A rating that shows its work, including its limits.

The GuideFin rating compares a fund with others in its own category. It is a category-relative snapshot of past behaviour. It is not a prediction.

The four things we look at

We look at how a fund has behaved over several years, so one good year cannot carry it. A small cap fund is only compared with other small cap funds.

Beat its index

Has the fund done better than the market index it is measured against?

Return for the risk

How much return did investors get for the ups and downs they sat through?

Consistency

Has it done well again and again, or only once in a while?

Holds up in falls

How did it cope when markets fell, and how quickly did it recover?

Want to see how a fund does on each of these? It is all in the app.

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Fund summary screen with a category-relative rating and the factor breakdown
Illustrative, data as of November 2026. Not a recommendation.

We tested whether top-ranked funds stayed ahead. Not reliably.

We took the rankings as they stood in 2022 and 2023, then checked what those funds returned afterwards. The gap between the ranked shortlist and the category average stayed within 0.6% a year, in either direction. That is small enough to be noise.

So treat the rating as a way to shortlist funds for your own research.

What it does not cover

Funds under three years oldThey show as not rated. That is a gap in the data, not a judgement.
Debt fundsReturn gaps are usually too small to rank honestly.
The futurePast behaviour does not tell you what a fund will return.