Should I invest in DWS Insta Cash Plus Fund?

We don't give personal investment advice. DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND 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: 12.1%. 5-year CAGR: -2.20%.

Deutsche

DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND

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	+0.02%	-3.56%	+3.57	24 / 84	Q2
1W	-0.39%	-3.52%	+3.13	79 / 84	Q4
2W	-0.27%	-3.50%	+3.23	77 / 84	Q4
1M	-0.05%	-6.74%	+6.70	72 / 87	Q4
3M	-0.56%	-6.22%	+5.66	80 / 86	Q4
6M	-1.29%	-6.43%	+5.13	74 / 84	Q4
YTD	-0.27%	-6.15%	+5.88	74 / 85	Q4
1Y	-2.40%	-5.38%	+2.98	75 / 84	Q4
2Y	-2.03%	-6.52%	+4.50	75 / 86	Q4
3Y	-0.74%	-6.38%	+5.64	73 / 85	Q4
4Y	-0.32%	-7.58%	+7.26	63 / 74	Q4
5Y	-2.20%	-4.41%	+2.21	57 / 61	Q4
7Y	-1.30%	+0.51%	-1.81	48 / 50	Q4
10Y	-0.14%	+0.08%	-0.22	44 / 47	Q4
Inception	-0.14%	-6.05%	+5.90	76 / 88	Q4

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
2016 YTD	-0.27%	+2.54%	-2.81	49 / 49
2015	-2.45%	+2.88%	-5.33	50 / 50
2014	-1.59%	+2.21%	-3.80	49 / 50
2013	+3.10%	+2.22%	+0.88	16 / 51
2012	+1.10%	+2.94%	-1.83	22 / 58
2011	-10.20%	-4.13%	-6.08	61 / 67
2010	+1.48%	-2.87%	+4.35	21 / 68
2009	+0.58%	-0.61%	+1.19	21 / 63
2008	+4.76%	+2.48%	+2.28	14 / 54
2007	+2.43%	+2.06%	+0.37	12 / 45
2006	—	—	—	—

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

+0.04%

109 windows

min -11.5% · max 4.8%

70% positive

3-Year rolling

-0.15%

85 windows

min -3.1% · max 2.6%

46% positive

5-Year rolling

-0.44%

61 windows

min -2.2% · max 2.3%

23% positive

7-Year rolling

-0.15%

36 windows

min -1.3% · max 0.4%

53% 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

0.78%

3-year · annualised

Sharpe ratio

-9.31

vs risk-free 6.5%

Sortino ratio

-13.64

Downside-only deviation

Max drawdown

-5.07%

Aug 2013 → Feb 2016

% positive months

19.4%

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
4 Mar 2016	₹10.0265
3 Mar 2016	₹10.0249
2 Mar 2016	₹10.0233
1 Mar 2016	₹10.0216
29 Feb 2016	₹10.0201
28 Feb 2016	₹10.0186
26 Feb 2016	₹10.0657
25 Feb 2016	₹10.0643
24 Feb 2016	₹10.0628
23 Feb 2016	₹10.0613

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 Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND is a Liquid 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 Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND has NAV history starting from 02 Apr 2006, a track record of about 20 years 2 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 Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND is managed by Deutsche. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND has delivered a absolute return of -2.40% — +2.98 pp ahead of the Liquid category average of -5.38%. The fund ranks #75 of 84 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND has delivered a CAGR of -0.74% — +5.64 pp ahead of the Liquid category average of -6.38%. The fund ranks #73 of 85 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND has delivered a CAGR of -2.20% — +2.21 pp ahead of the Liquid category average of -4.41%. The fund ranks #57 of 61 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND exactly 10 years ago would be worth approximately ₹98,583 today — a multiplier of 0.99×, based on the 10-year CAGR of -0.14%. The category average over the same window would have grown ₹1 lakh to ₹100,791.

A ₹10,000 monthly SIP in DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹576,082 today. That's an XIRR (money-weighted annualised return) of -1.60%.

DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹794,125 — XIRR -1.59%.

On a 5-year basis, DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND ranks #57 out of 61 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -4.41%; this fund delivered -2.20%.

The worst peak-to-trough decline DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND has experienced over the last 5-year window is 12.08% — its NAV fell from a high on 25 Nov 2011 to a low on 16 Dec 2011. 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 Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND averaged -0.44% (best 2.25%, worst -2.20%). 23% of rolling windows ended positive. The 5-year Sharpe ratio is -1.54 — negative risk-adjusted performance.

In calendar year 2015, DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND returned -2.45% — lagging the Liquid category average of 2.88% by 5.33 pp. It ranked #50 of 50 in its category that year.

DWS Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND 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 Insta Cash Plus Fund-DIVIDEND-MONTHLY DIVIDEND 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: 12.1%. 5-year CAGR: -2.20%.

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