Should I invest in DWS Insta Cash Plus Fund?

We don't give personal investment advice. DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY 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: 0.4%. 5-year CAGR: -0.01%.

Deutsche

DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY 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	-0.08%	-3.56%	+3.48	77 / 84	Q4
1W	-0.10%	-3.52%	+3.42	75 / 84	Q4
2W	-0.07%	-3.50%	+3.43	72 / 84	Q4
1M	-0.06%	-6.74%	+6.69	73 / 87	Q4
3M	-0.08%	-6.22%	+6.14	76 / 86	Q4
6M	-0.09%	-6.43%	+6.34	71 / 84	Q4
YTD	-0.12%	-6.15%	+6.03	72 / 85	Q4
1Y	-0.09%	-5.38%	+5.30	69 / 84	Q4
2Y	-0.04%	-6.52%	+6.49	67 / 86	Q4
3Y	-0.02%	-6.38%	+6.36	63 / 85	Q3
4Y	-0.01%	-7.58%	+7.56	49 / 74	Q3
5Y	-0.01%	-4.41%	+4.41	47 / 61	Q4
7Y	-0.02%	+0.51%	-0.52	45 / 50	Q4
10Y	+0.18%	+0.08%	+0.10	26 / 47	Q3
Inception	+0.18%	-6.05%	+6.23	47 / 88	Q3

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	-0.12%	+2.54%	-2.66	48 / 49
2015	+0.02%	+2.88%	-2.86	26 / 50
2014	0.00%	+2.21%	-2.22	45 / 50
2013	-0.02%	+2.22%	-2.24	48 / 51
2012	+0.02%	+2.94%	-2.92	37 / 58
2011	+0.02%	-4.13%	+4.15	37 / 67
2010	+0.06%	-2.87%	+2.93	33 / 68
2009	-0.07%	-0.61%	+0.54	59 / 63
2008	+1.16%	+2.48%	-1.32	21 / 54
2007	+0.30%	+2.06%	-1.76	18 / 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

+0.18%

109 windows

min -0.2% · max 1.3%

70% positive

3-Year rolling

+0.15%

85 windows

min 0.0% · max 0.6%

71% positive

5-Year rolling

+0.13%

61 windows

min 0.0% · max 0.4%

72% positive

7-Year rolling

+0.15%

36 windows

min 0.0% · max 0.3%

86% 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

0.22%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.41%

Apr 2013 → Jul 2013

% positive months

58.3%

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	₹10.3538
3 Mar 2016	₹10.3616
2 Mar 2016	₹10.3599
1 Mar 2016	₹10.3582
29 Feb 2016	₹10.3567
28 Feb 2016	₹10.3551
26 Feb 2016	₹10.3646
25 Feb 2016	₹10.3631
24 Feb 2016	₹10.3616
23 Feb 2016	₹10.3600

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-WEEKLY 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-WEEKLY 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-WEEKLY 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-WEEKLY DIVIDEND has delivered a absolute return of -0.09% — +5.3 pp ahead of the Liquid category average of -5.38%. The fund ranks #69 of 84 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND has delivered a CAGR of -0.02% — +6.36 pp ahead of the Liquid category average of -6.38%. The fund ranks #63 of 85 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND has delivered a CAGR of -0.01% — +4.41 pp ahead of the Liquid category average of -4.41%. The fund ranks #47 of 61 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND exactly 10 years ago would be worth approximately ₹101,839 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.18%. 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-WEEKLY DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹599,496 today. That's an XIRR (money-weighted annualised return) of -0.03%.

DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹839,355 — XIRR -0.02%.

On a 5-year basis, DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND ranks #47 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 -0.01%.

The worst peak-to-trough decline DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND has experienced over the last 5-year window is 0.43% — its NAV fell from a high on 13 Apr 2012 to a low on 16 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 Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND averaged 0.13% (best 0.39%, worst -0.01%). 72% of rolling windows ended positive.

In calendar year 2015, DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY DIVIDEND returned 0.02% — lagging the Liquid category average of 2.88% by 2.86 pp. It ranked #26 of 50 in its category that year.

DWS Insta Cash Plus Fund-DIVIDEND-WEEKLY 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-WEEKLY 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: 0.4%. 5-year CAGR: -0.01%.

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