Should I invest in DWS MONEY PLUS FUND?

We don't give personal investment advice. DWS MONEY PLUS FUND - DIVIDEND - DAILY 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: 1.6%. 5-year CAGR: 4.04%.

Deutsche

DWS MONEY PLUS FUND - DIVIDEND - DAILY

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%	+0.03%	+0.01	4 / 11	Q2
1W	+0.18%	+0.01%	+0.16	2 / 11	Q1
2W	+0.21%	+0.02%	+0.19	2 / 11	Q1
1M	+0.49%	+0.20%	+0.29	2 / 11	Q1
3M	+1.38%	+0.48%	+0.89	2 / 11	Q1
6M	+3.20%	+1.19%	+2.00	2 / 11	Q1
YTD	+0.88%	+0.28%	+0.60	3 / 11	Q2
1Y	+7.18%	+2.78%	+4.40	2 / 11	Q1
2Y	+7.66%	+3.03%	+4.63	2 / 11	Q1
3Y	+6.82%	+3.06%	+3.75	4 / 11	Q2
4Y	+5.07%	+2.68%	+2.39	3 / 10	Q2
5Y	+4.04%	+2.94%	+1.09	3 / 9	Q2
7Y	+2.92%	+2.14%	+0.78	4 / 9	Q2
10Y	—	—	—	—	—
Inception	+2.17%	-61.35%	+63.52	4 / 29	Q1

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	+0.88%	+0.34%	+0.54	3 / 9
2015	+7.40%	+3.53%	+3.87	2 / 9
2014	+8.18%	+4.00%	+4.18	3 / 9
2013	+3.88%	+3.59%	+0.28	4 / 9
2012	+0.00%	+1.29%	-1.29	7 / 8
2011	+0.00%	+3.09%	-3.09	6 / 8
2010	+0.00%	+0.53%	-0.53	5 / 10
2009	+0.39%	0.00%	+0.39	5 / 11
2008	+0.00%	+2.22%	-2.22	7 / 10
2007	+0.00%	+4.93%	-4.93	16 / 28
2006	—	—	—	—

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

+2.06%

104 windows

min -0.6% · max 9.4%

46% positive

3-Year rolling

+1.50%

80 windows

min -0.2% · max 6.8%

84% positive

5-Year rolling

+1.30%

55 windows

min 0.0% · max 4.0%

96% positive

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

7-Year rolling

+1.64%

31 windows

min 0.1% · max 2.9%

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

1.37%

3-year · annualised

Sharpe ratio

0.09

vs risk-free 6.5%

Sortino ratio

0.21

Downside-only deviation

Max drawdown

-1.63%

Jul 2013 → Aug 2013

% positive months

91.7%

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	₹12.2662
1 Mar 2016	₹12.2617
29 Feb 2016	₹12.2574
26 Feb 2016	₹12.2440
25 Feb 2016	₹12.2437
24 Feb 2016	₹12.2446
23 Feb 2016	₹12.2454
22 Feb 2016	₹12.2486
18 Feb 2016	₹12.2412
17 Feb 2016	₹12.2404

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 FUND - DIVIDEND - DAILY is a Money Market 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 FUND - DIVIDEND - DAILY has NAV history starting from 05 Sep 2006, a track record of about 19 years 9 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 FUND - DIVIDEND - DAILY is managed by Deutsche. It's classified by AMFI under the 'Money Market' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS MONEY PLUS FUND - DIVIDEND - DAILY has delivered a absolute return of 7.18% — +4.4 pp ahead of the Money Market category average of 2.78%. The fund ranks #2 of 11 in its category — the top (Q1) quartile.

Over the trailing 3-year window, DWS MONEY PLUS FUND - DIVIDEND - DAILY has delivered a CAGR of 6.82% — +3.75 pp ahead of the Money Market category average of 3.06%. The fund ranks #4 of 11 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DWS MONEY PLUS FUND - DIVIDEND - DAILY has delivered a CAGR of 4.04% — +1.09 pp ahead of the Money Market category average of 2.94%. The fund ranks #3 of 9 in its category — the second (Q2) quartile.

₹1 lakh invested in DWS MONEY PLUS FUND - DIVIDEND - DAILY exactly 5 years ago would be worth approximately ₹121,876 today — a multiplier of 1.22×, based on the 5-year CAGR of 4.04%. The category average over the same window would have grown ₹1 lakh to ₹115,603.

A ₹10,000 monthly SIP in DWS MONEY PLUS FUND - DIVIDEND - DAILY over the last 5 years — total invested ₹600,000 — would be worth ₹695,250 today. That's an XIRR (money-weighted annualised return) of 5.83%.

DWS MONEY PLUS FUND - DIVIDEND - DAILY doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹987,829 — XIRR 4.56%.

On a 5-year basis, DWS MONEY PLUS FUND - DIVIDEND - DAILY ranks #3 out of 9 funds in the Money Market category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.94%; this fund delivered 4.04%.

The worst peak-to-trough decline DWS MONEY PLUS FUND - DIVIDEND - DAILY has experienced over the last 5-year window is 1.63% — its NAV fell from a high on 15 Jul 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 MONEY PLUS FUND - DIVIDEND - DAILY averaged 1.30% (best 4.04%, worst -0.04%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -1.78 — negative risk-adjusted performance.

In calendar year 2015, DWS MONEY PLUS FUND - DIVIDEND - DAILY returned 7.40% — beating the Money Market category average of 3.53% by 3.87 pp. It ranked #2 of 9 in its category that year.

DWS MONEY PLUS FUND - DIVIDEND - DAILY 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 MONEY PLUS FUND - DIVIDEND - DAILY 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: 1.6%. 5-year CAGR: 4.04%.

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