Should I invest in DWS Insta Cash Plus Fund?

We don't give personal investment advice. DWS Insta Cash Plus Fund-Institutional Plan-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. 5-year CAGR: 1.06%.

Deutsche

DWS Insta Cash Plus Fund-Institutional Plan-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%	+0.34%	-0.32	18 / 110	Q1
1W	+0.16%	+0.31%	-0.15	8 / 107	Q1
2W	+0.34%	+0.36%	-0.02	2 / 106	Q1
1M	+0.08%	+0.37%	-0.30	39 / 106	Q2
3M	+0.05%	+0.70%	-0.65	41 / 105	Q2
6M	+0.06%	-0.73%	+0.79	39 / 105	Q2
YTD	+0.34%	-1.59%	+1.92	34 / 102	Q2
1Y	+0.60%	-0.61%	+1.21	33 / 100	Q2
2Y	+0.80%	-0.86%	+1.66	30 / 96	Q2
3Y	—	—	—	—	—
4Y	—	—	—	—	—
5Y	+1.06%	+0.08%	+0.97	23 / 76	Q2
7Y	+0.66%	-1.37%	+2.03	21 / 53	Q2
10Y	—	—	—	—	—
Inception	+0.70%	-1.26%	+1.96	35 / 110	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
2013 YTD	+0.34%	+0.78%	-0.44	25 / 64
2012	+0.98%	+155.04%	-154.07	22 / 65
2011	+2.03%	-0.45%	+2.48	21 / 67
2010	—	—	—	—
2009	—	—	—	—
2008	—	—	—	—
2007	+0.50%	+0.04%	+0.46	17 / 48
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

+0.84%

42 windows

min -1.2% · max 4.2%

79% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+0.75%

18 windows

min -0.4% · max 1.8%

78% positive

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

5-Year rolling

+0.74%

26 windows

min 0.6% · max 1.1%

100% positive

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

7-Year rolling

+0.66%

1 window

min 0.7% · max 0.7%

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.

Recent NAVs

Date	NAV
15 Apr 2013	₹10.5402
14 Apr 2013	₹10.5378
12 Apr 2013	₹10.5330
11 Apr 2013	₹10.5306
10 Apr 2013	₹10.5282
9 Apr 2013	₹10.5257
8 Apr 2013	₹10.5233
7 Apr 2013	₹10.5211
5 Apr 2013	₹10.5163
4 Apr 2013	₹10.5143

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-Institutional Plan-Dividend is a Liquid from Deutsche (Institutional 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-Institutional Plan-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-Institutional Plan-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-Institutional Plan-Dividend has delivered a absolute return of 0.60% — +1.21 pp ahead of the Liquid category average of -0.61%. The fund ranks #33 of 100 in its category — the second (Q2) quartile.

DWS Insta Cash Plus Fund-Institutional Plan-Dividend doesn't have a complete 3-year window yet (we need at least 3 year of NAVs). Check the shorter-window returns above.

Over the trailing 5-year window, DWS Insta Cash Plus Fund-Institutional Plan-Dividend has delivered a CAGR of 1.06% — +0.97 pp ahead of the Liquid category average of 0.08%. The fund ranks #23 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in DWS Insta Cash Plus Fund-Institutional Plan-Dividend exactly 5 years ago would be worth approximately ₹105,402 today — a multiplier of 1.05×, based on the 5-year CAGR of 1.06%. The category average over the same window would have grown ₹1 lakh to ₹100,422.

A ₹10,000 monthly SIP in DWS Insta Cash Plus Fund-Institutional Plan-Dividend over the last 3 years — total invested ₹320,000 — would be worth ₹324,435 today. That's an XIRR (money-weighted annualised return) of 1.00%.

DWS Insta Cash Plus Fund-Institutional Plan-Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹324,435 — XIRR 1.00%.

On a 5-year basis, DWS Insta Cash Plus Fund-Institutional Plan-Dividend ranks #23 out of 76 funds in the Liquid category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.08%; this fund delivered 1.06%.

DWS Insta Cash Plus Fund-Institutional Plan-Dividend doesn't have a computed drawdown figure yet.

Across all 5-year rolling windows, DWS Insta Cash Plus Fund-Institutional Plan-Dividend averaged 0.74% (best 1.06%, worst 0.57%). 100% of rolling windows ended positive.

In calendar year 2012, DWS Insta Cash Plus Fund-Institutional Plan-Dividend returned 0.98% — lagging the Liquid category average of 155.04% by 154.07 pp. It ranked #22 of 65 in its category that year.

DWS Insta Cash Plus Fund-Institutional Plan-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-Institutional Plan-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. 5-year CAGR: 1.06%.

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