Eder Organizational Investing, Inc.’s (EOII) Money Market Fund seeks to provide maximum current income to the extent consistent with the preservation of capital and daily liquidity by purchasing U.S. government securities and repurchase agreements collateralized by such obligations. 

EOII’s Money Market Fund invests exclusively in short-term U.S. government securities. For additional information regarding the PIMCO Fund and its risks, request a copy of the PIMCO Fund’s prospectus. 

Eder Organizational Investing, Inc.’s (EOII) Short-term Fund seeks to provide current income and minimal price volatility by investing primarily in short-term instruments, excluding U.S. Treasuries.
 

EOII’s investment guidelines specify that 100% of our Short-term Fund’s assets shall be invested in instruments that have a final stated maturity of 24 months or less. 

Eder Organizational Investing, Inc.’s (EOII) Community Development Investment Fund is designed to support community development lending in local communities and, as a result, may achieve lower returns than other investment options. 

The Community Development Investment Fund is designed to support community development lending in low-income communities and, as a result, may achieve lower returns than other investment options. The CDIF currently invests in interest-bearing Community Investment Notes issued by Calvert Impact Capital (“Calvert”) and shares of the Community Capital Management Community Impact Fund Institutional Shares (the “CCM Fund”), which are deemed to be qualified under the Community Reinvestment Act. The CCM Fund’s investment adviser is Community Capital Management, Inc. (“CCM”). For additional information regarding the CCM Fund, please request a copy of the CCM Fund prospectus. 

EOII’s Investment Guidelines specifies that all of CDIF’s investments shall be in established community-focused investments. Because a portion of CDIF’s investments is not diversified, this Fund may be subject to greater risks than diversified portfolios. 
 

Bond Fund

Eder Organizational Investing, Inc.’s (EOII) Bond Fund seeks to provide current income. 

EOII’s investment guidelines specify that the maximum maturity of any bond purchased may not exceed 30 years. The duration of the portfolio is limited to a 30% range above and below the fund’s benchmark index. Assets of the Bond Fund are invested in fixed-income securities, but may not be invested in U.S. Treasuries. The balance of the fund is invested in cash equivalents. 

Treasury Inflation-Protected Securities Fund. 

Eder Organizational Investing, Inc.’s (EOII) Treasury Inflation-Protected Securities Fund seeks to provide protection against inflation with low correlation to the Bond Fund.

The Treasury Inflation-Protected Securities Fund currently invests in shares of the Vanguard Inflation-Protected Securities Fund Admiral Shares (the “Vanguard Fund”), a mutual fund. 

The Vanguard Fund invests in bonds that are backed by the full faith and credit of the federal government and whose principal is adjusted quarterly based on inflation. The risks of the Vanguard Fund are similar to the Bond Fund and are low relative to other EOII funds. For additional information regarding the Vanguard Fund and its risks, request a copy of the Vanguard Fund’s prospectus.

 High Yield Bond Fund. 

Eder Organizational Investing, Inc.’s (EOII) High Yield Bond Fund seeks to provide higher yield in an aggressive and riskier investment strategy, which has low correlation to the Bond Fund.

EOII’s High Yield Bond Fund currently invests in shares of the Principal High Yield Fund Institutional Class (the “Principal Fund”), a mutual fund. The Principal Fund invests primarily in high-yield, high-risk, below-investment grade, fixed-income securities (often referred to as “junk bonds”), which may include foreign investments. These securities have significant risks. For additional information regarding the Principal Fund and its risks, request a copy of the Principal Fund’s prospectus.

The assets of this fund will be invested in a fund vehicle until the Fund is large enough for active management by EOII. The Fund may not be in compliance with EOII’s socially responsible investing guidelines as long as it is invested in a fund vehicle. 

Bank Loans Fund 

Eder Organizational Investing, Inc.’s (EOII) Bank Loans Fund seeks to provide a more aggressive fixed income option typically with a higher yield, but also with significant risks because the Fund consists of low-quality, below-investment-grade securities. 

