11/22/2024 | Press release | Distributed by Public on 11/22/2024 14:53
Baywood SociallyResponsibleFund
BVSIX
: Institutional Class
Annual Shareholder Report - September 30, 2024
This annual shareholder report contains important information about the Baywood SociallyResponsible Fund for the period of October 1, 2023, to September 30, 2024. You can find additional information about the Fund at https://www.skba.com/baywood-funds. You can also request this information by contacting us at (855) 409-2297.
(based on a hypothetical $10,000 investment)
Class Name
|
Costs of a $10,000 investment
|
Costs paid as a percentage of a $10,000 investment
|
Institutional Class
|
$101
|
0.89%
|
While one can never be certain how the market will behave in the short run, we believe we have been building a portfolio to help protect our shareholders' capital by purchasing companies with attractive growth potential at low relative prices while satisfying their socially responsible desires. It is our belief that the majority of risks in the market today are with the narrow set of companies that have been driving the indices to new highs.
For holdings in the period, consider the largest sector in the SociallyResponsiblefund: the financial sector. Stocks in this sector often trade at low valuations, yet many of the companies in the SociallyResponsiblefund have fundamentals as good if not better than many highly valued stocks in the broad market index. For comparison sake, take AIG, Corebridge, and American Express and compare them to some of the current top IT holdings in the broad market: Apple, Microsoft, and NVIDIA. Both sets of companies currently have similar earnings growth expectations at an average of 18% EPS growth (3-year) for fund holdings in the financial sector, and an average of 20% for the holdings in the broad market IT sector. Yet we are paying an average of 12 times earnings for our holdings versus an average multiple of 32 times earnings for the IT stocks.
For the fiscal year, the fund underperformed the very concentrated set of returns of the technology laden broad market. Value stocks clearly remain "out-of-favor", yet the it's difficult to imagine absolute returns of approximately 27% would be considered disappointing. The market's preference towards highly valued stocks is represented in the fund's new regulatory benchmark the Morningstar US Market, which owns Apple, Microsoft, NVIDIA, Amazon, Meta and Alphabet as top stocks. Without owning this narrow set of stocks, one is challenged to keep up with an index loaded up on these companies, yet that is not the goal of the SociallyResponsiblefund.
The SociallyResponsiblefund's returns nearly matched the Value index' 27%. That the fund generally kept up in such a strong market is not disappointing, especially when one considers how it has performed in weaker market periods or downdrafts. Stocks in the energy, health care and industrial sectors contributed most to returns, while holdings in the consumer staples and communication sectors detracted most from returns. It is not surprising that stocks within staples and communications lagged as these tend to be out-of-favor during major market advances. In consumer staples, however not owning Walmart detracted most from returns as the nearly 50% increase in the period buoyed benchmark sector returns. While Walmart is a well-run company, we do not believe the risk-reward equation is in our favor as investors are now paying nearly 30 times next year's earnings. In health care, fund holdings in Royal Philips, which returned more than double the benchmark's returns and almost five times the benchmark's health care sector returns, contributed most to returns as the company continues to move past its quality control issues at the product level and medical equipment sales finally recover from the pandemic era sales slump.
For SKBA's in depth investment perspectives, please visit our website at www.skba.com.
