Fund Evaluator:
PFG American Funds Cons Inc Strat I (PFCOX)
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Best Performing in Conservative Allocation Over the Last Year
| 11.9% | Hussman Strategic Total Return (HSTRX) |
| 10.4% | Franklin Multi-Asset Income Y (PMIYX) |
| 10.1% | Columbia Income Builder Inst (CBUZX) |
| 8.2% | Thrivent Conservative Allocation S (THYFX) |
| 8.0% | Columbia Capital Allocation Cnsrv Inst (CBVZX) |
Fund Details
PFG American Funds Cons Inc Strat I Overview
PFG American Funds Cons Inc Strat I (PFCOX) is an actively managed Allocation Conservative Allocation fund. The Pacific Financial Group launched the fund in 2020.
The investment seeks current income. Under normal market circumstances, the fund invests more than half of its assets in American underlying funds or other underlying funds that invest solely in fixed income securities. The fixed income securities generally consist of investment-grade bonds or bonds of intermediate or short maturities. The manager considers bonds to be investment-grade if they are rated Baa3 or higher by Moody’s Investors Service or equivalently by another nationally recognized statistical rating organization, at the time of investment.
About PFG American Funds Cons Inc Strat I (PFCOX)
There are 1 members of the management team with an average tenure of 1.37 years: Greg Silberman (2025). Management tenure is more important for actively managed funds than passive index funds.
The fund has 1 primary benchmark: Morningstar Con Tgt Risk TR USD index with a weighting of 100%. PFG American Funds Cons Inc Strat I has 10 securities in its portfolio. The top 10 holdings constitute 100.1% of the fund’s assets. The fund meets the SEC requirement of being classified as a diversified fund. The fund is not considered to have an ESG focus with its investment selection and management.
PFG American Funds Cons Inc Strat I is part of the Allocation global asset class and is within the Allocation fund group. PFG American Funds Cons Inc Strat I has 10.3% of its portfolio invested in foreign issues. The overall assets allocated to domestic stock is 15.6%. There is 3.7% allocated to foreign stock, and 0.1% is allocated to preferred stocks. The bond allocation as a percentage of total assets is 74.5% (67.9% domestic bond, 6.6% foreign bond and 0.0% convertible bond). PFG American Funds Cons Inc Strat I has 5.9% of the portfolio in cash.
Assets Under Management
The fund has $278 million in total assets, which is above the $107 million average for the Conservative Allocation category. Normally, lower assets under management translates to higher average expense ratios, and greater total assets are desired. However, for some investment categories, such as small-cap investing, it may be difficult for the manager to fully employ the desired active strategy if assets grow too large or too quickly.
PFCOX Performance and Fees
The expense ratio measures how much of a fund’s assets are used for administrative expenses and operating expenses, including adviser fees and fees for the transfer agent and custodial services. The PFG American Funds Cons Inc Strat I expense ratio is high compared to funds in the Conservative Allocation category. PFG American Funds Cons Inc Strat I has an expense ratio of 2.33%, which is 96% higher than its category average, making the fund expense ratio grade a F. While it is difficult to predict returns, it is known that high annual expense ratios reduce your rate of return, and excessive fees are difficult to overcome. Active management normally comes with higher expense ratios than passive index management. Certain investment categories such as small company and foreign also normally have higher expense ratios. It is best to compare fund expense ratios against the category averages for meaningful assessments.
High portfolio turnover can translate to higher expenses and lower aftertax returns. PFG American Funds Cons Inc Strat I has a portfolio turnover rate of 14%, indicating that holds its assets around 0.1 years. By way of comparison, the average portfolio turnover is 100% for the Conservative Allocation category.
Recently, in the month of July 2026, PFG American Funds Cons Inc Strat I returned -0.5%, which earned it a grade of A, as the Conservative Allocation category had an average return of -0.8%. The letter grades of A, B, C, D and F are based upon relative rankings within the investment category. A grade of A, for example, would indicate that the return is in the highest 20% for that time period compared to all funds in that category.
PFG American Funds Cons Inc Strat I has a trailing yield of 1.78%, which is below the 3.43% category average. The fund normally distributes its income annually.
It’s natural to seek the best-performing investments, but you must consider the relationship between risk and return and the impact of costs and taxes on your realized returns.