The Bank Loans Fund currently invests in shares of the Eaton Vance Floating-Rate Fund Class R-6 (the “Eaton Vance Fund”), a mutual fund. Under normal circumstances, the Eaton Vance Fund invests at least 80 percent of its total assets in income producing floating rate loans and other floating rate debt securities. The Eaton Vance Fund invests primarily in senior floating rate loans of domestic and foreign borrowers (“Senior Loans”). Senior Loans typically are secured with specific collateral and have a claim on the assets and/or stock of the borrower that is senior to subordinated debtholders and stockholders of the borrower. Loans usually are of below-investment-grade quality and have below-investmentgrade credit ratings, which ratings are associated with securities having high risk, speculative characteristics (sometimes referred to as “junk”). The Eaton Vance Fund may also invest in secured and unsecured subordinated loans, second lien loans and subordinated bridge loans (collectively “Junior Loans”), other floating rate debt securities, fixed-income debt obligations and money market instruments. The Eaton Vance Fund may invest up to 25 percent of its total assets in foreign Senior Loans. The Eaton Vance Fund may engage in derivative transactions (such as futures contracts and options thereon, forward foreign currency exchange contracts and other currency hedging strategies, and interest rate swaps) to seek to hedge against fluctuations in currency exchange rates and interest rates. These securities have significant risks. For additional information regarding the Eaton Vance Fund and its risks, please request a copy of the Eaton Vance Fund’s prospectus. 

The assets of this Fund will be invested in a fund vehicle until the Fund is large enough for active management by EOII. The Fund may not be in compliance with EOII’s Eder Values Investing guidelines as long as it is invested in a fund vehicle. 

Global Aggregate Fixed Income Fund 

Eder Organizational Investing, Inc.’s (EOII) Global Aggregate Fixed Income Fund seeks to provide a more aggressive fixed income option typically with a higher yield, but also with the risks associated with international securities. 

The Global Aggregate Fixed Income Fund currently invests in shares of the Templeton Global Bond Fund Class R-6 (the “Templeton Fund”), a mutual fund. Under normal market conditions, the Templeton Fund invests at least 80 percent of its net assets in “bonds.” Bonds include debt obligations of any maturity, such as bonds, notes, bills, and debentures. The Templeton Fund invests predominantly in bonds issued by governments, government-related entities and government agencies located around the world. The Templeton Fund may also invest in securities or structured products that are linked to or derive their value from another security, asset, or currency of any nation. In addition, the Templeton Fund’s assets are invested in issuers located in at least three countries (including the U.S.). The Templeton Fund may invest without limit in developing markets. Although the Templeton Fund may buy bonds rated in any category, it focuses on “investment-grade” bonds. It may invest up to 25 percent of its total assets in bonds that are rated below-investmentgrade or, if unrated, determined by the Templeton Fund’s manager to be of comparable quality. The Templeton Fund maintains extensive positions in currency-related derivative instruments as a hedging technique or to implement a currency investment strategy, which could expose a large amount of the Templeton Fund’s assets to obligations under these instruments. These securities have significant risks. For additional information regarding the Templeton Fund and its risks, please request a copy of the Templeton Fund prospectus. 

The assets of this Fund will be invested in a fund vehicle until the Fund is large enough for active management by EOII. The Fund may not be in compliance with EOII’s Eder Values Investing guidelines as long as it is invested in a fund vehicle. 

Domestic Stock Large Cap Core Index Fund 

Eder Organizational Investing, Inc.’s (EOII) Domestic Stock Large Cap Core Index Fund seeks long-term capital growth by investing in a portfolio of equity securities that has limited diversification by company size. This Fund employs an index style of investment management, which means that it is a passively managed fund that has a risk level similar to its benchmark and it may not be adjusted according to the professional judgment of the manager.

EOII’s investment guidelines specify that the asset allocation will be proportional to the holdings in the S&P 500 Index minus the companies that are not in compliance with EOII’s Eder Values Investing guidelines. This Fund is less diversified than the Domestic Stock Fund

Domestic Stock Mid Cap Fund

Eder Organizational Investing, Inc.’s (EOII) Domestic Stock Mid Cap Fund seeks long-term capital growth by investing in a portfolio of equity securities that has limited diversification by company size. This fund employs a mid-cap style of investment management. It is an actively managed fund that invests in securities whose shares appear to be underpriced by some form of fundamental analysis. 
 