Date
|
Institutional ClassFootnote Reference*
|
Morningstar US Market TR Index
|
Morningstar US Large Value TR Index
|
09/30/14
|
$10,000
|
$10,000
|
$10,000
|
12/31/14
|
$10,278
|
$10,514
|
$10,215
|
03/31/15
|
$10,142
|
$10,700
|
$10,069
|
06/30/15
|
$10,258
|
$10,709
|
$10,163
|
09/30/15
|
$9,230
|
$9,957
|
$9,423
|
12/31/15
|
$9,260
|
$10,587
|
$10,068
|
03/31/16
|
$9,165
|
$10,701
|
$10,415
|
06/30/16
|
$9,452
|
$10,979
|
$10,869
|
09/30/16
|
$10,005
|
$11,447
|
$11,113
|
12/31/16
|
$10,567
|
$11,904
|
$11,973
|
03/31/17
|
$10,889
|
$12,607
|
$12,273
|
06/30/17
|
$10,931
|
$12,994
|
$12,329
|
09/30/17
|
$11,424
|
$13,582
|
$12,932
|
12/31/17
|
$12,334
|
$14,460
|
$13,779
|
03/31/18
|
$11,918
|
$14,371
|
$13,347
|
06/30/18
|
$12,180
|
$14,905
|
$13,410
|
09/30/18
|
$12,871
|
$15,980
|
$14,341
|
12/31/18
|
$10,770
|
$13,729
|
$12,966
|
03/31/19
|
$12,063
|
$15,664
|
$14,304
|
06/30/19
|
$12,584
|
$16,321
|
$14,748
|
09/30/19
|
$12,651
|
$16,531
|
$15,219
|
12/31/19
|
$13,631
|
$18,016
|
$16,298
|
03/31/20
|
$9,478
|
$14,311
|
$12,208
|
06/30/20
|
$11,084
|
$17,457
|
$13,727
|
09/30/20
|
$11,796
|
$19,069
|
$14,132
|
12/31/20
|
$14,207
|
$21,782
|
$16,198
|
03/31/21
|
$16,149
|
$23,091
|
$17,838
|
06/30/21
|
$17,161
|
$25,023
|
$18,519
|
09/30/21
|
$16,880
|
$25,031
|
$18,286
|
12/31/21
|
$18,027
|
$27,398
|
$19,678
|
03/31/22
|
$18,361
|
$25,939
|
$20,000
|
06/30/22
|
$16,145
|
$21,569
|
$18,369
|
09/30/22
|
$15,770
|
$20,580
|
$17,066
|
12/31/22
|
$17,897
|
$22,075
|
$19,730
|
03/31/23
|
$18,150
|
$23,707
|
$19,872
|
06/30/23
|
$18,560
|
$25,721
|
$20,678
|
09/30/23
|
$18,466
|
$24,902
|
$20,426
|
12/31/23
|
$20,172
|
$27,911
|
$22,063
|
03/31/24
|
$21,789
|
$30,768
|
$24,025
|
06/30/24
|
$21,808
|
$31,837
|
$23,883
|
09/30/24
|
$23,584
|
$33,768
|
$25,955
|
Footnote | Description |
Footnote*
|
Performance for Institutional Shares for periods prior to January 8, 2016, reflects the performance and expenses of City National Rochdale Socially Responsible Equity Fund, a series of City National Rochdale Funds (the "Predecessor Fund"). |
The above chart represents historical performance of a hypothetical $10,000 investment over the past 10 years. Due to regulatory changes, effective September 1, 2024, the Fund changed its primary benchmark index from the Morningstar US Large Value TR Index to the Morningstar US Market TR Index. The Fund retained the Morningstar US Large Value TR Index as a secondary benchmark because the Morningstar US Large Value TR Index more closely aligns with the Fund's investment strategies and investments restrictions.
One Year
|
Five Year
|
Ten Year
|
|
Institutional ClassFootnote Reference*
|
27.72%
|
13.27%
|
8.96%
|
Morningstar US Market TR Index
|
35.60%
|
15.36%
|
12.94%
|
Morningstar US Large Value TR Index
|
27.07%
|
11.27%
|
10.01%
|
Footnote | Description |
Footnote*
|
Performance for Institutional Shares for periods prior to January 8, 2016, reflects the performance and expenses of City National Rochdale Socially Responsible Equity Fund, a series of City National Rochdale Funds (the "Predecessor Fund"). |
The Fund's past performance is not a good predictor of how the Fund will perform in the future. The graph and table do not reflect the deduction of taxes that a shareholder would pay on Fund distributions or redemption of Fund shares.
