Should I invest in DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV?

We don't give personal investment advice. DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.0%. 5-year CAGR: 0.89%.

Deutsche

DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.01%	-9.99%	+10.00	193 / 1129	Q1
1W	+0.15%	-13.04%	+13.19	175 / 1151	Q1
2W	+0.30%	-13.18%	+13.48	145 / 1149	Q1
1M	+0.03%	-13.26%	+13.29	347 / 1137	Q2
3M	-0.03%	-13.15%	+13.11	491 / 1116	Q2
6M	-0.04%	-15.45%	+15.41	499 / 906	Q3
YTD	+0.49%	-15.77%	+16.27	372 / 952	Q2
1Y	+0.02%	-13.09%	+13.11	439 / 820	Q3
2Y	+0.88%	-12.72%	+13.60	221 / 446	Q2
3Y	+0.50%	-11.01%	+11.51	208 / 385	Q3
4Y	+0.68%	-6.52%	+7.20	188 / 339	Q3
5Y	+0.89%	-7.36%	+8.26	166 / 314	Q3
7Y	+0.94%	+2.53%	-1.59	141 / 234	Q3
10Y	—	—	—	—	—
Inception	+1.03%	-13.63%	+14.66	403 / 1199	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2015 YTD	+0.49%	+2.22%	-1.73	130 / 216
2014	-0.21%	+5.51%	-5.72	217 / 240
2013	+1.38%	-1.95%	+3.33	118 / 276
2012	+1.21%	+1.38%	-0.17	179 / 295
2011	+1.79%	-3.16%	+4.95	118 / 317
2010	+0.90%	-5.78%	+6.68	180 / 377
2009	+0.94%	-12.86%	+13.79	325 / 713
2008	+1.75%	-2.02%	+3.77	127 / 380

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.99%

80 windows

min -0.3% · max 2.2%

88% positive

3-Year rolling

+1.05%

56 windows

min 0.5% · max 1.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+1.06%

32 windows

min 0.8% · max 1.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+0.95%

7 windows

min 0.9% · max 1.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

1.22%

3-year · annualised

Sharpe ratio

-4.92

vs risk-free 6.5%

Sortino ratio

-8.02

Downside-only deviation

Max drawdown

-1.03%

Jun 2013 → Jul 2013

% positive months

50.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
24 Jul 2015	₹10.8019
23 Jul 2015	₹10.8004
22 Jul 2015	₹10.7976
21 Jul 2015	₹10.7945
20 Jul 2015	₹10.7920
17 Jul 2015	₹10.7861
16 Jul 2015	₹10.7839
15 Jul 2015	₹10.7816
14 Jul 2015	₹10.7784
13 Jul 2015	₹10.7754

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV is a Income from Deutsche (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV has NAV history starting from 11 Jan 2008, a track record of about 18 years 4 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV is managed by Deutsche. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV has delivered a absolute return of 0.02% — +13.11 pp ahead of the Income category average of -13.09%. The fund ranks #439 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV has delivered a CAGR of 0.50% — +11.51 pp ahead of the Income category average of -11.01%. The fund ranks #208 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV has delivered a CAGR of 0.89% — +8.26 pp ahead of the Income category average of -7.36%. The fund ranks #166 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV exactly 5 years ago would be worth approximately ₹104,546 today — a multiplier of 1.05×, based on the 5-year CAGR of 0.89%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV over the last 5 years — total invested ₹600,000 — would be worth ₹609,323 today. That's an XIRR (money-weighted annualised return) of 0.61%.

DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹861,954 — XIRR 0.73%.

On a 5-year basis, DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV ranks #166 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.89%.

The worst peak-to-trough decline DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV has experienced over the last 5-year window is 1.03% — its NAV fell from a high on 28 Jun 2013 to a low on 24 Jul 2013. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV averaged 1.06% (best 1.55%, worst 0.79%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -5.68 — negative risk-adjusted performance.

In calendar year 2014, DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV returned -0.21% — lagging the Income category average of 5.51% by 5.72 pp. It ranked #217 of 240 in its category that year.

DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. DWS CASH OPPORTUNITIES FUND 30DAY PLAN -DIV is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.0%. 5-year CAGR: 0.89%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.