PFG American Funds Cons Inc Strat I Grades
Year to date, the fund has returned 0.9%, 1.8 percentage points worse than the category, which translates into a grade of F. The fund has returned 4.1% over the past year (grade of F), 4.9% over the past three years (grade of F) and 1.2% per year over the past five years (grade of F).
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PFCOX Trailing NAV Total Returns Data as of 7/31/26
| Last Month |
Last Quarter |
Ann'l. 1Yr |
Ann'l. 3Yr |
Ann'l. 5Yr |
Ann'l. 10Yr |
|
| PFCOX Return (NAV) | -0.5% | 0.1% | 4.1% | 4.9% | 1.2% | na |
| PFCOX Grade | A | F | F | F | F | na |
| +/- Category | 0.3% | -0.5% | -3.1% | -2.2% | -1.5% | na |
| Conservative Allocation Avg | -0.8% | 0.6% | 7.2% | 7.2% | 2.7% | 3.9% |
| PFCOX Tax Cost Ratio | na | na | 1.1% | 0.9% | 0.8% | na |
PFCOX Annual NAV Total ReturnsData as of 7/31/26
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
| PFCOX Return (NAV) | 0.9% | 7.7% | 3.5% | 4.1% | -9.9% | 3.2% | na | na | na | na | na |
| PFCOX Grade | F | F | F | F | A | D | na | na | na | na | na |
| +/- Category | -1.8% | -1.6% | -2.4% | -4.6% | 2.0% | -1.4% | na | na | na | na | na |
| Conservative Allocation Avg | 2.8% | 9.2% | 5.9% | 8.7% | -11.9% | 4.5% | 8.0% | 11.5% | -3.3% | 7.1% | 5.9% |
| Risk Measures | |
| Standard Deviation: | 4.9% |
| Total Risk Index: | 0.40 - Low |
| Category Risk Index: | 0.76 - Low |
| Category Risk Grade: | A (10% Rank) |
| Beta: | 0.48 |
| R-Squared: | 85% |
| Leveraged Fund: | No |
| Inverse Fund: | No |
| Portfolio Characteristics | |
| Equity Investment Style: | Large-Cap Value |
| Bond Investment Style: | High Quality Moderate Sensitivity |
| Yield: | 1.8% |
| Dividend Distribution: | Annually |
| Cap Gains Distribution: | |
| Total Assets: | $278 Mil |
| Fund Total Assets: | $ 279 Mil |
| Share Class Type: | Inst |
| Portfolio Turnover: | 14% |
Management Team
| Number of Managers: 1 | |||
| Longest Tenure: 1.4 years | |||
| Average Tenure: 1.4 years | |||
| Managers (Year): Silberman Greg (2025) | |||
Portfolio Composition (as of 4/30/26)
| # of Holdings: | 10 |
| % in Top 10 Holdings: | 100.1% |
| Fund is Non-Diversified: | No |
| % in Foreign Issues: | 10.3% |
Portfolio Allocation |
|
| Domestic Stock: | 15.6% |
| Foreign Stock: | 3.7% |
| Preferred Stock: | 0.1% |
| Domestic Bond: | 67.9% |
| Foreign Bond: | 6.6% |
| Convertible Bond: | 0.0% |
| Other: | 0.2% |
| Cash: | 5.9% |
Purchase Information
| Fund Family: | The Pacific Financial Group |
| Phone Number: | 888-451-8734 |
| Website: |
| Status: | Open |
| Inception Date: | May 1, 2020 |
| Min. Initial Purchase: | $ 0 |
| Min. Initial IRA Purchase: | $ 0 |
| True No-Load: | Yes |
| Front Load Maximum: | 0.00% |
| Deferred Charge Maximum: | 0.00% |
| Redemption Charge Maximum: | 0.00% |
| 12b-1 Fee: | 0.00% |
Expenses and Fees | |
| Expense Ratio (%): | 2.33% ( Rating : High ) |
| Category Average Expense Ratio (%): | 1.19% |
| Share Class: | PFG American Funds Cons Inc Strat I |
| Min. Subsequent Purchase: | $ 0 |
| Min. Subsequent IRA Purchase: | $ 0 |