EOII’s investment guidelines specifies that not less than 80% of the Domestic Stock Mid Cap Fund’s assets shall be invested in equity securities, including unlimited securities of U.S. companies, and not more than 10% in American Depositary Receipts of non-U.S. corporations. This fund is less diversified than the Domestic Stock Fund. 

Domestic Stock Growth Fund. 

Eder Organizational Investing, Inc.’s (EOII) Domestic Stock Growth Fund seeks long-term capital growth by investing in a portfolio of equity securities that has limited diversification by company size. This fund employs a growth style of investment management, which means it is an actively managed fund that invests in securities of companies that exhibit signs of above-average growth by some form of fundamental analysis. 
 
EOII’s investment guidelines specifies that not less than 80% of the Domestic Stock Growth Fund’s assets shall be invested in equity securities, including unlimited securities of U.S. companies, and not more than 10% in American Depositary Receipts of non-U.S. corporations. This fund is less diversified than the Domestic Stock Fund. 

Domestic Stock Value Fund 

Eder Organizational Investing, Inc.’s (EOII) Domestic Stock Value Fund seeks long-term capital growth by investing in a portfolio of equity securities that has limited diversification by company size. This Fund employs a value style of investment management, which means it is an actively managed fund that invests in securities whose shares appear to be underpriced based upon some form of fundamental analysis. 

EOII’s Investment Guidelines specifies that not less than 80 percent of the Domestic Stock Value Fund’s assets shall be invested in equity securities, including unlimited securities of U.S. companies, and not more than 20 percent in American Depositary Receipts of non-U.S. corporations. This Fund is less diversified than the Domestic Stock Fund. 

 Domestic Stock Fund

Eder Organizational Investing, Inc.’s (EOII) Domestic Stock Fund seeks long-term capital growth by investing in a portfolio of equity securities that is well-diversified by industry, company size, and company names. This fund currently employs four different managers, each with a different style of investment management: Mid cap, Large cap value, Large cap core, and Large cap growth. 
 
EOII’s investment guidelines specify that not less than 80% of the Domestic Stock Fund’s assets shall be invested in equity securities, including unlimited securities of U.S. companies, and not more than 20% in American Depositary Receipts of non-U.S. corporations. This fund is more diversified than the Domestic Stock Large Cap Core Index Fund, the Domestic Stock Value Fund, the Domestic Stock Mid Cap Fund, and the Domestic Stock Growth Fund. 
 

Small Cap Fund

Eder Organizational Investing, Inc.’s (EOII) Small Cap Fund seeks long-term capital growth by investing in a portfolio of equity securities of companies that have market capitalizations that are no greater at the time of purchase than the largest market capitalized firm that is in the fund’s benchmark at its most recent reconstitution. As of May 31, 2010, the most recent reconstitution date, the largest market capitalized firm in the fund’s benchmark had $2.3 billion in assets. 
 
EOII’s investment guidelines specify that not less than 80% of the Small Cap Fund’s assets shall be invested in equity securities, including unlimited securities of U.S. companies, and not more than 10% in American Depositary Receipts of non-U.S. companies. This fund is typically more volatile than the Domestic Stock Fund, Domestic Stock Core Fund, Domestic Stock Value Fund, and the Domestic Stock Growth Fund. The Small Cap Fund is a different investment style and less diversified than the Domestic Stock Fund. Adding an allocation to the Small Cap Fund expands a participating organization’s range of equity investments. 
 
This fund is most appropriate for participating organizations that have a longer investment horizon and are prepared to accept the volatility associated with equity securities issued by smaller companies. 

International Stock Core Fund

Eder Organizational Investing, Inc.’s (EOII) International Stock Core Fund seeks long-term capital growth by investing in a portfolio of non-U.S. equity securities. The International Stock Core Fund employs a core style of investment management. 
 
