Should I invest in DWS Ultra Short Term Fund Reg pl- Bonus Option?

We don't give personal investment advice. DWS Ultra Short Term Fund Reg pl- Bonus Option 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: 17.7%. 5-year CAGR: 4.27%.

Deutsche

DWS Ultra Short Term Fund Reg pl- Bonus Option

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%	-9.99%	+10.03	103 / 1129	Q1
1W	+0.17%	-13.04%	+13.21	146 / 1151	Q1
2W	+0.24%	-13.18%	+13.43	175 / 1149	Q1
1M	+0.48%	-13.26%	+13.74	196 / 1137	Q1
3M	+1.39%	-13.15%	+14.54	216 / 1116	Q1
6M	+2.95%	-15.45%	+18.40	271 / 906	Q2
YTD	+0.94%	-15.77%	+16.71	334 / 952	Q2
1Y	+6.60%	-13.09%	+19.69	276 / 820	Q2
2Y	+7.15%	-12.72%	+19.88	93 / 446	Q1
3Y	+7.93%	-11.01%	+18.94	55 / 385	Q1
4Y	+8.25%	-6.52%	+14.77	48 / 339	Q1
5Y	+4.27%	-7.36%	+11.64	106 / 314	Q2
7Y	+4.58%	+2.53%	+2.05	92 / 234	Q2
10Y	—	—	—	—	—
Inception	+4.83%	-13.63%	+18.46	326 / 1199	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	+0.94%	+3.02%	-2.09	103 / 181
2015	+6.78%	+2.22%	+4.56	54 / 216
2014	+7.90%	+5.51%	+2.39	103 / 240
2013	+9.35%	-1.95%	+11.30	13 / 276
2012	+9.40%	+1.38%	+8.02	83 / 295
2011	-10.39%	-3.16%	-7.23	299 / 317
2010	+5.07%	-5.78%	+10.86	73 / 377
2009	+5.58%	-12.86%	+18.43	195 / 713
2008	—	—	—	—

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

+4.50%

79 windows

min -10.9% · max 9.7%

84% positive

3-Year rolling

+3.59%

55 windows

min -0.2% · max 9.0%

89% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+3.97%

30 windows

min 3.5% · max 4.4%

100% positive

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

7-Year rolling

+4.66%

6 windows

min 4.6% · max 4.7%

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

0.71%

3-year · annualised

Sharpe ratio

1.66

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.36%

Jul 2013 → Jul 2013

% positive months

100.0%

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	₹14.2073
1 Mar 2016	₹14.2018
29 Feb 2016	₹14.1975
26 Feb 2016	₹14.1832
25 Feb 2016	₹14.1827
24 Feb 2016	₹14.1829
23 Feb 2016	₹14.1821
22 Feb 2016	₹14.1823
18 Feb 2016	₹14.1746
17 Feb 2016	₹14.1727

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 Ultra Short Term Fund Reg pl- Bonus Option is a Income 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 Ultra Short Term Fund Reg pl- Bonus Option has NAV history starting from 24 Sep 2008, a track record of about 17 years 8 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 Ultra Short Term Fund Reg pl- Bonus Option 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 Ultra Short Term Fund Reg pl- Bonus Option has delivered a absolute return of 6.60% — +19.69 pp ahead of the Income category average of -13.09%. The fund ranks #276 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, DWS Ultra Short Term Fund Reg pl- Bonus Option has delivered a CAGR of 7.93% — +18.94 pp ahead of the Income category average of -11.01%. The fund ranks #55 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, DWS Ultra Short Term Fund Reg pl- Bonus Option has delivered a CAGR of 4.27% — +11.64 pp ahead of the Income category average of -7.36%. The fund ranks #106 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in DWS Ultra Short Term Fund Reg pl- Bonus Option exactly 5 years ago would be worth approximately ₹123,277 today — a multiplier of 1.23×, based on the 5-year CAGR of 4.27%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in DWS Ultra Short Term Fund Reg pl- Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹711,807 today. That's an XIRR (money-weighted annualised return) of 6.77%.

DWS Ultra Short Term Fund Reg pl- Bonus Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,024,999 — XIRR 5.60%.

On a 5-year basis, DWS Ultra Short Term Fund Reg pl- Bonus Option ranks #106 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 4.27%.

The worst peak-to-trough decline DWS Ultra Short Term Fund Reg pl- Bonus Option has experienced over the last 5-year window is 17.74% — its NAV fell from a high on 24 Oct 2011 to a low on 25 Oct 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 Ultra Short Term Fund Reg pl- Bonus Option averaged 3.97% (best 4.37%, worst 3.53%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.24 — negative risk-adjusted performance.

In calendar year 2015, DWS Ultra Short Term Fund Reg pl- Bonus Option returned 6.78% — beating the Income category average of 2.22% by 4.56 pp. It ranked #54 of 216 in its category that year.

DWS Ultra Short Term Fund Reg pl- Bonus Option 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 Ultra Short Term Fund Reg pl- Bonus Option 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: 17.7%. 5-year CAGR: 4.27%.

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