Our Services | Money Management & Mutual Funds by Spectrum

Money Management Solutions

Most investors reach a point where they recognize something is missing. Perhaps it is confidence in how their portfolio will hold up when markets turn volatile. Perhaps it is clarity about whether their investment strategy actually reflects the values they hold. Or perhaps it is simply the desire to work with a firm whose track record speaks louder than marketing promises. What follows addresses the specific areas where four decades of disciplined money management have proven most valuable to the clients who have entrusted us with their wealth.

Money Management Through Actively Managed Mutual Funds

When investors grow weary of watching their portfolio lose ground during market downturns, or when they question whether their current funds are truly performing as well as they could be, they often discover what has kept clients with us for decades: Spectrum's methodology for managing money. Active asset allocation refined over 40 years, delivered through our proprietary mutual funds that have consistently earned top Morningstar ratings while outperforming household names like Vanguard, PIMCO, and Fidelity in their respective categories.

Performance That
Speaks for Itself

The difference shows most clearly during volatility. While other funds experience significant drawdowns, our funds have demonstrated remarkable resilience. Our family-oriented firm in Virginia Beach, Virginia, has built a track record that speaks for itself against the largest names in the industry.

AssetMaxx: Comprehensive Money Management

We begin by evaluating your current situation and getting to know you beyond the numbers on a statement. From there, we create a customized asset allocation across our mutual funds, using a combination of these funds to achieve what best suits your needs based on your investor profile, risk tolerance, and objectives. You are assigned a dedicated investment services team that handles cashier services, account maintenance, and develops a thorough understanding of your complete financial picture. We follow up regularly to provide education about your portfolio and market conditions. When you need additional brokerage services, our team facilitates those for you so you do not need to coordinate multiple providers yourself.

How It Works

After our initial evaluation, we design your allocation and implement it across our funds. Your investment services team maintains regular contact, handling the operational details that consume time and create confusion when left to investors to manage alone. As your financial picture evolves, we adapt your allocation accordingly. Everything from rebalancing to service requests flows through your dedicated team, giving you a single point of contact for all investment-related needs.

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These Are your portfolio solutions

Fixed-Income

The Spectrum Low Volatility Fund (SVARX) is built to give investors broad access to the bond market while allowing our team to focus on the opportunities we believe are most attractive. By investing in liquid areas of the market, we can move when conditions change and pursue the best ideas available. Unlike many traditional bond funds that simply track a benchmark, SVARX uses a total return strategy, giving us the flexibility to actively manage risk in today’s evolving bond market. For more information go to thespectrumfunds.com/svarx

Alternatives

The Hundredfold Select Alternative Fund (SFHYX) was the first fund used in our AssetMaxx strategy, originally launched in 2004. The fund combines bonds, alternative investments, and a limited allocation to equities to create a diversified approach designed to help manage risk while still participating in multiple areas of the market. By blending these different asset classes, SFHYX seeks to capture opportunities across markets while maintaining disciplined risk management within each category. Today, it remains a central building block in a well-structured portfolio. For more information go to hundredfoldselect.com

Equity

The Spectrum Advisors Preferred Fund (SAPEX) is built to follow the broad U.S. stock market while working to reduce the impact of major market declines. The fund uses a hedged and actively managed equity strategy that can adjust as market conditions change. Because the portfolio invests only in liquid market instruments, we can move quickly when needed to help manage risk while still participating in market growth. For more information go to thespectrumfunds.com/sapex

A Founder’s Perspective on Wealth

Wealth Conundrum by Ralph J. Doudera offers a thoughtful perspective on the complex relationship people have with money and wealth. Drawing from decades of experience as a professional money manager, Doudera explores the deeper questions surrounding wealth—how it is accumulated, how it should be managed, and the responsibilities that come with it. Through personal stories and real-world experiences, the book examines the challenges and moral questions that often accompany financial success. Its purpose is to help readers gain a clearer perspective on money and develop a healthier understanding of wealth and stewardship.

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Are you a financial advisor or institution interested in incorporating one of our actively managed mutual funds in your client portfolios?

