理财产品业绩基准普降，找谁“接棒”？业内人士建议→

Group 1 - The core viewpoint is that many banks are lowering the performance benchmark for their wealth management products, leading to lower expected returns for investors [2][3] - Major banks such as Bank of China, Huaxia Bank, and Minsheng Bank have announced reductions in their wealth management product performance benchmarks, with some products' benchmarks approaching or falling below the current fixed deposit rates [2][3] - As of the end of April, the average yield for wealth management products with a term of over three years dropped from 4.3519% to 1.8691%, while the yield for products with a term of one to three years decreased from 3.7615% to 2.4605% [3] Group 2 - The decline in wealth management product yields is attributed to the overall decrease in yields of fixed-income assets such as deposits and bonds [4] - Analysts expect continued downward pressure on the yield center for wealth management products this year, suggesting that banks are adjusting benchmarks to align with changing market conditions [5] - Investors are advised to optimize their asset allocation strategies in response to the anticipated long-term decline in interest rates, with a focus on stable short-term investments and higher-yielding products from smaller banks [5]