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

We don't give personal investment advice. DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus 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: 17.4%. 5-year CAGR: 0.38%.

Deutsche

DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus

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%	+0.01%	+0.01	19 / 34	Q3
1W	+0.11%	+0.04%	+0.07	11 / 33	Q2
2W	+0.23%	+0.09%	+0.14	10 / 33	Q2
1M	+0.45%	+0.18%	+0.27	9 / 34	Q2
3M	+1.34%	+0.07%	+1.26	10 / 34	Q2
6M	+2.70%	+0.79%	+1.91	8 / 34	Q1
YTD	+0.92%	+1.47%	-0.54	10 / 32	Q2
1Y	+5.80%	+2.17%	+3.62	8 / 32	Q1
2Y	+6.21%	+3.02%	+3.20	9 / 27	Q2
3Y	+6.66%	+3.56%	+3.10	8 / 17	Q2
4Y	+3.25%	+3.15%	+0.10	8 / 17	Q2
5Y	+0.38%	+2.55%	-2.17	9 / 16	Q3
7Y	+1.74%	+2.77%	-1.03	4 / 9	Q2
10Y	—	—	—	—	—
Inception	+2.40%	+1.85%	+0.54	11 / 34	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
2016 YTD	+0.92%	+2.37%	-1.45	3 / 6
2015	+5.91%	+3.56%	+2.35	3 / 6
2014	+6.67%	+3.32%	+3.36	3 / 9
2013	-7.17%	+2.41%	-9.58	13 / 13
2012	+8.92%	+4.24%	+4.68	2 / 16
2011	-10.50%	+2.94%	-13.44	16 / 16
2010	+5.17%	+1.87%	+3.30	2 / 26
2009	+5.20%	+1.35%	+3.85	2 / 31
2008	+2.84%	+2.27%	+0.58	8 / 25
2007	—	—	—	—

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

+2.29%

96 windows

min -12.3% · max 9.0%

75% positive

3-Year rolling

+0.91%

71 windows

min -4.0% · max 6.8%

59% positive

5-Year rolling

+0.50%

47 windows

min -0.9% · max 2.1%

94% positive

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

7-Year rolling

+1.69%

23 windows

min 1.3% · max 2.1%

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

0.31%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.26%

Jul 2013 → Jul 2013

% positive months

100.0%

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
4 Mar 2016	₹12.3243
3 Mar 2016	₹12.3223
2 Mar 2016	₹12.3203
1 Mar 2016	₹12.3183
29 Feb 2016	₹12.3164
28 Feb 2016	₹12.3146
26 Feb 2016	₹12.3110
25 Feb 2016	₹12.3092
24 Feb 2016	₹12.3074
23 Feb 2016	₹12.3056

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-Regular Plan-Weekly Bonus is a Liquid from Deutsche (Regular 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-Regular Plan-Weekly Bonus has NAV history starting from 14 May 2007, a track record of about 19 years. 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-Regular Plan-Weekly Bonus 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-Regular Plan-Weekly Bonus has delivered a absolute return of 5.80% — +3.62 pp ahead of the Liquid category average of 2.17%. The fund ranks #8 of 32 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus has delivered a CAGR of 6.66% — +3.1 pp ahead of the Liquid category average of 3.56%. The fund ranks #8 of 17 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus has delivered a CAGR of 0.38% — -2.17 pp behind the Liquid category average of 2.55%. The fund ranks #9 of 16 in its category — the third (Q3) quartile.

₹1 lakh invested in DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus exactly 5 years ago would be worth approximately ₹101,923 today — a multiplier of 1.02×, based on the 5-year CAGR of 0.38%. The category average over the same window would have grown ₹1 lakh to ₹113,435.

A ₹10,000 monthly SIP in DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹670,702 today. That's an XIRR (money-weighted annualised return) of 4.40%.

DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹929,754 — XIRR 2.86%.

On a 5-year basis, DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus ranks #9 out of 16 funds in the Liquid category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 2.55%; this fund delivered 0.38%.

The worst peak-to-trough decline DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus has experienced over the last 5-year window is 17.42% — its NAV fell from a high on 23 Mar 2011 to a low on 03 Jan 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-Regular Plan-Weekly Bonus averaged 0.50% (best 2.11%, worst -0.91%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is -0.57 — negative risk-adjusted performance.

In calendar year 2015, DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus returned 5.91% — beating the Liquid category average of 3.56% by 2.35 pp. It ranked #3 of 6 in its category that year.

DWS Insta Cash Plus Fund-Regular Plan-Weekly Bonus 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-Regular Plan-Weekly Bonus 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: 17.4%. 5-year CAGR: 0.38%.

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