Should I invest in DWS MONEY PLUS FUND?

We don't give personal investment advice. DWS MONEY PLUS FUND-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: 2.4%. 5-year CAGR: 0.06%.

Deutsche

DWS MONEY PLUS FUND-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%	+0.03%	+0.01	7 / 11	Q3
1W	-0.50%	+0.01%	-0.52	11 / 11	Q4
2W	-0.47%	+0.02%	-0.49	11 / 11	Q4
1M	-0.19%	+0.20%	-0.39	11 / 11	Q4
3M	-0.66%	+0.48%	-1.15	11 / 11	Q4
6M	-0.90%	+1.19%	-2.10	11 / 11	Q4
YTD	-0.48%	+0.28%	-0.76	11 / 11	Q4
1Y	-1.15%	+2.78%	-3.93	11 / 11	Q4
2Y	-0.63%	+3.03%	-3.66	11 / 11	Q4
3Y	+0.11%	+3.06%	-2.95	7 / 11	Q3
4Y	+0.14%	+2.68%	-2.54	7 / 10	Q3
5Y	+0.06%	+2.94%	-2.88	8 / 9	Q4
7Y	-0.11%	+2.14%	-2.25	9 / 9	Q4
10Y	+0.23%	-85.36%	+85.58	2 / 21	Q1
Inception	+0.23%	-61.35%	+61.58	8 / 29	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	-0.48%	+0.34%	-0.82	9 / 9
2015	-0.93%	+3.53%	-4.46	9 / 9
2014	+0.03%	+4.00%	-3.97	6 / 9
2013	+1.32%	+3.59%	-2.27	6 / 9
2012	+0.38%	+1.29%	-0.91	5 / 8
2011	+0.56%	+3.09%	-2.54	4 / 8
2010	-1.03%	+0.53%	-1.55	9 / 10
2009	+0.05%	0.00%	+0.05	6 / 11
2008	+1.33%	+2.22%	-0.89	3 / 10
2007	+0.90%	+4.93%	-4.04	12 / 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

+0.29%

109 windows

min -1.5% · max 2.0%

63% positive

3-Year rolling

+0.28%

85 windows

min -0.5% · max 1.0%

68% positive

5-Year rolling

+0.20%

61 windows

min -0.1% · max 0.5%

97% positive

7-Year rolling

+0.27%

36 windows

min -0.1% · max 0.4%

92% 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

1.09%

3-year · annualised

Sharpe ratio

-5.85

vs risk-free 6.5%

Sortino ratio

-9.01

Downside-only deviation

Max drawdown

-2.37%

May 2013 → Aug 2013

% positive months

41.7%

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	₹10.2866
1 Mar 2016	₹10.2829
29 Feb 2016	₹10.2793
26 Feb 2016	₹10.3380
25 Feb 2016	₹10.3378
24 Feb 2016	₹10.3386
23 Feb 2016	₹10.3392
22 Feb 2016	₹10.3419
18 Feb 2016	₹10.3357
17 Feb 2016	₹10.3350

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 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 has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 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 has delivered a absolute return of -1.15% — -3.93 pp behind the Money Market category average of 2.78%. The fund ranks #11 of 11 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DWS MONEY PLUS FUND-DIVIDEND has delivered a CAGR of 0.11% — -2.95 pp behind the Money Market category average of 3.06%. The fund ranks #7 of 11 in its category — the third (Q3) quartile.

Over the trailing 5-year window, DWS MONEY PLUS FUND-DIVIDEND has delivered a CAGR of 0.06% — -2.88 pp behind the Money Market category average of 2.94%. The fund ranks #8 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DWS MONEY PLUS FUND-DIVIDEND exactly 10 years ago would be worth approximately ₹102,308 today — a multiplier of 1.02×, based on the 10-year CAGR of 0.23%. The category average over the same window would have grown ₹1 lakh to ₹0.

A ₹10,000 monthly SIP in DWS MONEY PLUS FUND-DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹597,394 today. That's an XIRR (money-weighted annualised return) of -0.17%.

DWS MONEY PLUS FUND-DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹837,071 — XIRR -0.10%.

On a 5-year basis, DWS MONEY PLUS FUND-DIVIDEND ranks #8 out of 9 funds in the Money Market category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.94%; this fund delivered 0.06%.

The worst peak-to-trough decline DWS MONEY PLUS FUND-DIVIDEND has experienced over the last 5-year window is 2.37% — its NAV fell from a high on 27 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 MONEY PLUS FUND-DIVIDEND averaged 0.20% (best 0.47%, worst -0.14%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is -7.26 — negative risk-adjusted performance.

In calendar year 2015, DWS MONEY PLUS FUND-DIVIDEND returned -0.93% — lagging the Money Market category average of 3.53% by 4.46 pp. It ranked #9 of 9 in its category that year.

DWS MONEY PLUS FUND-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 MONEY PLUS FUND-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: 2.4%. 5-year CAGR: 0.06%.

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