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Trending ETFs

The E-Valuator Conservative/Moderate (30%-50%) RMS Fund

mutual fund
EVFTX
Payout Change
Pending
Price as of:
$10.87 -0.03 -0.28%
primary theme
U.S. Balanced Allocation
share class
EVFTX (Mutual Fund)

The E-Valuator Conservative/Moderate (30%-50%) RMS Fund

Payout Change
Pending
Price as of:
$10.87 -0.03 -0.28%
primary theme
U.S. Balanced Allocation
share class
EVFTX (Mutual Fund)

The E-Valuator Conservative/Moderate (30%-50%) RMS Fund

Payout Change
Pending
Price as of:
$10.87 -0.03 -0.28%
primary theme
U.S. Balanced Allocation
share class

Name

As of 12/10/2024

Price

Aum/Mkt Cap

YIELD

Annualized forward dividend yield. Multiplies the most recent dividend payout amount by its frequency and divides by the previous close price.

Exp Ratio

Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets.

Watchlist

$10.87

$29.7 M

2.06%

$0.22

1.55%

Vitals

YTD Return

9.4%

1 yr return

12.3%

3 Yr Avg Return

2.0%

5 Yr Avg Return

4.6%

Net Assets

$29.7 M

Holdings in Top 10

41.3%

52 WEEK LOW AND HIGH

$10.9
N/A
N/A

Expenses

OPERATING FEES

Expense Ratio 1.55%

SALES FEES

Front Load N/A

Deferred Load N/A

TRADING FEES

Turnover 273.00%

Redemption Fee N/A


Min Investment

Standard (Taxable)

$10,000

IRA

N/A


Fund Classification

Fund Type

Open End Mutual Fund


Name

As of 12/10/2024

Price

Aum/Mkt Cap

YIELD

Annualized forward dividend yield. Multiplies the most recent dividend payout amount by its frequency and divides by the previous close price.

Exp Ratio

Expense ratio is the fund’s total annual operating expenses, including management fees, distribution fees, and other expenses, expressed as a percentage of average net assets.

Watchlist

$10.87

$29.7 M

2.06%

$0.22

1.55%

EVFTX - Profile

Distributions

  • YTD Total Return 9.4%
  • 3 Yr Annualized Total Return 2.0%
  • 5 Yr Annualized Total Return 4.6%
  • Capital Gain Distribution Frequency Annually
  • Net Income Ratio 1.20%
DIVIDENDS
  • Dividend Yield 2.1%
  • Dividend Distribution Frequency SemiAnnual

Fund Details

  • Legal Name
    The E-Valuator Conservative/Moderate (30%-50%) RMS Fund
  • Fund Family Name
    E-Valuator funds
  • Inception Date
    May 26, 2016
  • Shares Outstanding
    N/A
  • Share Class
    R4
  • Currency
    USD
  • Domiciled Country
    US
  • Manager
    Kevin Miller

Fund Description

The Fund seeks to achieve its objective by investing, under normal market conditions, primarily in the securities of other unaffiliated investment companies, including open-end funds, exchange-traded funds (“ETFs”) and closed-end funds (collectively referred to as “Underlying Funds”). The Fund utilizes a risk-managed strategy (thus, the term “RMS” in the Fund’s name), which involves the allocation of invested assets across multiple underlying investments in a manner that attempts to limit fluctuations in annualized returns that would be commensurate to an investor seeking to experience very low volatility as measured by standard deviation. An investment’s volatility is commonly measured by standard deviation. Standard deviation provides the probable range of anticipated returns based on the performance fluctuations over previous time periods (1- year, 3-year, or 5-year). Investments with the lowest levels of standard deviation would be considered very conservative (less volatile), while investments with higher levels of standard deviation would be considered more growth oriented and aggressive in nature (more volatile). The strategy of this Fund is to keep the level of annual performance fluctuation within standard deviation parameters that would be suitable for a conservative/moderate investor. This is identified by standard deviations that are slightly greater than that of a conservative investor, but less than those of a typical moderate risk investor. Under normal circumstances, the Fund seeks to maintain a standard deviation between 4% to 6.5% over a 3-year timeframe or a 5-year timeframe.

The Fund allocates assets across three broad asset classes (money market, bonds, equities) in a manner that provides a high probability of meeting the standard deviation goals.

