MoA Clear Passage 2070 Fund™ Overview

As of 6/30/2025

The MoA Clear Passage 2070 Fund™ is designed for investors with a specific target date in mind – whether for retirement or another long-term investment goal. This Fund uses our time-tested investment management and allocation expertise to dynamically manage an investment over time approaching the target year 2070.

The Fund Features:

  • Active management in the small-cap, mid-cap, international equity, and fixed income asset classes
  • Passive management in large-cap equities to optimize market participation while maintaining lower expenses
  • Dynamic portfolio allocation that adjusts the equity and fixed income holdings over time based on the specified target year
  • A glidepath that extends 10 years beyond the target date
  • A conservative risk-management approach

Portfolio Managers

Jamie Zendel, FRM

Jamie Zendel, FRM

Executive Vice President, Head of Quantitative and Asset Allocation Strategies

With MoA Since 2007

Over 27 years of investment experience

Joseph R. Gaffoglio, CFA, CPA

Joseph R. Gaffoglio, CFA, CPA

President & CEO

With MoA Since 2005

Over 30 years of investment experience

MoA Clear Passage 2070 Fund™ Performance

Monthly

As of 6/30/2025
Annualized
Class 1 Mo YTD 1 Yr 3 Yr 5 Yr 10 Yr Incep
MoA Clear Passage 2070 Fund™ 4.11 0.00 70.95
Morningstar Lifetime Allocation Moderate 2065 Index 4.11 9.60 10.62
Morningstar Target-Date 2065+ Category Avg 4.34 9.44
Percentile Rank in Morningstar Category
Number of Funds in Category
Date of Inception: 5/1/2025 | Gross Expense Ratio: 3.47% | Net Expense Ratio: 0.46%

Quarterly

As of 6/30/2025
Annualized
Class 3 Mo YTD 1 Yr 3 Yr 5 Yr 10 Yr Incep
MoA Clear Passage 2070 Fund™ 0.00 0.00 70.95
Morningstar Lifetime Allocation Moderate 2065 Index 10.12 9.60 10.62
Morningstar Target-Date 2065+ Category Avg 10.32 9.44
Percentile Rank in Morningstar Category
Number of Funds in Category
Date of Inception: 5/1/2025 | Gross Expense Ratio: 3.47% | Net Expense Ratio: 0.46%

The performance data quoted represents past performance and is no guarantee of future results. Investment return and principal value of an investment will fluctuate so that an investor’s 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. For the most recent month-end performance, please call 800.914.8716 or visit the Fund’s website at moafunds.com.

The Adviser has contractually agreed to waive its advisory fee and/or reimburse the Fund’s ordinary operating expenses to the extent necessary to limit the ordinary operating expenses (other than, among other things, the management fee and shareholder servicing fees) to an amount not to exceed the annual rate of 0.08% based on the Fund’s average daily net assets. This contractual obligation may not be terminated before April 30, 2026, without the consent of the Board of Directors.

MoA Clear Passage 2070 Fund™ Portfolio Characteristics

As of 6/30/2025

Holdings (%)

Holding Fund
MoA Equity Index Fund 45.60
MoA International Fund 24.85
MoA Mid Cap Equity Index Fund 13.93
MoA Small Cap Growth Fund 3.50
MoA Small Cap Value Fund 3.43
MoA Mid Cap Value Fund 2.93
MoA Small Cap Equity Index Fund 1.99
MoA Core Bond Fund 1.89
MoA Intermediate Bond Fund 0.94
MoA US Government Money Market Fund 0.93
Total 99.99
Total Number of Holdings: 10

Credit Quality (%)

Holding Fund Category
AAA 0.00 5.93
AA 52.19 29.55
A 10.64 29.79
BBB 34.85 31.10
BB 0.70 0.93
B 0.00 0.20
Below B 0.00 0.11
Ratings are based on Morningstar DBRS ratings. For securities rated differently, Morningstar provides an average rating. Credit Quality ratings reflect the credit quality of the underlying securities in the Fund’s portfolio and not that of the fund itself. Quality ratings are subject to change. Ratings range from AAA as the highest to Below B as the lowest credit quality rating.

Portfolio Composition (%)

Asset Fund
Equities 94.57
Bonds 2.80
Cash 2.43
Other 0.19

Average Market Cap

Item Value
Fund $80.2B
Category Average* $97.3B

Effective Duration

Item Value
Fund 4.90 YRS
Category Average* 8.29 YRS

Equity Sector Breakdown

MoA Clear Passage 2070 Fund™
Morningstar Target-Date 2065+ Category Avg
Sector Fund Category
Information Technology 20.65 20.47
Financials 17.72 16.92
Industrials 14.59 12.26
Consumer Discretionary 11.10 10.09
Healthcare 10.22 9.35
Communication Services 6.11 7.22
Consumer Staples 5.87 5.37
Materials 3.61 4.07
Energy 3.55 3.53
Real Estate 3.44 8.42
Utilities 3.12 2.31

Fixed Income Sector Breakdown

MoA Clear Passage 2070 Fund™
Morningstar Target-Date 2065+ Category Avg
Sector Fund Category
Government 54.06 46.27
Corporate 26.16 11.64
Securitized 12.60 12.74
Cash & Equivalents 7.17 25.32
Derivative 0.02 3.79

MoA Clear Passage 2070 Fund™ Literature