Should I invest in DWS PREMIER BOND FUND INST PLAN GROWTH?

We don't give personal investment advice. DWS PREMIER BOND FUND INST PLAN GROWTH 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: 2.79%.

Deutsche

DWS PREMIER BOND FUND INST PLAN GROWTH

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%	-9.99%	+10.01	160 / 1129	Q1
1W	+0.11%	-13.04%	+13.15	226 / 1151	Q1
2W	+0.33%	-13.18%	+13.51	138 / 1149	Q1
1M	+0.67%	-13.26%	+13.93	125 / 1137	Q1
3M	+1.27%	-13.15%	+14.42	237 / 1116	Q1
6M	+2.86%	-15.45%	+18.31	281 / 906	Q2
YTD	+3.55%	-15.77%	+19.32	198 / 952	Q1
1Y	+8.21%	-13.09%	+21.30	182 / 820	Q1
2Y	+8.02%	-12.72%	+20.74	67 / 446	Q1
3Y	+7.47%	-11.01%	+18.48	68 / 385	Q1
4Y	—	—	—	—	—
5Y	+2.79%	-7.36%	+10.15	117 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+3.62%	-13.63%	+17.25	343 / 1199	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
2015 YTD	+3.55%	+2.22%	+1.32	98 / 216
2014	+8.84%	+5.51%	+3.33	72 / 240
2013	+4.89%	-1.95%	+6.84	86 / 276
2012	—	—	—	—
2011	—	—	—	—
2010	+7.10%	-5.78%	+12.88	22 / 377
2009	+0.28%	-12.86%	+13.13	350 / 713
2008	—	—	—	—

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

+6.96%

44 windows

min 2.6% · max 11.8%

100% positive

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

3-Year rolling

+1.31%

29 windows

min -1.2% · max 7.6%

62% positive

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

5-Year rolling

+2.66%

20 windows

min 1.6% · max 3.1%

100% positive

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

7-Year rolling

—

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

3.22%

3-year · annualised

Sharpe ratio

0.24

vs risk-free 6.5%

Sortino ratio

0.38

Downside-only deviation

Max drawdown

-5.68%

May 2013 → Aug 2013

% positive months

83.3%

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
17 Jul 2015	₹12.7209
16 Jul 2015	₹12.7185
15 Jul 2015	₹12.7171
14 Jul 2015	₹12.7143
13 Jul 2015	₹12.7072
10 Jul 2015	₹12.7070
9 Jul 2015	₹12.7036
8 Jul 2015	₹12.7022
7 Jul 2015	₹12.6964
6 Jul 2015	₹12.6906

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 PREMIER BOND FUND INST PLAN GROWTH is a Income 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 PREMIER BOND FUND INST PLAN GROWTH has NAV history starting from 12 Dec 2008, a track record of about 17 years 5 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 PREMIER BOND FUND INST PLAN GROWTH is managed by Deutsche. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS PREMIER BOND FUND INST PLAN GROWTH has delivered a absolute return of 8.21% — +21.3 pp ahead of the Income category average of -13.09%. The fund ranks #182 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DWS PREMIER BOND FUND INST PLAN GROWTH has delivered a CAGR of 7.47% — +18.48 pp ahead of the Income category average of -11.01%. The fund ranks #68 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DWS PREMIER BOND FUND INST PLAN GROWTH has delivered a CAGR of 2.79% — +10.15 pp ahead of the Income category average of -7.36%. The fund ranks #117 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in DWS PREMIER BOND FUND INST PLAN GROWTH exactly 5 years ago would be worth approximately ₹114,737 today — a multiplier of 1.15×, based on the 5-year CAGR of 2.79%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in DWS PREMIER BOND FUND INST PLAN GROWTH over the last 3 years — total invested ₹360,000 — would be worth ₹402,118 today. That's an XIRR (money-weighted annualised return) of 7.32%.

DWS PREMIER BOND FUND INST PLAN GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹402,118 — XIRR 7.32%.

On a 5-year basis, DWS PREMIER BOND FUND INST PLAN GROWTH ranks #117 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 2.79%.

The worst peak-to-trough decline DWS PREMIER BOND FUND INST PLAN GROWTH has experienced over the last 3-year window is 5.68% — its NAV fell from a high on 21 May 2013 to a low on 19 Aug 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 PREMIER BOND FUND INST PLAN GROWTH averaged 2.66% (best 3.07%, worst 1.58%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.24 — weak risk-adjusted performance.

In calendar year 2014, DWS PREMIER BOND FUND INST PLAN GROWTH returned 8.84% — beating the Income category average of 5.51% by 3.33 pp. It ranked #72 of 240 in its category that year.

DWS PREMIER BOND FUND INST PLAN GROWTH 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 PREMIER BOND FUND INST PLAN GROWTH 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: 2.79%.

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