In-form and Out-of-form: What does this mean?

Most investors check returns. Few check the “form” of a fund.

Some mutual funds start strong but lose momentum over time. It could be due to market shifts, wrong stock picks, or strategy changes. But here’s a thing:

1) The chances of such funds to start performing great again are less

2) Recovery could take years, meaning lost returns for investors every year

Our job at PowerUp Money is to identify these patterns and rate with high conviction.

Here’s what each of the ratings mean:

• In-form: Among the top performers in its category
• On-track: Performing better than most funds
• Off-track: Falling behind most funds
• Out-of-form: Among the lowest performers

Note: We don’t label funds ‘out-of-form’ lightly. Only consistently underperforming funds get this tag. And switching to better funds can significantly improve your portfolio performance.

➡️ The science behind PowerUp Ratings

We’ve studied every mutual fund since inception and back-tested 20+ years of data.

Our rating engine combines quantitative analysis and expert judgement to create ratings that aren’t just historical, but predictive.

Quantitative lens:

We measure each fund on factors that reveal both performance and consistency:

• Rolling returns – measures how consistent the fund’s returns have been over time
• Volatility – tells how well a fund protects capital during downturns
• Recent performance – captures how well a fund has performed in the last 2 years

Qualitative lens:

Our experts then weigh in on what data can’t yet capture:

• Changes in fund manager
• Fund strategy shifts
• Risk composition shifts

This combination ensures each rating reflects both current performance and evolving fund dynamics.

⭐️ Keeping your funds in top shape

We constantly monitor and evaluate funds every month, ensuring ratings remain up to date with the latest data and market insights.

As an 🔶 Elite member, you also receive a personalised rebalancing plan that helps you exit underperforming funds and switch to top-ranked ones in a tax-efficient way.

🌱 Our advice is 100% unbiased

We are a SEBI-registered RIA and do not earn commissions from mutual fund houses. Our only revenue comes from the fixed Elite membership fee (₹999/yr + GST).

This means our sole incentive is to provide quality research and insights that are always in your best interest.