Should I invest in DWS MONEY PLUS FUND?

We don't give personal investment advice. DWS MONEY PLUS FUND-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. Worst 5-year drawdown: 1.6%. 5-year CAGR: 7.78%.

Deutsche

DWS MONEY PLUS FUND-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	+0.04%	+0.03%	+0.01	5 / 11	Q2
1W	+0.18%	+0.01%	+0.16	3 / 11	Q2
2W	+0.21%	+0.02%	+0.19	3 / 11	Q2
1M	+0.49%	+0.20%	+0.29	3 / 11	Q2
3M	+1.38%	+0.48%	+0.89	3 / 11	Q2
6M	+3.20%	+1.19%	+2.00	3 / 11	Q2
YTD	+0.88%	+0.28%	+0.60	2 / 11	Q1
1Y	+7.17%	+2.78%	+4.40	3 / 11	Q2
2Y	+7.66%	+3.03%	+4.63	4 / 11	Q2
3Y	+7.83%	+3.06%	+4.76	3 / 11	Q2
4Y	+7.90%	+2.68%	+5.22	2 / 10	Q1
5Y	+7.78%	+2.94%	+4.84	2 / 9	Q1
7Y	+6.71%	+2.14%	+4.57	1 / 9	Q1
10Y	+7.13%	-85.36%	+92.49	1 / 21	Q1
Inception	+7.19%	-61.35%	+68.54	1 / 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	2 / 9
2015	+7.40%	+3.53%	+3.87	3 / 9
2014	+8.18%	+4.00%	+4.18	4 / 9
2013	+7.88%	+3.59%	+4.29	3 / 9
2012	+8.30%	+1.29%	+7.01	2 / 8
2011	+7.23%	+3.09%	+4.13	2 / 8
2010	+2.75%	+0.53%	+2.22	2 / 10
2009	+5.61%	0.00%	+5.61	2 / 11
2008	+8.92%	+2.22%	+6.70	2 / 10
2007	+8.51%	+4.93%	+3.57	9 / 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

+7.20%

109 windows

min 2.6% · max 9.9%

100% positive

3-Year rolling

+6.95%

85 windows

min 5.1% · max 8.3%

100% positive

5-Year rolling

+6.76%

61 windows

min 6.2% · max 7.8%

100% positive

7-Year rolling

+6.95%

36 windows

min 6.7% · max 7.1%

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

1.33%

3-year · annualised

Sharpe ratio

0.82

vs risk-free 6.5%

Sortino ratio

1.84

Downside-only deviation

Max drawdown

-1.63%

Jul 2013 → Aug 2013

% positive months

97.2%

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	₹20.0271
1 Mar 2016	₹20.0198
29 Feb 2016	₹20.0128
26 Feb 2016	₹19.9909
25 Feb 2016	₹19.9904
24 Feb 2016	₹19.9919
23 Feb 2016	₹19.9932
22 Feb 2016	₹19.9984
18 Feb 2016	₹19.9863
17 Feb 2016	₹19.9850

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-GROWTH 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-GROWTH 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-GROWTH 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-GROWTH has delivered a absolute return of 7.17% — +4.4 pp ahead of the Money Market category average of 2.78%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DWS MONEY PLUS FUND-GROWTH has delivered a CAGR of 7.83% — +4.76 pp ahead of the Money Market category average of 3.06%. The fund ranks #3 of 11 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DWS MONEY PLUS FUND-GROWTH has delivered a CAGR of 7.78% — +4.84 pp ahead of the Money Market category average of 2.94%. The fund ranks #2 of 9 in its category — the top (Q1) quartile.

₹1 lakh invested in DWS MONEY PLUS FUND-GROWTH exactly 10 years ago would be worth approximately ₹199,183 today — a multiplier of 1.99×, based on the 10-year CAGR of 7.13%. The category average over the same window would have grown ₹1 lakh to ₹0.

A ₹10,000 monthly SIP in DWS MONEY PLUS FUND-GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹729,261 today. That's an XIRR (money-weighted annualised return) of 7.73%.

DWS MONEY PLUS FUND-GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,092,413 — XIRR 7.38%.

On a 5-year basis, DWS MONEY PLUS FUND-GROWTH ranks #2 out of 9 funds in the Money Market category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.94%; this fund delivered 7.78%.

The worst peak-to-trough decline DWS MONEY PLUS FUND-GROWTH 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-GROWTH averaged 6.76% (best 7.85%, worst 6.15%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.97 — reasonable risk-adjusted performance.

In calendar year 2015, DWS MONEY PLUS FUND-GROWTH returned 7.40% — beating the Money Market category average of 3.53% by 3.87 pp. It ranked #3 of 9 in its category that year.

DWS MONEY PLUS FUND-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 MONEY PLUS FUND-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. Worst 5-year drawdown: 1.6%. 5-year CAGR: 7.78%.

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