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五一假期“人休钱不休”?多家银行理财发布投资攻略
Bei Ke Cai Jing·2025-04-30 08:01

Core Viewpoint - As the "May Day" holiday approaches, multiple banks' wealth management companies are proactively releasing investment "schedules" to help investors earn returns during the holiday period [1][2][4] Group 1: Investment Strategies - Banks are promoting wealth management products that allow investors to enjoy returns during the "May Day" holiday if purchased before April 30 [4][5] - Some banks, such as Nanyin Wealth Management and Hangyin Wealth Management, have specific products that confirm net value on April 30, enabling holiday earnings [4][5] Group 2: Product Performance - Many wealth management products launched for the holiday have historically high performance benchmarks, with some achieving around 6% [7][8] - For instance, a product from Ping An Wealth Management has a monthly annualized yield of 6.70%, while another product from Minsheng Bank shows a historical annualized yield of 6.23% [7][8] Group 3: Product Diversity - The variety of wealth management products is increasing, with a focus on cash management and fixed-income products, but also including more diverse underlying assets [10][12] - Products now range from open-ended to those with minimum holding periods from 7 days to about a year, with R2 risk level products being predominant [12] Group 4: Investor Guidance - Investors are advised to provide accurate personal information and undergo risk assessments to understand their risk tolerance when selecting wealth management products [13] - It is emphasized that higher returns typically come with higher risks, and investors should adjust their expectations accordingly in the current low-yield environment [14]