Methodology
Wealth through investing requires compounding over decades. Dabbling in funds will not do it. Third Rock Wealth recommendations begin with research and building a portfolio that matches your goal. Partnering you to build your conviction and keeping the discipline of investing is what everyone does at TRW
Owning the right portfolio of funds for your goals, your risk profile, your horizon. Not whatever were last year's top performers. Not the funds hot in the media. The right portfolio is determined by your goal, risk profile and backed by research.
Our research desk does the work. You see the rationale.
Continuing to invest when markets are down. Not redeeming when the negative news gets loud. Not adding to a fund just because its NAV is rising. Consistency is what delivers returns that get you to your goal the fastest.
A partner to consult when the discipline is hardest to hold.
Markets shift. Circumstances change. A fund you hold may not be right in the future. We review your mutual fund portfolio and flag when a change needs to be made, whether it's pausing the SIP, or replacing one.
Periodic reviews so nothing is missed.
The market moves for various reasons other than fundamentals. Most times, the right thing is to do nothing, and that takes more discipline than most realise. We assess and help you ignore movements when staying the course is the right thing to do.
Patience over impulse. No unforced errors.
Individual behaviour is a key reason why investors earn less than the funds they own. Typically, they get in late, get out early, and stop their SIP when they shouldn't. And they find it very hard to avoid this.
The information overload is here to stay and will get worse. A confident sounding voice on a screen makes you doubt a decision you made when you were thinking clearly. Most investors act on the doubt.
Every fund underperforms for some time. The good ones outlast the tough stretch and deliver. But sustaining the discomfort of under-performance is difficult and most investors escape it by selling the fund and investing in one that is running up. The cost of these mis-steps can be staggering.
Expected and unexpected events happen when you need to take a financial decision that can affect your investment portfolio. Being immersed in the life event exposes you to taking an emotion-driven financial decision that is suboptimal.
Finding objective financial advice is hard. Most professionals face structural conflicts of interest, from employees chasing sales quotas to online influencers chasing views.
Basic details and identity verification. Paperless. About 15 minutes.
We understand your risk appetite, investment horizon, and comfort with volatility.
Your goals, time horizons, and current holdings are mapped. Everything flows from here.
We share a goal-aligned fund portfolio with rationale. Accept, adjust, or schedule a call to discuss.
SIPs are set up. Lumpsum investments go in. Your portfolio is live.
Your dashboard shows performance, portfolio health, and upcoming milestones.
Periodic portfolio reviews. Changes made when needed — not before.
Every fund on our screener carries a Third Rock Wealth Score — a single number from 0 to 5.
It is not a label our desk hands out; it is the fund’s research composite score, rescaled. Equity, debt, and hybrid funds each run through their own composite, because what makes a debt fund good is not what makes an equity fund good. The five parameters below are not five separate verdicts — they are that one composite, broken into its parts, so you can see exactly what drove the number.
No fund pays to be scored.
Nothing is hidden.
The score is recomputed every month.
How well a fund has been rewarded for the risk it took. For an equity fund, that is sustained outperformance of its benchmark across a full market cycle. For a debt fund, it is risk-adjusted return measured against its peers. Short-term noise is excluded either way.
How a fund protects you when conditions turn. For an equity fund, that is how little of a market fall it captures, and how much room it has left before size starts to work against it. For a debt fund, it is the credit quality of what it holds. A fund built to lose less scores higher.
Whether a fund does what it is meant to, again and again. For an equity fund, that means beating its benchmark across rolling periods — not winning once. For a debt fund, it means holding to its duration mandate; for a hybrid fund, holding to its equity-allocation mandate. Consistency is staying in character.
How long the current manager has run the scheme — so the track record you are evaluating belongs to the person still managing the money. This carries real weight for an equity fund. For debt and hybrid funds, where a defined mandate matters more than any one manager, it is a deliberately light factor; you may see a low or empty Manager Quality bar there, and that is by design.
A fund’s expense ratio benchmarked against what’s reasonable for its specific SEBI category. A large-cap fund and a small-cap fund are held to different cost standards because the underlying economics are different.
The five parameters are not added up to make the score — they are the score, separated out. Each one is a fixed share of the same composite our research desk computes, so the five bars always reconcile to the number above them. Every input lands in exactly one parameter; nothing is counted twice. Scores are recomputed monthly from the research pipeline, using data from AMFI, scheme documents, and AMC disclosures.
What the score is
A quantitative filter. It tells you which funds clear a measurable bar across five dimensions. Every fund on the screener is scored the same way, and the score updates monthly.
What the score is not
A recommendation. The score does not know your goals, your risk tolerance, your horizon, or your tax situation. A high-scoring fund may not be the right fund for you. That’s what the conversation with your partner is for.
Finalised clients see additional depth in the gated dashboard: benchmark-consistency analysis and the full research view.
Ready to see the work?
A short conversation. No commitment. We'll walk you through which funds from our curated list align with goals like yours.