Should I invest in DWS MONEY PLUS ADVANTAGE FUND- Inst-Div?

We don't give personal investment advice. DWS MONEY PLUS ADVANTAGE FUND- Inst-Div is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding.

Deutsche

DWS MONEY PLUS ADVANTAGE FUND- Inst-Div

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	-0.06%	+0.06%	-0.12	31 / 37	Q4
1W	-0.11%	-7.52%	+7.41	29 / 40	Q3
2W	-1.01%	-7.64%	+6.64	34 / 40	Q4
1M	-2.22%	-7.66%	+5.44	33 / 40	Q4
3M	-1.37%	-9.18%	+7.80	19 / 40	Q2
6M	-0.66%	-5.67%	+5.00	26 / 39	Q3
YTD	-2.59%	-3.70%	+1.11	24 / 40	Q3
1Y	-0.81%	-4.99%	+4.18	26 / 41	Q3
2Y	-0.53%	-11.97%	+11.43	24 / 40	Q3
3Y	+1.10%	-14.60%	+15.70	20 / 38	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.21%	-12.19%	+13.40	22 / 44	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
2011 YTD	-2.59%	-16.46%	+13.87	5 / 29
2010	+1.74%	-7.06%	+8.79	19 / 32
2009	+0.09%	+37.12%	-37.04	29 / 31
2008	+3.97%	-26.22%	+30.19	3 / 29
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

+1.74%

28 windows

min -1.6% · max 5.3%

64% positive

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

3-Year rolling

+1.61%

4 windows

min 1.1% · max 1.8%

100% positive

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

5-Year rolling

—

Insufficient history

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.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.04%

3-year · annualised

Sharpe ratio

-1.76

vs risk-free 6.5%

Sortino ratio

-3.00

Downside-only deviation

Max drawdown

-5.50%

Aug 2009 → Jan 2011

% positive months

52.8%

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 Feb 2011	₹10.4064
3 Feb 2011	₹10.4125
2 Feb 2011	₹10.4104
1 Feb 2011	₹10.4230
31 Jan 2011	₹10.3952
28 Jan 2011	₹10.4176
27 Jan 2011	₹10.5209
25 Jan 2011	₹10.5269
24 Jan 2011	₹10.5172
21 Jan 2011	₹10.5122

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 MONEY PLUS ADVANTAGE FUND- Inst-Div is a Balanced 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 MONEY PLUS ADVANTAGE FUND- Inst-Div has NAV history starting from 05 Nov 2007, a track record of about 18 years 7 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 MONEY PLUS ADVANTAGE FUND- Inst-Div is managed by Deutsche. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS MONEY PLUS ADVANTAGE FUND- Inst-Div has delivered a absolute return of -0.81% — +4.18 pp ahead of the Balanced category average of -4.99%. The fund ranks #26 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DWS MONEY PLUS ADVANTAGE FUND- Inst-Div has delivered a CAGR of 1.10% — +15.7 pp ahead of the Balanced category average of -14.60%. The fund ranks #20 of 38 in its category — the third (Q3) quartile.

DWS MONEY PLUS ADVANTAGE FUND- Inst-Div doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in DWS MONEY PLUS ADVANTAGE FUND- Inst-Div exactly 3 years ago would be worth approximately ₹103,348 today — a multiplier of 1.03×, based on the 3-year CAGR of 1.10%. The category average over the same window would have grown ₹1 lakh to ₹62,293.

A ₹10,000 monthly SIP in DWS MONEY PLUS ADVANTAGE FUND- Inst-Div over the last 3 years — total invested ₹360,000 — would be worth ₹358,765 today. That's an XIRR (money-weighted annualised return) of -0.22%.

DWS MONEY PLUS ADVANTAGE FUND- Inst-Div doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹358,765 — XIRR -0.22%.

On a 3-year basis, DWS MONEY PLUS ADVANTAGE FUND- Inst-Div ranks #20 out of 38 funds in the Balanced category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -14.60%; this fund delivered 1.10%.

The worst peak-to-trough decline DWS MONEY PLUS ADVANTAGE FUND- Inst-Div has experienced over the last 3-year window is 5.50% — its NAV fell from a high on 28 Aug 2009 to a low on 31 Jan 2011. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, DWS MONEY PLUS ADVANTAGE FUND- Inst-Div averaged 1.61% (best 1.82%, worst 1.10%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -1.76 — negative risk-adjusted performance.

In calendar year 2010, DWS MONEY PLUS ADVANTAGE FUND- Inst-Div returned 1.74% — beating the Balanced category average of -7.06% by 8.79 pp. It ranked #19 of 32 in its category that year.

DWS MONEY PLUS ADVANTAGE FUND- Inst-Div is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. DWS MONEY PLUS ADVANTAGE FUND- Inst-Div is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding.

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