Total Net Assets
|
$9,048,331
|
# of Portfolio Holdings
|
53
|
Portfolio Turnover Rate
|
23%
|
Investment Advisory Fees (Net of fees waived and expenses reimbursed)
|
$(96,214)
|
Texas Pacific Land Corp.
|
4.51%
|
American Express Co.
|
4.30%
|
Kontoor Brands, Inc.
|
4.17%
|
Koninklijke Philips NV, ADR
|
3.97%
|
nVent Electric PLC
|
3.50%
|
International Business Machines Corp.
|
3.25%
|
NXP Semiconductors NV
|
2.99%
|
Kinder Morgan, Inc.
|
2.75%
|
CME Group, Inc.
|
2.75%
|
Berkshire Hathaway, Inc., Class B
|
2.61%
|
* excluding cash equivalents
Value
|
Value
|
Financials
|
22.2%
|
Health Care
|
20.8%
|
Technology
|
12.7%
|
Energy
|
9.8%
|
Consumer Discretionary
|
7.1%
|
Capital Goods / Industrials
|
6.9%
|
Communication Services
|
5.2%
|
Real Estate
|
4.6%
|
Consumer Staples
|
4.4%
|
Basic Materials
|
3.9%
|
Transportation
|
1.4%
|
Utilities
|
1.0%
|
* excluding cash equivalents
Additional information is available by scanning the QR code or at https://www.skba.com/baywood-funds, including its:
prospectus
financial information
holdings
proxy information
Baywood SociallyResponsibleFund
BVSIX
: Institutional Class
Annual Shareholder Report - September 30, 2024
217A-BVSIX-24
Baywood ValuePlusFund
BVPIX
: Institutional Class
Annual Shareholder Report - September 30, 2024
This annual shareholder report contains important information about the Baywood ValuePlus Fund for the period of October 1, 2023, to September 30, 2024. You can find additional information about the Fund at https://www.skba.com/baywood-funds. You can also request this information by contacting us at (855) 409-2297.
(based on a hypothetical $10,000 investment)
Class Name
|
Costs of a $10,000 investment
|
Costs paid as a percentage of a $10,000 investment
|
Institutional Class
|
$80
|
0.70%
|
A short prologue regarding the inaugural Tailored Shareholder Report which mandates that funds be compared to broad indexes going forward. For context, the Baywood Funds have historically been compared to domestic value benchmarks, a suitable category given the strategies' characteristics. Those categories have now been consigned of secondary importance. The quite sudden change in benchmark denotes that the Funds, decidedly value-oriented strategies, will from now on be compared to an index with an unequivocal tech bias. To wit, eight of the ten largest holdings in the Morningstar US Market TR Index can be broadly defined as Tech darlings and weigh in at a hefty 28% of the overall index. The culprits will be familiar: Apple, Microsoft, Nvidia, Amazon, Meta, Alphabet (both classes) and Broadcom. Such a concentration of the largest companies within a narrow subset of industries leaves very little real estate for the remaining 1200 companies vying for room in this index.
Comparison to this benchmark is slightly incongruous at this point in time since Baywood ValuePluscouldn't be more dissimilar. One thing is clear. Over the foreseeable future, the two will undoubtedly perform very differently. Since your portfolio managers are significant shareholders in the Funds, our bet is on Baywood. Time will tell.
Fund performance for the twelve months ending September 30, 2024, was driven firstly by increasing equity markets. Geopolitical and election year tensions increased noticeably yet markets responded overwhelmingly to the dictum "Don't Fight the Fed." By that, we refer to stocks tending to rise during times of easing monetary policy. First, European Union countries began to lower rates, soon followed by the U.S. Federal Reserve lowering its Fed Funds rate by 50 bp's. Recent stock returns indeed remind us that cheap money tends to rekindle animal spirits.