The Fund will generally allocate 50%-70% of its assets into a variety of Underlying Funds that focus on investments in fixed income securities (e.g., money markets and bonds) that possess varying qualities of credit and duration including high- yield securities (also referred to as “junk bonds”). The remaining 30%-50% of the Fund’s assets will generally be allocated to Underlying Funds that invest in equity securities that have the potential of providing dividends and growth on an annual basis. The equity allocation will be invested in Underlying Funds that invest in U.S. and foreign securities (including emerging markets securities) and that focus on investments without regard to market capitalization (i.e., investments may include securities of issuers that would be considered small, medium and/or large capitalization companies). The Fund identifies an emerging market security based on it being placed in the Diversified Emerging Market Equity category by Morningstar, Inc.

Systelligence, LLC (the “Adviser”) incorporates a “Core and Satellite” management philosophy with 20% to 80% of a category allocation invested in the “Core” holdings and the remaining amount investing in the “Satellite” holdings. A category allocation is the amount of assets to be allocated into an investment category. Morningstar, Inc. has created what the Adviser believes to be an industry standard of investment categories, which aid in the recognition of an investment’s underlying holdings, e.g., Intermediate Term Bond Category, Short Term Government Bond Category, Domestic Large Cap Stock Category, etc. The “Core and Satellite” management philosophy is synonymous with “Passive Management” and “Active Management,” respectively. The “Core” component pertains to the portion of the Fund’s asset allocation that is devoted to passive management. Passive management is considered a form of investment management whereby the allocation mirrors the allocation of a benchmark, or index. The Fund’s allocation to “Core” holdings is achieved by investing a portion of the Fund’s assets in Underlying Funds that attempt to replicate the performance of a common index (e.g., S&P 500®, Russell 1000, Bloomberg Barclays US Aggregate Bond Index, etc.) (that is, passively managed Underlying Funds). The Fund’s “Satellite” component pertains to the portion of the Fund’s asset allocation that is devoted to active management. Active management is considered a form of investment management whereby the allocation is driven by security selection and trading with an overriding goal of outperforming a stated index, or benchmark. The Fund’s allocation to “Satellite” holdings is achieved by investing a portion of the Fund’s assets in actively managed Underlying Funds. By constructing the Fund’s portfolio with Core and Satellite holdings, the Adviser is blending two management philosophies in an effort to capture the returns of the market indexes through Core holdings, while also seeking to enhance the overall performance of the Fund with Satellite holdings, and thus attempting to deliver above average performance.

The Adviser selects the Fund’s “Core” holdings by first arriving at an asset allocation across three broad asset classes (money market, bonds, and equities) that the Adviser believes provides the highest probability of meeting the stated volatility goals. Once this broad asset allocation is determined, the second decision is to determine the allocations within each of the aforementioned broad asset classes. For instance, once the allocation percentage into equities has been determined, the next step would be to identify the amount allocated between foreign and domestic equities. Once this has been determined, the next decision is to determine the allocation into large companies, medium sized companies, and small companies within each equity sub-group. When the allocation based on company size has been determined, the Adviser will dedicate a portion of that allocation into passive management, i.e. index, also referred to as “Core”. Likewise, the Adviser will allocate a portion of the allocation into active management, also referred to as “Satellite”.

The Adviser allocates the Fund’s assets with respect to Satellite holdings among the Underlying Funds by utilizing proprietary quantitative-based models in which an Underlying Fund must meet a performance criteria of outperforming the average of its peer group by a minimum of 10% across multiple timeframes (1 month, 3 months, 6 months, 1 year, 2 years, 3 years, and 5 years) to be considered a potential (or remain as an existing) investment in the Fund. The emphasis of each timeframe in the overriding analysis is determined through a proprietary weighting process that enables the Adviser to place more emphasis on varying timeframes through a variety of market cycles. The Adviser’s asset allocation to both the Core and Satellite components of the Fund will generally be rebalanced when an allocation dispersion exceeding +/- 10% is experienced. For instance, if an Underlying Fund’s allocation of the Fund’s total assets equals 15%, then the Adviser would rebalance if/when this investment’s allocation exceeded 16.5% of the Fund’s total assets (110% x 15% = 16.5%), or if/ when this Underlying Fund’s allocation as a percent of the Fund’s total assets drops to less than 13.5% (90% x 15% = 13.5%).

