Runs the laddered dip-buy strategy on every fund with full history over the window, then aggregates. Set a ₹ budget to cap total capital across all funds — buys that would breach it are skipped (capital frees only on a sell, forcing it to recycle). The idle reserve (budget − deployed) earns idle yield % in a liquid fund, folded into a blended return on budget — the honest figure for a fixed amount. Leave budget 0 for uncapped: deployment balloons in selloffs to the peak capital shown. Portfolio XIRR is money-weighted across every fund's cashflows.