Should I invest in DWS Ultra Short Term Fund?

We don't give personal investment advice. DWS Ultra Short Term Fund- Dividend Plan - Monthly 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. Worst 5-year drawdown: 2.8%. 5-year CAGR: 0.29%.

Deutsche

DWS Ultra Short Term Fund- Dividend Plan - Monthly 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	+0.04%	-9.99%	+10.03	97 / 1129	Q1
1W	-0.50%	-13.04%	+12.54	495 / 1151	Q2
2W	-0.42%	-13.18%	+12.76	478 / 1149	Q2
1M	-0.19%	-13.26%	+13.07	440 / 1137	Q2
3M	-0.62%	-13.15%	+12.53	739 / 1116	Q3
6M	-1.08%	-15.45%	+14.37	579 / 906	Q3
YTD	-0.40%	-15.77%	+15.37	506 / 952	Q3
1Y	-1.55%	-13.09%	+11.54	602 / 820	Q3
2Y	-1.01%	-12.72%	+11.71	340 / 446	Q4
3Y	-0.16%	-11.01%	+10.85	282 / 385	Q3
4Y	+0.09%	-6.52%	+6.60	218 / 339	Q3
5Y	+0.29%	-7.36%	+7.66	189 / 314	Q3
7Y	-0.18%	+2.53%	-2.71	211 / 234	Q4
10Y	—	—	—	—	—
Inception	+0.08%	-13.63%	+13.71	498 / 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
2016 YTD	-0.40%	+3.02%	-3.43	165 / 181
2015	-1.36%	+2.22%	-3.58	202 / 216
2014	-0.39%	+5.51%	-5.90	224 / 240
2013	+1.50%	-1.95%	+3.45	117 / 276
2012	+0.99%	+1.38%	-0.39	180 / 295
2011	+1.80%	-3.16%	+4.96	117 / 317
2010	-2.85%	-5.78%	+2.93	316 / 377
2009	+0.29%	-12.86%	+13.14	349 / 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

+0.09%

86 windows

min -3.9% · max 1.9%

64% positive

3-Year rolling

+0.33%

61 windows

min -0.5% · max 1.4%

54% positive

5-Year rolling

+0.32%

37 windows

min -0.1% · max 0.8%

97% positive

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

7-Year rolling

+0.10%

13 windows

min -0.2% · max 0.3%

69% 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

0.63%

3-year · annualised

Sharpe ratio

-10.60

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-2.81%

Mar 2014 → Feb 2016

% positive months

36.1%

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
2 Mar 2016	₹10.4448
1 Mar 2016	₹10.4407
29 Feb 2016	₹10.4376
26 Feb 2016	₹10.4970
25 Feb 2016	₹10.4967
24 Feb 2016	₹10.4968
23 Feb 2016	₹10.4962
22 Feb 2016	₹10.4964
18 Feb 2016	₹10.4906
17 Feb 2016	₹10.4892

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 Ultra Short Term Fund- Dividend Plan - Monthly Dividend 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 Ultra Short Term Fund- Dividend Plan - Monthly Dividend has NAV history starting from 07 Mar 2008, a track record of about 18 years 3 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 Ultra Short Term Fund- Dividend Plan - Monthly Dividend 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 Ultra Short Term Fund- Dividend Plan - Monthly Dividend has delivered a absolute return of -1.55% — +11.54 pp ahead of the Income category average of -13.09%. The fund ranks #602 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend has delivered a CAGR of -0.16% — +10.85 pp ahead of the Income category average of -11.01%. The fund ranks #282 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend has delivered a CAGR of 0.29% — +7.66 pp ahead of the Income category average of -7.36%. The fund ranks #189 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend exactly 5 years ago would be worth approximately ₹101,480 today — a multiplier of 1.01×, based on the 5-year CAGR of 0.29%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹595,478 today. That's an XIRR (money-weighted annualised return) of -0.30%.

DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹836,294 — XIRR -0.12%.

On a 5-year basis, DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend ranks #189 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.29%.

The worst peak-to-trough decline DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend has experienced over the last 5-year window is 2.81% — its NAV fell from a high on 28 Mar 2014 to a low on 29 Feb 2016. 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 Ultra Short Term Fund- Dividend Plan - Monthly Dividend averaged 0.32% (best 0.84%, worst -0.06%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -11.31 — negative risk-adjusted performance.

In calendar year 2015, DWS Ultra Short Term Fund- Dividend Plan - Monthly Dividend returned -1.36% — lagging the Income category average of 2.22% by 3.58 pp. It ranked #202 of 216 in its category that year.

DWS Ultra Short Term Fund- Dividend Plan - Monthly 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 Ultra Short Term Fund- Dividend Plan - Monthly 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. Worst 5-year drawdown: 2.8%. 5-year CAGR: 0.29%.

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