The performance data quoted represents past performance. Past performance does not guarantee future results. Investment return and principal value will fluctuate, so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance data quoted and assumes the reimbursement of any dividend and/or capital gains distributions. To obtain performance data current to most recent month-end, please call toll free 1-888-572-8868. SVARX Inception December 16, 2013. SFHYX Inception September 1, 2004. SAPEX Inception June 1, 2015. Request a prospectus or a summary prospectus prior to investing to review objectives, risk, fees, expenses, and other info by calling Spectrum Financial, Inc., or visiting thespectrumfunds.com or hundredfoldselect.com. Advisors Preferred, LLC serves as adviser to the Spectrum and Hundredfold Funds, distributed by Ceros Financial Services, Inc. Member FINRA/SIPC. Advisors Preferred and Ceros are commonly held affiliates. Spectrum Financial, Inc. and Hundredfold Advisors, LLC serve as sub-advisers to the Spectrum Funds and Hundredfold Fund, respectively. Spectrum and Hundredfold are not affiliated with the funds’ adviser or distributor.

Spectrum Low Volatility Fund (SVARX)

The Fund received a 4-Star Overall Morningstar Rating™ as of 6/30/2026. Spectrum Low Volatility Fund (SVARX) was rated against the following numbers of U.S.-domiciled Nontraditional Bond funds over the following periods: 193 funds in the last three years, 179 in the last five years and 125 in the last ten years. With respect to these Nontraditional Bond funds, Spectrum Low Volatility Fund received a 4-Star rating overall, a 3-Star rating for 3 years, a 3-Star rating for 5 years and a 5-Star rating for 10 years. Past performance is no guarantee of future results. No compensation given for ratings.

Spectrum Active Advantage Fund (SAPEX)

The Fund received a 2-Star Overall Morningstar Rating™ as of 6/30/2026. Spectrum Active Advantage Fund (SAPEX) was rated against the following numbers of U.S.-domiciled Tactical Allocation funds over the following periods: 225 funds in the last three years, 202 in the last five years, and 145 funds in the last ten years. With respect to these Tactical Allocation funds, Spectrum Active Advantage Fund received a 2-Star rating overall and a 2-Star rating for 3 years, a 1-Star rating for 5 years and a 3-Star rating for 10 years. Past performance is no guarantee of future results. No compensation given for ratings.

Hundredfold Select Alternative Fund (SFHYX)

The Fund received a 3-Star Overall Morningstar Rating™ as of 6/30/2026. The Hundredfold Select Alternative Fund (SFHYX) was rated against the following numbers of U.S.-domiciled Tactical Allocation funds over the following periods: 225 funds in the last three years, 202 in the last five years, and 145 funds in the last ten years. With respect to these Tactical Allocation funds, Spectrum Active Advantage Fund received a 3-Star rating overall and a 2-Star rating for 3 years, a 2-Star rating for 5 years and a 5-Star rating for 10 years. Past performance is no guarantee of future results. No compensation given for ratings.

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© 2026 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. The Morningstar Rating™ for funds, or “star rating”, is calculated for managed products (including mutual funds, variable annuity and variable life subaccounts, exchange-traded funds, closed-end funds, and separate accounts) with at least a three-year history. Exchange-traded funds and open-ended mutual funds are considered a single population for comparative purposes. It is calculated based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a managed product’s monthly excess performance, placing more emphasis on downward variations and rewarding consistent performance. The Morningstar Rating does not include any adjustments for the sales load. The top 10% of products in each product category receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. The Overall Morningstar Rating for a managed product is derived from a weighted average of the performance figures associated with its three-, five-, and 10-year (if applicable) Morningstar Rating metrics. The weights are: 100% three-year rating for 36-59 months of total returns, 60% five-year rating/40% three-year rating for 60-119 months of total returns, and 50% 10-year rating/30% five-year rating/20% three-year rating for 120 or more months of total returns. While the 10-year overall star rating formula seems to give the most weight to the 10-year period, the most recent three-year period actually has the greatest impact because it is included in all three rating periods. Morningstar Rating is for the Service share class only; other classes may have different performance characteristics. No compensation was received for these ratings.

^{Contact Us}Ready to Experience Steady,
Active Management?

If you have grown weary of watching your portfolio fluctuate with every market headline, or if you simply want to work with a firm whose 40-year track record speaks for itself, we welcome the conversation. Reach out to discuss how our approach to risk management and active allocation might serve your financial goals.

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