Methodology
You already know what to do. Start a SIP, stay invested, ignore the noise. Knowing was never the problem. Doing it for twenty years straight is. Third Rock Wealth exists to close that gap. Research to pick the fund. Discipline to keep you in it. A partner when it gets hard.
Owning the right portfolio of funds for your goals, your risk profile, your horizon. Not whatever was top of last year’s leaderboard. Not the fund your colleague mentioned. The right portfolio is goal-built, documented, and defensible.
Our research desk does the work. You see the rationale.
Continuing the SIP when markets are down. Not redeeming when the news cycle gets loud. Not adding to a fund just because it had a good quarter. Consistency is what separates the investor who earns the fund's return from the one who earns significantly less.
A partner on the phone when the discipline is hardest to hold.
Markets shift. Circumstances change. A fund you hold today may not be the right fund a year from now. We review your mutual fund portfolio based on market conditions and scheme performance, and flag when a change may be worth considering.
Periodic reviews · Available when you need them.
The market moves daily. Most days, the right thing is to do nothing, and that takes more discipline than most realise. We help you see when market conditions or scheme changes indicate a review may be due, and when staying the course is the right call.
Cooling-off calls. Patience over impulse. No unforced errors.
Indian investors typically earn over 5 percentage points per year less than the funds they own. Not because they pick bad funds, because they get in late, get out early, and stop their SIP when the market tests them. The gap compounds.
Inflation print, election noise, Fed move, sector rotation, “the market is overheated.” 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 its category for some stretch. The good ones outlast the stretch. But your fund will have a year where it lags, and a friend’s fund will have a year where it doesn’t. The pull to switch is constant. The cost of switching, compounded, is staggering.
A bonus is sitting idle. A relative needs ₹5 lakh. The car breaks down. Your daughter’s tuition is due. Each of these is a moment where your portfolio can quietly come apart, not by design, but by attrition. A partner who knows your portfolio keeps it intact through these.
Your bank’s relationship manager has a quota. The influencers' incentive is views. The structural alignment of being paid by the AMC, only when you stay invested, is rarer than it should be.
That’s the work, to hold the discipline of investing alongside you. Every fund selection, every periodic review, every cooling-off conversation exists to make sure your portfolio survives the cycle that wants to break it.
A research desk underneath everything. A goal-aligned portfolio on top. A named partner on the phone when it matters. The three layers compound, you don’t have to choose between them.
Mutual funds across every SEBI category, monitored by our research desk with 17+ years of institutional equity research lineage. We maintain a focused curated fund list, and we tell you why each one earned a place on it, in plain English, in writing, in your Client Report Card.
Your goals, your horizon, your risk profile, your liquidity needs. These parameters guide which funds from our curated list we bring to your attention. Not a one-size template — a selection matched to your profile.
A partner who answers the phone when markets get loud. Cooling-off calls before any redemption. Quarterly Client Report Cards. Change alerts when our view shifts, not at quarter-end.
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.
Research is only useful if it reaches you on time, in a form you can act on. Here's what arrives, and when.
No PDF dumps you'll never read. No "monthly newsletter" with the same template every month. Each piece of communication is short, dated, and tied to a decision you might want to make.
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.