EOII’s investment guidelines specify that not less than 80% of the International Stock Core Fund’s assets shall be invested in equity securities of non-U.S. companies, including ADRs of non-U.S. companies. In addition, currency futures, forwards, or options may be purchased to hedge currency fluctuations. This fund is typically more volatile than the Domestic Stock Fund, Domestic Stock Core Fund, Domestic Stock Value Fund, Domestic Stock Growth Fund, and Small Cap Fund. The International Stock Core Fund is a different investment style and is less diversified than the Domestic Stock Fund. Adding an allocation to the International Stock Core Fund expands a participating organization’s range of equity investments. 
 
This fund is most appropriate for participating organizations that have a longer investment horizon and are prepared to accept the volatility associated with non-U.S. equity securities. 


Emerging Markets Stock Fund

Eder Organizational Investing, Inc.’s  (EOII) Emerging Markets Stock Fund seeks long-term capital growth by investing in a portfolio of non-U.S. equity securities from the emerging markets of the world that has lower correlation with the International Stock Core Fund. 
 
EOII’s Emerging Markets Stock Fund currently invests in shares of the Hartford Schroders Emerging Markets Equity Fund Class, a mutual fund. This emerging markets mutual fund has more than $5.4 billion in total assets. This fund is typically more volatile than the International Stock Core Fund. For additional information regarding the Hartford Schroders Emerging Markets Equity Fund and its risks, request a copy of the Hartford Schroders Emerging Markets Equity Fund’s prospectus.
 
The assets of this fund will be invested in a fund vehicle until the fund is large enough for active management by EOII. The fund may not be in compliance with EOII’s socially responsible investing guidelines as long as it is invested in a fund vehicle. 
 
This fund is most appropriate for participating organizations that have a longer investment horizon and are prepared to accept the volatility associated with non-U.S. equity securities. 

Commodities-Based Fund

Eder Organizational Investing, Inc.’s  (EOII) Commodities-Based Fund seeks to provide protection against inflation with low correlation to equity securities. 
 
EOII’s Commodities-Based Fund currently invests in shares of the PIMCO Commodity Real Return Strategy Fund Class D (the “PIMCO Fund”), a mutual fund. The PIMCO Fund predominantly invests in commodity-linked derivative instruments backed by a portfolio of inflation-indexed securities and other fixed-income instruments. The risks of the PIMCO Fund are significant, given the fund’s high volatility. This fund is typically more volatile than the Emerging Markets Stock Fund. For additional information regarding the PIMCO Fund and its risks, request a copy of the PIMCO Fund’s prospectus. 

The assets will be invested in a fund vehicle until the fund is large enough for active management by EOII. The fund may not be in compliance with EOII’s socially responsible investing guidelines as long as it is invested in a fund vehicle. 

Public Real Estate Fund

Eder Organizational Investing, Inc.’s  (EOII) Public Real Estate Fund seeks to provide protection against inflation with low correlation to other equity options. 
 
The Public Real Estate Fund currently invests in shares of the  

Principal Global Real Estate Securities Fund Class R-6 (the “Principal Real Estate Fund”), a mutual fund. The Principal Real Estate Fund invests in equity securities of companies that are principally engaged in the real estate industry as defined by the Principal Real Estate Fund’s manager. The risks of the Principal Real Estate Fund are significant, given the Principal Real Estate Fund’s high volatility. For additional information regarding the Principal Real Estate Fund and its risks, request a copy of the Principal Real Estate Fund’s  prospectus.

 The assets of this fund will be invested in a fund vehicle until the fund is large enough for active management by EOII. The fund may not be in compliance with EOII’s socially responsible investing guidelines as long as it is invested in a fund vehicle. 

Multi-Strategy Hedge Fund 

 Eder Organizational Investing, Inc.’s (EOII) Multi-Strategy Hedge Fund seeks to provide portfolio diversification with an investment option that uses nontraditional asset classes and/or nontraditional strategies to achieve lower correlation to fixed income and equity options. 

