LifeGoal Investments

LifeGoal Wealth Builder ETF
[Ticker: WLTH]

  • Targeting Dividends
  • Low Cost
  • Risk Managed
  • Long Term

Fund Goals

LifeGoal Wealth Builder ETF (ticker: WLTH) is a low cost, diversified ETF that’s professionally managed for people that want to grow their long term wealth.

  • Investment Goal: Seek to provide long term capital appreciation.
  • Active Management: Managers use innovative research and analysis in an effort to determine which stocks, bond, commodities, and crypto currencies will produce the most favorable outlook for achieving long term performance.
  • Environmental Social Governance: The managers will consider ESG in all aspects of the investment process.
  • Design: A flexible opportunistic strategy that generally will be about 65% stocks (higher risk) and 35% bonds (lower risk)
  • Management Fees: $4.90 annually per $1,000 investment.
Risk Score

Top Individual Stock Holdings As of 09/30/2022
Name % Of Net Assets
Walmart 1.33%
Newmont 1.23%
Royal Gold 1.01%
Alphabet (Google) 0.99%
Verizon 0.96%
Home Depot 0.85%
Oracle 0.85%
CH Robinson 0.84%
Nike 0.78%
Boeing 0.69%

Holdings are subject to change.

Diversified Portfolio As of 09/30/2022

Holdings are subject to change.

Top Stock ETF Holdings As of 09/30/2022
Name % Of Net Assets
JPMorgan Equity Premium Income ETF 12.84%
iShares MSCI Global Min Vol Factor ETF 10.71%
iShares Core Dividend Grow US 5.19%
Wisdomtree Emerging Market Quality Dividend 3.68%
Utilities Select Sector SPDR 2.76%
iShares International Dividend Growth 2.24%
Vanguard Global ex-US Real Estate Index ETF 2.08%
Vanguard Real Estate Index ETF 1.86%
iShares Global Materials ETF 1.57%

Holdings are subject to change.

Top Bond ETF Holdings As of 09/30/2022
Name % Of Net Assets
Vanguard Long Term Corporate 9.46%
Invesco Taxable Municipal Bond 8.75%
Vanguard Emerging Markets Bond 7.01%
VanEck JP Morgan EM Local Currency Bond ETF 6.19%
Schwab U.S. TIPS ETF 5.28%
iShares Long-Term Corporate Bond ETF 4.12%
Top Commodity/Crypto ETF Holdings As of 09/30/2022
Name % Of Net Assets
Aberdeen Standard Blmb AllCmdStrK1Fr ETF 2.05%
GraniteShares Gold Trust 1.86%

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 WLTH
CUSIP 66538F 249
IOPV Symbol WLTH.IV
NAV Symbol WLTH.NV
Gross Expense Ratio 0.86%
Net Expense Ratio* 0.59%
Adjusted Net Expense Ratio* 0.49%
Number of Holdings 35

*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 0.49% 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 11/30/2022 $5.53m
NAV $8.50
Shares Outstanding 650,000
Premium/discount Percentage -0.12%
Closing Price $8.49
Median 30 Day Spread 0.13%

Data as of 11/30/2022

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 9/30/2022
  Avg. Annualized
  Quarter Year to Date 1 Year 3 Year Since Inception
NAV Return -7.02% -20.65% NA NA -18.57%
Market Return -6.91% -20.48% NA NA -18.57%
Bloomberg U.S. Aggregate Bond Index -4.75% -14.61% NA NA -14.42%
MSCI World Index -6.19% -25.42% NA NA -21.99%
S&P500 -5.28% -24.77% NA NA -19.52%

Gross expense ratio: 0.86% Net expense ratio*: 0.59%

*contractual through 09/30/2022

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 0.0054
11/23/2022 11/25/2022 11/30/2022 0.0209
10/27/2022 10/28/2022 11/02/2022 0.0331
09/22/2022 09/23/2022 09/28/2022 .0214
08/25/2022 08/26/2022 08/31/2022 .0192
07/23/2022 07/24/2022 07/28/2022 .288
06/18/2022 06/19/2022 06/23/2022 .0191
05/21/2022 05/22/2022 05/26/2022 .0191
04/23/2022 04/24/2022 04/28/2022 .0223
03/24/2022 03/25/2022 03/29/2022 .0126
02/24/2022 02/25/2022 03/02/2022 .0052
12/24/2021 12/26/2021 12/29/2021 .0917
12/09/2021 12/10/2021 12/14/2021 .0578
11/19/2021 11/20/2021 11/24/2021 .0086
10/23/2021 10/24/2021 10/28/2021 .0186
09/19/2021 09/20/2021 09/24/2021 .0054
Top 10 Holdings
% Of Net Assets Name Ticker CUSIP Shares Held Market Value
13.12% VANGUARD LONG-TERM CORP B VCLT 92206C813 9,697 758,596.31
11.76% ISHARES CORE DIVIDEND GRO DGRO 46434V621 12,987 679,609.71
9.77% JPM EQTY P-INC JEPI 46641Q332 9,942 564,506.76
7.40% ISHARES INTL DIV IGRO 46435G524 7,317 427,605.48
6.99% SCHWAB U.S. TIPS ETF SCHP 808524870 7,610 404,091.00
6.90% VANGUARD EMERG MKTS GOV B VWOB 921946885 6,399 398,913.66
5.98% VANECK J. P. MOR EMLC 92189H300 14,256 345,565.44
5.88% ISHARES MBS ETF MBB 464288588 3,619 340,149.81
3.84% WISDOMTREE EMERGING MARKE DGRE 97717W323 10,071 221,864.13
2.74% UTILITIES SELECT SECTOR S XLU 81369Y886 2,214 158,146.02

Data as of 11/30/2022. Holdings are subject to change.

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