Should I invest in DWS Premier Bond Fund?

We don't give personal investment advice. DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual 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: 26.5%. 5-year CAGR: -3.83%.

Deutsche

DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual

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	+0.08%	-14.54%	+14.62	23 / 373	Q1
1W	+0.37%	-15.89%	+16.26	33 / 369	Q1
2W	+0.24%	-15.78%	+16.03	54 / 371	Q1
1M	+0.25%	-16.05%	+16.30	96 / 373	Q2
3M	+1.00%	-17.27%	+18.27	105 / 366	Q2
6M	+2.88%	-30.18%	+33.06	99 / 393	Q2
YTD	+0.74%	-32.85%	+33.59	130 / 414	Q2
1Y	+2.70%	-15.79%	+18.49	120 / 309	Q2
2Y	+0.93%	-13.41%	+14.34	70 / 142	Q2
3Y	-0.20%	-6.89%	+6.69	79 / 95	Q4
4Y	-5.33%	+2.81%	-8.14	80 / 84	Q4
5Y	-3.83%	+2.94%	-6.76	73 / 76	Q4
7Y	-2.29%	+2.77%	-5.06	64 / 67	Q4
10Y	+0.32%	+2.81%	-2.49	32 / 38	Q4
Inception	+0.32%	-35.69%	+36.02	151 / 497	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	+0.74%	+3.89%	-3.15	27 / 45
2015	+3.32%	+2.84%	+0.47	28 / 66
2014	-1.33%	+4.08%	-5.41	74 / 76
2013	-2.44%	+2.34%	-4.78	70 / 76
2012	-19.07%	+3.72%	-22.79	78 / 78
2011	+1.90%	+3.23%	-1.32	30 / 66
2010	+1.89%	-11.73%	+13.62	34 / 132
2009	-4.08%	-33.69%	+29.61	193 / 316
2008	+19.92%	-14.40%	+34.32	3 / 119
2007	+1.12%	+5.47%	-4.35	17 / 21
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

+0.21%

109 windows

min -24.0% · max 16.3%

63% positive

3-Year rolling

-0.72%

85 windows

min -7.9% · max 6.6%

53% positive

5-Year rolling

-1.31%

61 windows

min -4.1% · max 4.8%

20% positive

7-Year rolling

-0.81%

36 windows

min -3.2% · max -0.1%

0% 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

6.19%

3-year · annualised

Sharpe ratio

-1.05

vs risk-free 6.5%

Sortino ratio

-1.16

Downside-only deviation

Max drawdown

-9.50%

Mar 2013 → Aug 2013

% positive months

80.6%

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	₹10.8065
1 Mar 2016	₹10.7980
29 Feb 2016	₹10.7896
26 Feb 2016	₹10.7610
25 Feb 2016	₹10.7604
24 Feb 2016	₹10.7667
23 Feb 2016	₹10.7707
22 Feb 2016	₹10.7841
18 Feb 2016	₹10.7813
17 Feb 2016	₹10.7803

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 Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual is a Income from Deutsche (Regular 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 Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual 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 Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual 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 Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual has delivered a absolute return of 2.70% — +18.49 pp ahead of the Income category average of -15.79%. The fund ranks #120 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual has delivered a CAGR of -0.20% — +6.69 pp ahead of the Income category average of -6.89%. The fund ranks #79 of 95 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual has delivered a CAGR of -3.83% — -6.76 pp behind the Income category average of 2.94%. The fund ranks #73 of 76 in its category — the bottom (Q4) quartile.

₹1 lakh invested in DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual exactly 10 years ago would be worth approximately ₹103,250 today — a multiplier of 1.03×, based on the 10-year CAGR of 0.32%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual over the last 5 years — total invested ₹600,000 — would be worth ₹595,886 today. That's an XIRR (money-weighted annualised return) of -0.27%.

DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹800,809 — XIRR -1.35%.

On a 5-year basis, DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual ranks #73 out of 76 funds in the Income 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 -3.83%.

The worst peak-to-trough decline DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual has experienced over the last 5-year window is 26.49% — its NAV fell from a high on 15 Mar 2012 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 Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual averaged -1.31% (best 4.79%, worst -4.10%). 20% of rolling windows ended positive. The 5-year Sharpe ratio is -0.75 — negative risk-adjusted performance.

In calendar year 2015, DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual returned 3.32% — beating the Income category average of 2.84% by 0.47 pp. It ranked #28 of 66 in its category that year.

DWS Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual 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 Premier Bond Fund - Regular Plan-Dividend(payout / reinvestment)-Annual 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: 26.5%. 5-year CAGR: -3.83%.

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