Based on technical analysis of economic and market conditions, the Adviser may, from time to time, allocate up to 5% of the Fund’s net assets to investments in ETFs that are tied to the performance of the broad equity markets as measured by such indices as the S&P 500® Index. These ETFs may include leveraged and inverse ETFs, which are used to manage volatility. A long-position in ETFs would reflect the Adviser’s assessment that the markets are moving in an upward direction. Whereas, an inverse position would reflect an assessment by the Adviser that the markets are generally moving downward. Depending upon the strength of the indicators in the Adviser’s technical analysis, the Adviser may allocate to ETFs that are leveraged and would thus anticipate a multiple (e.g., 2X) of the performance of the market in either an upward or downward direction. Due to the growth or decline in any allocation to this type of position, the Adviser’s asset allocation will be rebalanced when an allocation dispersion exceeding +/- 10% is experienced.

The Adviser sells or reduces the Fund’s position in an Underlying Fund when the Underlying Fund’s performance begins to lag the average of its respective peer group by 10% or more, and has done so for an average of 3-months or more. These performance tolerance standards are applied to multiple timeframes, i.e., 1-month, 3-month, 6-month, 1-year, 2-year, 3-year, and 5-year timeframes. These settings are subject to change as market conditions warrant.

The Fund may engage in frequent and active trading within both its Core and Satellite components in order to achieve its investment objective.

The Fund may invest in Underlying Funds that utilize derivatives such as put and call options on stocks and stock indices, and index futures contracts and options thereon, which can be more sensitive to changes in interest rates or to sudden fluctuations in market prices than conventional securities. The Underlying Funds may utilize derivatives to, among other things, seek to enhance return, to hedge some of the Underlying Fund’s investments or as a substitute for a position in the underlying asset. Additionally, some of the Underlying Funds may invest directly or indirectly in physical commodities, such as gold, silver, and other precious materials.

The Fund may, from time to time, focus its investments in a particular industry or sector for the purpose of capitalizing on performance momentum in that industry or sector due to significant changes in market conditions, economic conditions, geopolitical conditions, etc., as well as to reduce downside exposure to significant changes in conditions such as market, economic or geopolitical.

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EVFTX - Performance

Return Ranking - Trailing

Period EVFTX Return Category Return Low Category Return High Rank in Category (%)
YTD 9.4% -2.1% 80.7% 90.91%
1 Yr 12.3% -0.8% 87.8% 92.52%
3 Yr 2.0%* -4.2% 23.0% 83.66%
5 Yr 4.6%* -2.6% 23.3% 91.44%
10 Yr N/A* 1.2% 14.4% 92.88%

* Annualized

Return Ranking - Calendar

Period EVFTX Return Category Return Low Category Return High Rank in Category (%)
2023 5.8% -12.2% 23.9% 79.97%
2022 -12.9% -34.7% 2.8% 8.98%
2021 -7.5% -11.9% 18.1% 98.61%
2020 12.1% -20.9% 39.7% 14.54%
2019 15.5% 0.8% 25.7% 30.45%

Total Return Ranking - Trailing

Period EVFTX Return Category Return Low Category Return High Rank in Category (%)
YTD 9.4% -2.1% 80.7% 90.91%
1 Yr 12.3% -0.8% 87.8% 92.52%
3 Yr 2.0%* -4.2% 23.0% 83.66%
5 Yr 4.6%* -2.6% 23.3% 91.44%
10 Yr N/A* 1.2% 14.4% 92.09%

* Annualized

Total Return Ranking - Calendar

Period EVFTX Return Category Return Low Category Return High Rank in Category (%)
2023 8.8% -12.2% 26.8% 90.13%
2022 -11.5% -29.0% 10.9% 21.86%
2021 4.1% -3.0% 27.3% 97.22%
2020 12.9% -19.5% 40.6% 48.47%
2019 16.8% 2.2% 32.7% 81.53%

NAV & Total Return History


EVFTX - Holdings

Concentration Analysis

EVFTX Category Low Category High EVFTX % Rank
Net Assets 29.7 M 861 K 235 B 94.74%
Number of Holdings 65 2 16143 47.57%
Net Assets in Top 10 12.7 M 859 K 66.9 B 94.99%
Weighting of Top 10 41.27% 10.8% 122.7% 57.29%

