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

We don't give personal investment advice. DWS MONEY PLUS ADVANTAGE FUND- Reg-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. Worst 5-year drawdown: 6.0%. 5-year CAGR: -0.35%.

Deutsche

DWS MONEY PLUS ADVANTAGE FUND- Reg-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	+0.21%	+0.06%	+0.15	8 / 37	Q1
1W	+0.66%	-7.52%	+8.18	16 / 40	Q2
2W	+0.56%	-7.64%	+8.20	20 / 40	Q2
1M	+0.38%	-7.66%	+8.04	17 / 40	Q2
3M	-0.12%	-9.18%	+9.06	14 / 40	Q2
6M	+0.03%	-5.67%	+5.69	23 / 39	Q3
YTD	+0.04%	-3.70%	+3.74	18 / 40	Q2
1Y	-4.21%	-4.99%	+0.79	27 / 41	Q3
2Y	+0.11%	-11.97%	+12.07	23 / 40	Q3
3Y	-0.40%	-14.60%	+14.20	27 / 38	Q3
4Y	-0.82%	-20.79%	+19.97	19 / 29	Q3
5Y	-0.35%	-6.40%	+6.05	20 / 25	Q4
7Y	-0.65%	-10.74%	+10.10	15 / 19	Q4
10Y	—	—	—	—	—
Inception	+0.14%	-12.19%	+12.33	29 / 44	Q3

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	+0.04%	+3.05%	-3.01	12 / 14
2015	-3.40%	-3.73%	+0.33	10 / 14
2014	+2.71%	+7.48%	-4.77	16 / 19
2013	-2.14%	+0.94%	-3.08	19 / 21
2012	+0.43%	+19.42%	-19.00	25 / 25
2011	-1.62%	-16.46%	+14.84	4 / 29
2010	+1.45%	-7.06%	+8.50	22 / 32
2009	-0.21%	+37.12%	-37.33	30 / 31
2008	+3.72%	-26.22%	+29.94	4 / 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

+0.09%

90 windows

min -4.8% · max 5.1%

46% positive

3-Year rolling

-0.14%

66 windows

min -1.2% · max 1.6%

35% positive

5-Year rolling

-0.16%

41 windows

min -0.9% · max 0.7%

41% 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%

17 windows

min -0.6% · max 0.8%

59% 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

3.05%

3-year · annualised

Sharpe ratio

-2.24

vs risk-free 6.5%

Sortino ratio

-3.29

Downside-only deviation

Max drawdown

-5.97%

Jan 2015 → Feb 2016

% positive months

44.4%

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	₹10.1260
1 Mar 2016	₹10.1050
29 Feb 2016	₹10.0838
26 Feb 2016	₹10.0547
25 Feb 2016	₹10.0401
24 Feb 2016	₹10.0592
23 Feb 2016	₹10.0793
22 Feb 2016	₹10.0966
18 Feb 2016	₹10.0879
17 Feb 2016	₹10.0695

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- Reg-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- Reg-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- Reg-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- Reg-Div has delivered a absolute return of -4.21% — +0.79 pp ahead of the Balanced category average of -4.99%. The fund ranks #27 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, DWS MONEY PLUS ADVANTAGE FUND- Reg-Div has delivered a CAGR of -0.40% — +14.2 pp ahead of the Balanced category average of -14.60%. The fund ranks #27 of 38 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DWS MONEY PLUS ADVANTAGE FUND- Reg-Div has delivered a CAGR of -0.35% — +6.05 pp ahead of the Balanced category average of -6.40%. The fund ranks #20 of 25 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DWS MONEY PLUS ADVANTAGE FUND- Reg-Div exactly 5 years ago would be worth approximately ₹98,266 today — a multiplier of 0.98×, based on the 5-year CAGR of -0.35%. The category average over the same window would have grown ₹1 lakh to ₹71,837.

A ₹10,000 monthly SIP in DWS MONEY PLUS ADVANTAGE FUND- Reg-Div over the last 5 years — total invested ₹600,000 — would be worth ₹587,845 today. That's an XIRR (money-weighted annualised return) of -0.80%.

DWS MONEY PLUS ADVANTAGE FUND- Reg-Div doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹819,425 — XIRR -0.70%.

On a 5-year basis, DWS MONEY PLUS ADVANTAGE FUND- Reg-Div ranks #20 out of 25 funds in the Balanced category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -6.40%; this fund delivered -0.35%.

The worst peak-to-trough decline DWS MONEY PLUS ADVANTAGE FUND- Reg-Div has experienced over the last 5-year window is 5.97% — its NAV fell from a high on 29 Jan 2015 to a low on 25 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 MONEY PLUS ADVANTAGE FUND- Reg-Div averaged -0.16% (best 0.72%, worst -0.94%). 41% of rolling windows ended positive. The 5-year Sharpe ratio is -2.57 — negative risk-adjusted performance.

In calendar year 2015, DWS MONEY PLUS ADVANTAGE FUND- Reg-Div returned -3.40% — beating the Balanced category average of -3.73% by 0.33 pp. It ranked #10 of 14 in its category that year.

DWS MONEY PLUS ADVANTAGE FUND- Reg-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- Reg-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. Worst 5-year drawdown: 6.0%. 5-year CAGR: -0.35%.

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