Should I invest in DWS Insta Cash Plus Fund-Weekly Dividend?

We don't give personal investment advice. DWS Insta Cash Plus Fund-Institutional Plan-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. 5-year CAGR: -0.29%.

Deutsche

DWS Insta Cash Plus Fund-Institutional Plan-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	+0.00%	+0.34%	-0.34	74 / 110	Q3
1W	—	—	—	—	—
2W	—	—	—	—	—
1M	—	—	—	—	—
3M	-3.84%	+0.70%	-4.54	103 / 105	Q4
6M	-3.85%	-0.73%	-3.12	101 / 105	Q4
YTD	-3.75%	-1.59%	-2.16	99 / 102	Q4
1Y	-3.33%	-0.61%	-2.71	97 / 100	Q4
2Y	-0.42%	-0.86%	+0.44	93 / 96	Q4
3Y	-0.27%	-1.06%	+0.79	86 / 89	Q4
4Y	-0.08%	-1.39%	+1.31	75 / 86	Q4
5Y	-0.29%	+0.08%	-0.37	72 / 76	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.10%	-1.26%	+1.16	101 / 110	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
2012 YTD	-3.75%	+155.04%	-158.79	65 / 65
2011	+3.07%	-0.45%	+3.53	20 / 67
2010	+0.06%	-1.24%	+1.30	37 / 73
2009	—	—	—	—
2008	—	—	—	—
2007	+0.27%	+0.04%	+0.24	18 / 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

+0.52%

60 windows

min -3.3% · max 3.9%

78% positive

3-Year rolling

+0.19%

41 windows

min -0.3% · max 1.3%

34% positive

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

5-Year rolling

+0.32%

20 windows

min -0.3% · max 0.5%

85% positive

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

7-Year rolling

—

Insufficient history

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
22 Nov 2012	₹10.0000
31 Oct 2012	₹10.0000
17 Oct 2012	₹10.3958
16 Oct 2012	₹10.3935
15 Oct 2012	₹10.3912
14 Oct 2012	₹10.3888
12 Oct 2012	₹10.4005
11 Oct 2012	₹10.3982
10 Oct 2012	₹10.3958
9 Oct 2012	₹10.3935

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-Weekly 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-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-Institutional Plan-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-Institutional Plan-Weekly Dividend has delivered a absolute return of -3.33% — -2.71 pp behind the Liquid category average of -0.61%. The fund ranks #97 of 100 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DWS Insta Cash Plus Fund-Institutional Plan-Weekly Dividend has delivered a CAGR of -0.27% — +0.79 pp ahead of the Liquid category average of -1.06%. The fund ranks #86 of 89 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DWS Insta Cash Plus Fund-Institutional Plan-Weekly Dividend has delivered a CAGR of -0.29% — -0.37 pp behind the Liquid category average of 0.08%. The fund ranks #72 of 76 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DWS Insta Cash Plus Fund-Institutional Plan-Weekly Dividend exactly 5 years ago would be worth approximately ₹98,562 today — a multiplier of 0.99×, based on the 5-year CAGR of -0.29%. 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-Weekly Dividend over the last 5 years — total invested ₹530,000 — would be worth ₹521,600 today. That's an XIRR (money-weighted annualised return) of -0.65%.

DWS Insta Cash Plus Fund-Institutional Plan-Weekly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹521,600 — XIRR -0.65%.

On a 5-year basis, DWS Insta Cash Plus Fund-Institutional Plan-Weekly Dividend ranks #72 out of 76 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.08%; this fund delivered -0.29%.

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

Across all 5-year rolling windows, DWS Insta Cash Plus Fund-Institutional Plan-Weekly Dividend averaged 0.32% (best 0.54%, worst -0.29%). 85% of rolling windows ended positive.

In calendar year 2011, DWS Insta Cash Plus Fund-Institutional Plan-Weekly Dividend returned 3.07% — beating the Liquid category average of -0.45% by 3.53 pp. It ranked #20 of 67 in its category that year.

DWS Insta Cash Plus Fund-Institutional Plan-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-Institutional Plan-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. 5-year CAGR: -0.29%.

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