LifeGoal Investments

Home Down Payment Investment ETF
[Ticker: HOM]

  • Future Home Purchase
  • Risk Managed
  • Diversified
  • Targeting Dividends

Fund Goals

LifeGoal Home Down Payment Investment ETF (ticker: HOM) is a low cost, diversified ETF built to show people exactly what dollars they have set aside for a down payment for an upcoming home purchase- all while having those dollars professionally invested.

  • Investment Goal: Seek to provide current income and some capital appreciation.
  • Active Management: The managers use research and analysis in an effort to determine which bonds and stocks from around the world will produce the most favorable outlook for achieving the intended investment goal.
  • Environmental Social Governance: The managers will consider ESG in all aspects of the investment process.
  • Design: Generally will be about 25% stocks (higher risk) and 75% bonds (lower risk).
  • Innovative Component: In an effort to help offset any increase in the costs of housing, the ETF will have modest exposure to stocks in areas like furniture companies, appliance companies, home builders, lumber companies, etc.
  • Management Fees: $3.40 annually per $1,000 investment.
Risk Score

Top Individual Stock Holdings As of 03/31/2023
Name % Of Net Assets
Newmont 2.15%
Home Depot 1.09%
Chevron 1.05%
Lowe's 1.01%
Lennar Corp B 0.86%
Owens Corning 0.84%
Toll Brothers 0.83%
Walmart 0.82%
DR Horton 0.77%
PulteGroup 0.73%

Holdings are subject to change

Dividend Yield 3.20%
30-Day SEC Unsubsidized Yield: -4.25%
(As of 04/30/2023)

Diversified Portfolio As of 03/31/2023

Holdings are subject to change

Top Bond ETF Holdings As of 03/31/2023
Name % Of Net Assets
Vanguard Intermediate-Term Corporate Bd ETF 16.93%
iShares Mortgage Bonds ETF 14.1%
Schwab U.S. TIPS ETF ETF 12.38%
Vanguard Intermediate-Term Treasury ETF 5.92%
Vanguard Emerging Market Bond ETF 9.59%

Holdings are subject to change

Top Stock ETF Holdings As of 03/31/2023
Name % Of Net Assets
iShares Core Dividend Grow US 4.93%
iShares International Dividend Growth ETF 3.69%
SPDR Utilities Sector ETF 1.87%
iShares Multi-factor Emerging Market ETF 1.8%
iShares MSCI USA Small-Cap Min Vol Factor ETF 1.74%
Top Commodity/Crypto ETF Holdings As of 03/31/2023
Name % Of Net Assets
GraniteShares Gold Trust 3.04%
Aberdeen Blmb All Cmd Str K1 Fr 0.79%

Holdings are subject to change

Cryptocurrency is an emerging asset class. There are thousands of cryptocurrencies, the most well-known of which is bitcoin. The funds may have exposure to bitcoin indirectly through an investment in the Grayscale Bitcoin Trust (“GBTC”), a privately offered, open-end investment vehicle that invests in bitcoin. Cryptocurrency generally operates without central authority and is not backed by any government. Cryptocurrency is not legal tender. The market price of bitcoin has been subject to extreme fluctuations. As a result of holding an equity instrument with exposure to cryptocurrency, a fund may trade at a significant premium to NAV. 

Fund Information
Inception Date 09/09/2021
Primary Exchange NYSE
Ticker HOM
CUSIP 66538F 256
IOPV Symbol HOM.IV
NAV Symbol HOM.NV
Gross Expense Ratio 0.59%
Net Expense Ratio* 0.34%
Number of Holdings 41

*Pursuant to an operating expense limitation agreement between LifeGoal Investments LLC (the “Adviser”) and the Trust, on behalf of the Homeowner Investment Fund, the Adviser has agreed to waive its fees and/or absorb expenses of the Homeowner Investment Fund to ensure that Total Annual Fund Operating Expenses for the Homeowner Investment Fund (excluding any front-end or contingent deferred loads, brokerage fees and commissions, acquired fund fees and expenses, borrowing costs (such as interest and dividend expense on securities sold short) and extraordinary expenses do not exceed 0.44% of the Homeowner Investment Fund’s average net assets through September 30, 2022. This operating expense limitation agreement can be terminated only by, or with the consent of, the Board of Trustees of the Trust. The Adviser is permitted to receive reimbursement from the Homeowner Investment Fund for fees it waived and Fund expenses it paid, subject to the limitation that (1) the reimbursement for fees and expenses will be made only if payable within three years from the date the fees and expenses were initially waived or reimbursed and (2) the reimbursement may not be made if it would cause the expense limitation in effect at the time of the waiver or currently in effect, whichever is lower, to be exceeded.