Declining rates impact the entire capital markets structure, however, as central banks across many parts of the world declared an end to their restrictive monetary policies in the period. Companies with current high levels of debt at generationally low levels - we'll call these companies corporate sinners - are able to refinance their obligations at less onerous interest rates than what was feared a few months ago. It is not simply the corporate sinners that are benefitting but any entity with financial leverage. With lower costs due to declining interest burdens, companies have the ability to increase spending elsewhere. One can see how the domino effect from central bank policies quickly impacts economic growth. There are of course many additional variables but at its core, monetary profligacy serves as a powerful tonic. We nevertheless believe those effects have mostly played themselves out and that conservatism is called for as reflected in the transactions engaged in the fund over the period.
Baywood ValuePlus participated in this broad rally as a number of our holdings increased over 30%. Royal Philips took the cake with its six-month return nearing 70%. One might presume shares to now be expensive yet despite the significant rally, shares in Philips trade below the market's multiple and at approximately half the valuation levels of Apple, the largest holding in our new index. Our other medal-winners included Kontoor Brands, Hasbro, 3M and Healthcare Realty. The Fund's worst performers in the period included Lear, Phillips 66, Conoco, Merck and Molson Coors.
The ValuePlusFund seeks to achieve its returns over complete cycles by purchasing currently out-of-favor companies that demonstrate solid financials able to pay their shareholders in the form of dividends. The yield on the Fund is over twice that of our new primary benchmark while most of the Fund's valuation benchmarks are at mere fractions. We believe we are well-positioned for the current market environment, especially considering the strategy has historically offered defensive characteristics.
For SKBA's in depth investment perspectives, please visit our website at www.skba.com.
Date
|
Institutional Class
|
Morningstar US Market TR Index
|
Morningstar US Large Value TR Index
|
09/30/14
|
$10,000
|
$10,000
|
$10,000
|
12/31/14
|
$10,344
|
$10,514
|
$10,215
|
03/31/15
|
$10,267
|
$10,700
|
$10,069
|
06/30/15
|
$10,226
|
$10,709
|
$10,163
|
09/30/15
|
$9,320
|
$9,957
|
$9,423
|
12/31/15
|
$9,875
|
$10,587
|
$10,068
|
03/31/16
|
$10,044
|
$10,701
|
$10,415
|
06/30/16
|
$10,455
|
$10,979
|
$10,869
|
09/30/16
|
$10,868
|
$11,447
|
$11,113
|
12/31/16
|
$11,613
|
$11,904
|
$11,973
|
03/31/17
|
$11,831
|
$12,607
|
$12,273
|
06/30/17
|
$11,953
|
$12,994
|
$12,329
|
09/30/17
|
$12,563
|
$13,582
|
$12,932
|
12/31/17
|
$13,487
|
$14,460
|
$13,779
|
03/31/18
|
$13,374
|
$14,371
|
$13,347
|
06/30/18
|
$13,591
|
$14,905
|
$13,410
|
09/30/18
|
$14,142
|
$15,980
|
$14,341
|
12/31/18
|
$12,109
|
$13,729
|
$12,966
|
03/31/19
|
$13,395
|
$15,664
|
$14,304
|
06/30/19
|
$13,732
|
$16,321
|
$14,748
|
09/30/19
|
$13,923
|
$16,531
|
$15,219
|
12/31/19
|
$14,958
|
$18,016
|
$16,298
|
03/31/20
