Should I invest in DWS TAX SAVING FUND?

We don't give personal investment advice. DWS TAX SAVING FUND-DIVIDEND is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.6%. 5-year CAGR: 7.68%.

Deutsche

DWS TAX SAVING FUND-DIVIDEND

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	+1.74%	-2.14%	+3.87	2 / 90	Q1
1W	+4.34%	-3.73%	+8.06	4 / 87	Q1
2W	+3.35%	-5.18%	+8.53	7 / 87	Q1
1M	-2.39%	-6.76%	+4.37	26 / 87	Q2
3M	-5.59%	-4.52%	-1.07	72 / 87	Q4
6M	-4.20%	-4.00%	-0.21	40 / 89	Q2
YTD	-6.74%	-5.72%	-1.03	50 / 89	Q3
1Y	-12.51%	-0.18%	-12.32	78 / 87	Q4
2Y	+13.19%	-0.39%	+13.59	16 / 86	Q1
3Y	+13.19%	+5.78%	+7.42	27 / 81	Q2
4Y	+11.96%	+7.88%	+4.09	40 / 78	Q3
5Y	+7.68%	+6.78%	+0.89	56 / 77	Q3
7Y	+15.50%	+8.76%	+6.75	7 / 75	Q1
10Y	+4.76%	+8.02%	-3.26	59 / 69	Q4
Inception	+4.79%	+5.82%	-1.02	64 / 91	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	-6.74%	-0.31%	-6.43	59 / 70
2015	+1.35%	-1.16%	+2.51	11 / 24
2014	+34.90%	+42.05%	-7.15	20 / 27
2013	+8.58%	+2.38%	+6.19	5 / 27
2012	+24.24%	+28.66%	-4.42	20 / 27
2011	-28.07%	-28.62%	+0.55	18 / 25
2010	+14.17%	+14.25%	-0.08	21 / 30
2009	+66.50%	+64.74%	+1.76	19 / 25
2008	-61.49%	-57.48%	-4.01	13 / 18
2007	+69.71%	+44.08%	+25.63	1 / 12
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

+11.40%

109 windows

min -61.6% · max 91.7%

67% positive

3-Year rolling

+6.26%

85 windows

min -12.3% · max 21.4%

79% positive

5-Year rolling

+5.01%

61 windows

min -6.6% · max 17.0%

77% positive

7-Year rolling

+6.13%

36 windows

min -0.3% · max 15.5%

97% 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

13.72%

3-year · annualised

Sharpe ratio

0.49

vs risk-free 6.5%

Sortino ratio

0.96

Downside-only deviation

Max drawdown

-16.74%

Mar 2015 → Feb 2016

% positive months

58.3%

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.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.5310	9 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.9599	9 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹85.1648	9 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.3200	9 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹120.6000	9 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.8529	9 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.6481	9 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹41.3790	9 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹29.3200	9 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.2210	9 Jun 2026

Recent NAVs

Date	NAV
2 Mar 2016	₹17.5600
1 Mar 2016	₹17.2600
29 Feb 2016	₹16.7300
26 Feb 2016	₹16.8100
25 Feb 2016	₹16.7100
24 Feb 2016	₹16.8300
23 Feb 2016	₹17.0400
22 Feb 2016	₹17.2800
19 Feb 2016	₹17.1800
18 Feb 2016	₹17.1600

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 TAX SAVING FUND-DIVIDEND is a ELSS 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 TAX SAVING 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 TAX SAVING FUND-DIVIDEND is managed by Deutsche. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, DWS TAX SAVING FUND-DIVIDEND has delivered a absolute return of -12.51% — -12.32 pp behind the ELSS category average of -0.18%. The fund ranks #78 of 87 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, DWS TAX SAVING FUND-DIVIDEND has delivered a CAGR of 13.19% — +7.42 pp ahead of the ELSS category average of 5.78%. The fund ranks #27 of 81 in its category — the second (Q2) quartile.

Over the trailing 5-year window, DWS TAX SAVING FUND-DIVIDEND has delivered a CAGR of 7.68% — +0.89 pp ahead of the ELSS category average of 6.78%. The fund ranks #56 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in DWS TAX SAVING FUND-DIVIDEND exactly 10 years ago would be worth approximately ₹159,141 today — a multiplier of 1.59×, based on the 10-year CAGR of 4.76%. The category average over the same window would have grown ₹1 lakh to ₹216,305.

A ₹10,000 monthly SIP in DWS TAX SAVING FUND-DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹768,846 today. That's an XIRR (money-weighted annualised return) of 9.85%.

DWS TAX SAVING 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 ₹1,144,031 — XIRR 8.68%.

On a 5-year basis, DWS TAX SAVING FUND-DIVIDEND ranks #56 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.78%; this fund delivered 7.68%.

The worst peak-to-trough decline DWS TAX SAVING FUND-DIVIDEND has experienced over the last 5-year window is 22.63% — its NAV fell from a high on 05 Apr 2011 to a low on 20 Dec 2011. 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 TAX SAVING FUND-DIVIDEND averaged 5.01% (best 17.03%, worst -6.56%). 77% of rolling windows ended positive. The 5-year Sharpe ratio is 0.13 — weak risk-adjusted performance.

In calendar year 2015, DWS TAX SAVING FUND-DIVIDEND returned 1.35% — beating the ELSS category average of -1.16% by 2.51 pp. It ranked #11 of 24 in its category that year.

DWS TAX SAVING FUND-DIVIDEND is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. DWS TAX SAVING FUND-DIVIDEND is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.6%. 5-year CAGR: 7.68%.

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