Fund Data & Pricing
Net Assets as of 06/07/2023 $1.3m
NAV $8.65
Shares Outstanding 150,000
Premium Discount Percentage -0.12%
Closing Price $8.64
Median 30 Day Spread 0.12%

Data as of 06/07/2023

IOPV, or Indicative Optimized Portfolio Value, is a calculation disseminated by the stock exchange that approximates the Fund’s NAV every fifteen seconds throughout the trading day.

Performance Quarter end returns as of 3/31/2023
  Avg. Annualized
  Quarter Year to Date 1 Year 3 Year Since Inception
NAV Return 3.76% 3.76% -3.86% NA -5.37%
Market Return 3.64% 3.64% -3.96% NA -5.44%
Bloomberg U.S. Aggregate Bond Index 2.96% 2.96% --4.78% NA --7.25%
S&P 500 7.03% 7.03% --9.29% NA --5.85%

Gross expense ratio: 0.49% Net expense ratio*: 0.34%

*contractual through 12/31/2023

Performance data quoted represents past performance and is no guarantee of future results. Current performance may be lower or higher than the performance data quoted. Investment return and principal value will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than original cost. Returns less than one year are not annualized. For the fund’s most recent month end performance, please call 1-888-920-7275.

NAV Return represents the closing price of underlying securities. Market Return is calculated using the price which investors buy and sell ETF shares in the market. The market returns in the table are based upon the midpoint of the bid/ask spread at 4:00 pm EST, and do not represent the returns you would have received if you traded shares at other times.

LifeGoal ETFs are bought and sold at market price (not NAV ) and are not individually redeemed from the fund. Brokerage commissions will reduce returns.

The universe of acceptable investments for the Fund may be limited as compared to other funds due to the Fund's ESG investment screening. Because the Fund does not invest in companies that do not meet its ESG criteria, and the Fund may sell portfolio companies that subsequently violate its screens, the Fund may be riskier than other mutual funds that invest in a broader array of securities.

Distribution Detail
Ex-Date Record Date Payable Date Amount
09/24/2021 09/27/2021 09/30/2021 0.0023
04/27/2023 04/28/2023 05/03/2023 0.0213
03/23/2023 03/24/2023 03/29/2023 0..152
02/23/2023 02/24/2023 03/01/2023 0.0096
12/15/2022 12/16/2022 12/21/2022 0.0840
11/23/2022 11/25/2022 11/30/2022 0.0157
10/27/2022 10/28/2022 11/02/2022 0.0228
09/22/2022 09/23/2022 09/28/2022 0.0132
08/25/2022 08/26/2022 08/31/2022 0.0125
07/23/2022 07/24/2022 07/28/2022 0.0337
06/18/2022 06/19/2022 06/23/2022 0.0143
05/21/2022 05/22/2022 05/26/2022 0.0143
04/23/2022 04/24/2022 04/28/2022 0.0207
03/24/2022 03/25/2022 03/29/2022 0.129
02/24/2022 02/25/2022 03/02/2022 0.005
12/24/2021 12/26/2021 12/29/2021 0.0565
12/09/2021 12/10/2021 12/14/2021 0.0468
11/19/2021 11/20/2021 11/24/2021 0.0069
10/23/2021 10/24/2021 10/28/2021 0.0137
9/19/2021 9/20/2021 9/24/2021 0.0023
DOWNLOAD PREMIUM DISCOUNT INFORMATION
Top 10 Holdings
% Of Net Assets Name Ticker CUSIP Shares Held Market Value
97.80% Receivables/Payables RECPAY RECPAY 1,268,371 1,268,371.17
2.20% US DOLLARS USD USD 28,520 28,519.56
0.00% 0 0.00

Data as of 06/07/2023. Holdings are subject to change.

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