# Introducing InvestHQ - A Mutual Fund Simulator for the Curious Indian Investor
Published: 2025-04-23
Meta Title: Introducing InvestHQ - A Mutual Fund Simulator
Meta Description: Explore InvestHQ – Analyse 25000+ Mutual Funds and Backtest them using our FREE Mutual Fund Calculator for Backtesting. Optimise your MF portfolio for better returns.
URL: https://investhq.in/blog/introducing-investhq/

![](https://prod.superblogcdn.com/site_cuid_cm9txj18z00p514n5purml2cp/images/add-a-subheading-2400-x-1600-px-1747655818378-compressed.png)

_(TL;DR: Build any MF portfolio ➞ test lumpsum, SIP, or auto‑rebalance ➞ see how it might have fared in the past. Free for now - give it a spin and tell me what breaks.)_

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## **Why another “Mutual Fund Calculator”?**

![](https://prod.superblogcdn.com/site_cuid_cm9txj18z00p514n5purml2cp/images/mf-1745485179765-compressed.png)

Because most calculators stop at **static CAGR tables**. Markets - and portfolios - don’t move in straight lines, so why should our tools?

[InvestHQ](https://investhq.in/) lets you:

1. **Mix & match any Indian mutual funds** into a portfolio you actually care about.

2. **Replay history**: Lump‑sum or SIP from any start date to any end date.

3. **Stress‑test rebalancing** in three flavours:

\- Frequency‑based (monthly, quarterly, yearly…)

\- Band‑based (rebalance only if a weight drifts outside ±X%)

\- Hybrid (bands checked on your chosen frequency)

4. **Compare the ride**: A smoother volatility profile often costs a few - or a few dozen-basis points of return. Now you can measure that trade‑off, not guess.

_Exit‑load logic, full tax modelling, and selectable transaction‑cost assumptions are coming soon._

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## **The back‑story (a confession)**

I’ve spent 15 years as an options market‑maker and HFT technologist - hip‑deep in volatility, Greeks, and nanoseconds. Yet my personal capital? Mostly parked in money‑market funds.

- **2008 crash trauma:** I cut my teeth on a short‑vol desk during the GFC while reading Shiller’s Irrational Exuberance. Valuations looked doomed forever.

- **Perma‑bear inbox:** I subscribed to every newsletter that screamed “SPY overvalued at 200!” and missed a decade‑long melt‑up.

- **Debt‑heavy portfolio:** Fast‑forward to 2025 in India - I’ve got rupees to deploy and a risk budget stuck in 2009.

Building InvestHQ is my way to **face the data** instead of the doom‑scroll. If a tool can help me shake analysis paralysis, maybe it can help others, too.

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## **What makes InvestHQ different?**

Features

Most Calculators

InvestHQ

Multiple funds in one run

1-2 max funds

Unlimited (mix equity, debt, hybrid)

SIP simulation

Basic

Any start/end date, variable amount, step-up SIP, Smart SIP that channels new money to under-weight funds before any selling

Rebalancing Options

Rare

Frequency-based, band-based, or hybrid (bands tested on the chosen frequency)

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### **How to use it in 60 seconds**

1. **Pick funds:** Search by name or category.

2. **Choose mode:**

\- Lump‑sum → One‑shot investment.

\- SIP → Monthly, weekly, custom date. Smart‑SIP behaves exactly like a diligent investor: new money first restores target weights, then tops up proportionally.

3. **Flip the “Rebalance” switch** and set frequency and/or bands.

4. **Hit Run**: Graphs update; metrics refresh.

5. **Tinker**: Change weights, add/delete funds, compare runs side‑by‑side.

Full walkthrough video ➞ [**Watch here**](https://youtu.be/LUNIcRRsMtY?si=6UwF05_7SIPP2RX5).

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## **Caveats & realistic expectations**

- **Past ≠ future**: We’re replaying history, not predicting it.

- **Data quirks**: Some funds merge or change mandate; we handle most cases, but yell if we can’t.

- **Transaction costs & tax impact**: Not modelled yet - both will be toggleable soon.

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## **Call to action**

1\. Check it out at [InvestHQ](https://investhq.in/) (desktop & mobile).

2. **Tell us what’s confusing or broken** \- screenshots help!

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## **Final thoughts: from trading ticks to compounding bricks**

Building pipes for HFT taught me the beauty of micro‑edges. Investing, though, is the macro edge: patience, diversification, and letting capitalism do the heavy lifting. [InvestHQ](https://investhq.in/) is my attempt to bridge those mindsets - quant‑rigour meets long‑term common sense.

Hope it helps you, too.

**\- Raghav Malik**

_(Founder & CEO, AlgoTest)_


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