The Multi-Strategy Hedge Fund currently invests in shares of the PIMCO All Asset All Authority Fund Institutional Class (the “PIMCO All Asset All Authority Fund”), a mutual fund. The PIMCO All Asset All Authority Fund seeks maximum real return, consistent with preservation of real capital and prudent investment management by investing under normal circumstances substantially all of its assets in the least expensive class of shares of any actively managed or smart beta funds (including mutual funds or exchange-traded funds) of the PIMCO Funds, or PIMCO ETF Trust or PIMCO Equity Series, each an affiliated open-end investment company, except other funds of funds and certain PIMCO municipal bond funds (collectively “Underlying PIMCO Funds”). The PIMCO All Asset All Authority Fund invests its assets in shares of the Underlying PIMCO Funds and does not invest directly in stocks or bonds of other issuers. The PIMCO All Asset All Authority Fund’s asset allocation sub-adviser seeks concurrent exposure to a broad spectrum of asset classes. The PIMCO All Asset All Authority Fund may use leverage by borrowing for investment purposes to purchase additional shares of Underlying PIMCO Funds. The PIMCO All Asset All Authority Fund can borrow from banks up to a maximum of 33 1/3 percent of total assets. For additional information regarding the PIMCO All Asset All Authority Fund and its risks, please request a copy of the PIMCO All Asset All Authority Fund prospectus. 

The assets of this Fund will be invested in a fund vehicle until the Fund is large enough for active management by EOII. The Fund may not be in compliance with EOII’s Eder Values Investing guidelines as long as it is invested in a fund vehicle. 

Some tactical funds, particularly those not labeled with EVI or Eder Values Investing, may invest in strategic funds that may not comply with EOI’s socially responsible investing guidelines. In those instances where it is not cost effective to hire a manager to build a portfolio to our specifications, we will seek out a suitable mutual fund to solve for specific asset classes. While these mutual fund managers are not contractually beholden to our defined values, Eder staff, consultants, and board members analyze their holdings on a regular basis and will seek to replace them with a more suitable alternative if they stray too far from our expectations. 

Yes, our tactical funds have an additional level of cost over and above the expenses of our strategic funds in which they are invested. This additional fee, shown in the fee schedule below, is charged directly to investors’ accounts on a quarterly basis and is based on the total EOI investor assets invested in any of our tactical funds. 

H3 Tag: EOI tactical funds fee schedule 

Account size Annual service fee, percent of assets 

First $10,000,000 0.250% or 25.0 basis points? 

From $10,000,000 to $20,000,000 0.125% or 12.5 basis points 

From $20,000,000 to $50,000,000 0.075% or 7.5 basis points 

Over $50,000,000 0.050% or 5.0 basis points 

By comparison, our passive funds-of-funds (e.g. Balanced Fund and Domestic Stock Fund) are EOI investment options with preset allocations, as determined by the Eder Financial Board Investment Committee, and rebalanced on a quarterly basis. No economic analysis is performed during the administration of these funds-of-funds and the performance generated is solely the result of the underlying investment managers and the securities they have purchased. These passive funds-of-funds offer less potential diversification than the tactical funds. 

Our balanced fund is a passive strategic fund that invests in the Domestic Stock Funds and the Bond core Funds. Although our Balanced Fund allows for a range of between 30% in Domestic Stock Funds and 70% in Bond Funds, historically, our Balanced Fund has invested 60% in the Domestic Stock Funds and 40% in the Bond Funds and rebalanced on a fixed quarterly schedule. 

As indicated above, our tactical funds may be invested in a wider range of strategic funds. Decisions on which strategic funds and how much is invested, within the limits of our policy, are at the discretion of our tactical fund investment adviser. Changes can occur when the investment adviser determines it’s beneficial, rather than on a specific schedule. 

Our tactical funds use a tactical asset allocation model — a dynamic investment strategy that actively adjusts our portfolio's asset allocation, with the goal of improving the risk-adjusted returns of the strategic funds as compared to a set blended benchmark. 

The information provided on this page is only for reference and benchmarking purposes. Our analysis is based on information which Eder Financial believes is reliable. However, no warranty, expressed or implied is granted. 

Review our 2024 Information Statement for a detailed description of each of our tactical funds. Consult with a qualified capital market analyst for advice. 

This information is of a general nature and is not intended to provide any person(s) with investment or economic advice or a recommendation to buy or sell any security or adopt any investment strategy. Opinions and forecasts expressed herein are subject to change without notice. Information is not guaranteed as to its accuracy.