The combination of an Average People Pillar rating and a Below Average Process Pillar rating limit Multi-Asset Diversified Income ETF to a Morningstar Quantitative Rating of Neutral. The portfolio maintains a sizable cost advantage over competitors, priced within the least expensive fee quintile among peers. The strategy changed its peer group in November, moving from the Allocation--50% to 70% Equity category to the Allocation--85%+ Equity Morningstar Category.