict exactly what markets will do next, maintaining a thoughtful strategy can help investors navigate changing economic conditions with greater confidence. Read Full Article: https://www.pgim.com/us/en/intermediary/insights/market-portfolio/outlooks [...] Read more...
August 6, 2026Which U.S. States Are Aging the Fastest? A Look at America’s Demographic Shift As the Baby Boomer generation continues to move into retirement, the age profile of the United States is changing rapidly. While every state is experiencing an increase in older residents, some are seeing much faster growth in their senior populations than others. States with strong retirement appeal, affordable living, or significant migration from older adults have experienced some of the largest increases in residents aged 65 and older over the past decade. In other cases, younger workers leaving rural communities have accelerated the aging of local populations. An aging population brings both opportunities and challenges. Communities may see increased demand for healthcare services, senior housing, transportation, and long-term care. At the same time, businesses and local governments may face workforce shortages as more experienced employees retire. Understanding these demographic trends is important for policymakers, employers, healthcare providers, and investors alike. Population changes influence everything from infrastructure planning and labor markets to housing demand and economic growth. Although some states already have a large percentage of older residents, others are aging more quickly because their senior population has grown at a faster rate in recent years. These shifting demographics will continue to shape state economies and communities for decades to come Read Full Article:  https://www.visualcapitalist.com/ranked-where-americas-fastest-aging-states/ [...] 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