Top 10 Holdings

  1. Dodge Cox Global Bond Fund - Class I 5.98%
  2. Vanguard Emerging Markets Bond Fund, Admiral Shares 5.97%
  3. Vanguard Core Bond Fund, Admiral Shares 4.47%
  4. Nuveen Emerging Markets Debt Fund - Class R6 4.01%
  5. DFA Diversified Fixed Income Portfolio - Class Institutional 3.99%
  6. Gabelli U.S. Treasury Money Market Fund - Class AAA 3.57%
  7. VanEck IG Floating Rate ETF - Class USD INC 3.50%
  8. iShares Yield Optimized Bond ETF - Class USD INC 3.50%
  9. SPDR Portfolio Short Term Corporate Bond ETF - Class USD INC 3.29%
  10. Franklin Senior Loan ETF - Class USD INC 3.00%

Asset Allocation

Weighting Return Low Return High EVFTX % Rank
Cash
4.38% -7.92% 100.00% 22.83%
Convertible Bonds
1.40% 0.00% 23.84% 14.09%
Stocks
0.00% 0.00% 100.10% 97.50%
Preferred Stocks
0.00% 0.00% 24.59% 66.42%
Other
0.00% -42.55% 113.97% 70.69%
Bonds
0.00% 0.00% 75.29% 79.53%

EVFTX - Expenses

Operational Fees

EVFTX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Expense Ratio 1.55% 0.03% 27.98% 21.23%
Management Fee 0.45% 0.00% 1.83% 51.75%
12b-1 Fee 0.25% 0.00% 1.00% 38.50%
Administrative Fee N/A 0.01% 0.83% N/A

Sales Fees

EVFTX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Front Load N/A 2.25% 5.75% N/A
Deferred Load N/A 1.00% 5.00% N/A

Trading Fees

EVFTX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Max Redemption Fee N/A 0.00% 2.00% N/A

Related Fees

Turnover provides investors a proxy for the trading fees incurred by mutual fund managers who frequently adjust position allocations. Higher turnover means higher trading fees.

EVFTX Fees (% of AUM) Category Return Low Category Return High Rank in Category (%)
Turnover 273.00% 0.83% 343.00% 98.74%

EVFTX - Distributions

Dividend Yield Analysis

EVFTX Category Low Category High EVFTX % Rank
Dividend Yield 2.06% 0.00% 17.90% 29.97%

Dividend Distribution Analysis

EVFTX Category Low Category High Category Mod
Dividend Distribution Frequency SemiAnnual Annual Monthly Monthly

Net Income Ratio Analysis

EVFTX Category Low Category High EVFTX % Rank
Net Income Ratio 1.20% -2.34% 13.92% 47.68%

Capital Gain Distribution Analysis

EVFTX Category Low Category High Capital Mode
Capital Gain Distribution Frequency Annually Annually Annually Annually

Distributions History

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EVFTX - Fund Manager Analysis

Managers

Kevin Miller


Start Date

Tenure

Tenure Rank

May 26, 2016

6.02

6.0%

Kevin Miller, Chief Executive Officer and Portfolio Manager of the Adviser, served as a portfolio manager to the Predecessor Fund since its inception on May 26, 2016 and is primarily responsible for the day-to-day management of the Fund. Mr. Miller created and began managing risk managed strategies for individual and corporate clients in 1997. His philosophy is grounded on the ability to maintain an independent perspective. Asset allocations of each Risk Managed Strategy are focused on the prudent, industry accepted standards toward volatility that is suitable to investors of varying risk temperaments. In 2012, Kevin successfully launched a series of Risk Managed collective investment funds that provided investment management services to thousands of investors. As the representative of the sub-advisor to the collective funds that were the predecessor funds to the Funds, Mr. Miller practiced the concept of selecting managers that have below average expense ratios, with below average volatility, and consistently above average returns relative to the average of their respective peers (per Morningstar, Inc.) is the recipe to Mr. Miller’s success. Mr. Miller was working with clients (individuals and corporations) as an investment advisor representative of Intervest International, Inc. since February 2006 assisting with the proper selection of money managers and asset allocation in a suitable manner to each client’s risk temperament. Prior to this, Mr. Miller was a registered representative with Intervest International Equities Corp. since November 1986.

Tenure Analysis

Category Low Category High Category Average Category Mode
0.08 34.51 6.39 2.41