Five dimensions. One declared peer universe.
Return delivery, downside behavior, consistency, cost efficiency and portfolio discipline describe different aspects of a fund. A five-axis profile helps scanning; the numerical contributions and source facts explain the result. Polygon area is not an additional rating.
Publication status
The initial family model is a published specification, not an activated rating. Numeric fund scores remain unavailable until complete source inputs and family-specific definitions pass qualification. Unavailable values are not replaced with zero or silently reweighted.
Minimum full-score eligibility
- 36 verified monthly total-return observations, including distribution and unit-action adjustments.
- At least ten independent comparable economic portfolios, with effective-dated peer groups.
- Comparable actual costs and every mandatory portfolio dimension.
- Validated source identities, observations, freshness and methodology version.
Peer percentile calculation
P = 100 × [L + (E - 1) / 2] / (N - 1) L = peers below the oriented value E = peers equal to it, including the fund N = eligible independent peers Composite = sum(dimension × published weight)
Fewer than ten independent peers means no headline rating. When all valid values tie, their percentile is 50. A category with only one fund does not receive a perfect score.
Candidate family weights
| Family | Return | Downside | Consistency | Costs | Portfolio |
|---|---|---|---|---|---|
| Equity | 30% | 25% | 20% | 15% | 10% |
| Money market | 20% | 25% | 20% | 15% | 20% |
| Income | 25% | 25% | 15% | 15% | 20% |
| Multi-asset | 25% | 25% | 20% | 15% | 15% |
| ETF & index | 25% | 20% | 15% | 25% | 15% |
These are initial research hypotheses, not validated optimal weights. A higher within-category score does not establish lower absolute risk than a fund in a different category.
No hidden personalization
Research candidates are based on explicit categories and comparison requests. We do not infer your risk tolerance, collect a suitability profile, or prescribe an allocation from your browsing history.