|
$10,450
|
$14,311
|
$12,208
|
06/30/20
|
$12,348
|
$17,457
|
$13,727
|
09/30/20
|
$12,701
|
$19,069
|
$14,132
|
12/31/20
|
$15,037
|
$21,782
|
$16,198
|
03/31/21
|
$16,710
|
$23,091
|
$17,838
|
06/30/21
|
$17,602
|
$25,023
|
$18,519
|
09/30/21
|
$17,374
|
$25,031
|
$18,286
|
12/31/21
|
$18,346
|
$27,398
|
$19,678
|
03/31/22
|
$19,375
|
$25,939
|
$20,000
|
06/30/22
|
$17,570
|
$21,569
|
$18,369
|
09/30/22
|
$16,651
|
$20,580
|
$17,066
|
12/31/22
|
$19,121
|
$22,075
|
$19,730
|
03/31/23
|
$19,108
|
$23,707
|
$19,872
|
06/30/23
|
$19,616
|
$25,721
|
$20,678
|
09/30/23
|
$19,315
|
$24,902
|
$20,426
|
12/31/23
|
$21,281
|
$27,911
|
$22,063
|
03/31/24
|
$23,000
|
$30,768
|
$24,025
|
06/30/24
|
$22,569
|
$31,837
|
$23,883
|
09/30/24
|
$24,620
|
$33,768
|
$25,955
|
The above chart represents historical performance of a hypothetical $10,000 investment over the past 10 years. Due to regulatory changes, effective September 1, 2024, the Fund changed its primary benchmark index from the Morningstar US Large Value TR Index to the Morningstar US Market TR Index. The Fund retained the Morningstar US Large Value TR Index as a secondary benchmark because the Morningstar US Large Value TR Index more closely aligns with the Fund's investment strategies and investments restrictions.
One Year
|
Five Year
|
Ten Year
|
|
Institutional Class
|
27.46%
|
12.08%
|
9.43%
|
Morningstar US Market TR Index
|
35.60%
|
15.36%
|
12.94%
|
Morningstar US Large Value TR Index
|
27.07%
|
11.27%
|
10.01%
|
The Fund's past performance is not a good predictor of how the Fund will perform in the future. The graph and table do not reflect the deduction of taxes that a shareholder would pay on Fund distributions or redemption of Fund shares.
Total Net Assets
|
$5,033,821
|
# of Portfolio Holdings
|
57
|
Portfolio Turnover Rate
|
22%
|
Investment Advisory Fees (Net of fees waived and expenses reimbursed)
|
$(129,562)
|
RTX Corp.
|
4.50%
|
Kontoor Brands, Inc.
|
3.88%
|
AT&T, Inc.
|
3.45%
|
International Business Machines Corp.
|
3.42%
|
Merck & Co., Inc.
|
3.04%
|
Koninklijke Philips NV, ADR
|
2.92%
|
Medtronic PLC
|
2.88%
|
Corebridge Financial, Inc.
|
2.83%
|
Kinder Morgan, Inc.
|
2.82%
|
ConocoPhillips
|
2.39%
|
* excluding cash equivalents
Value
|
Value
|
Financials
|
19.7%
|
Health Care
|
13.3%
|
Technology
|
10.3%
|
Capital Goods / Industrials
|
9.4%
|
Energy
|
9.4%
|
Consumer Discretionary
|
9.0%
|
Consumer Staples
|
8.1%
|
Real Estate
|
5.1%
|
Communication Services
|
5.1%
|
Basic Materials
|
4.5%
|
Utilities
|
3.7%
|
Transportation
|
2.4%
|
* excluding cash equivalents
Additional information is available by scanning the QR code or at https://www.skba.com/baywood-funds, including its:
prospectus
financial information
holdings
proxy information
Baywood ValuePlusFund
BVPIX
: Institutional Class
Annual Shareholder Report - September 30, 2024
217A-BVPIX-24
By:
|
/s/ Zachary Tackett
|
|
Zachary Tackett, Principal Executive Officer
|
||
Date:
|
November 18, 2024
|
By:
|
/s/ Zachary Tackett
|
|
Zachary Tackett, Principal Executive Officer
|
||
Date:
|
November 18, 2024
|
By:
|
/s/ Karen Shaw
|
|
Karen Shaw, Principal Financial Officer
|
||
Date:
|
November 18, 2024
|