“存款特种兵”正转型为“理财特种兵”：抱团蹲额度、逐日算收益

Core Insights - The emergence of "wealth management special forces" is noted as individuals shift focus from traditional deposit accounts to wealth management products due to declining interest rates [1][2] - These individuals actively research and compare various wealth management products to maximize returns, often moving funds frequently to capture fleeting opportunities [2][3] Wealth Management Trends - A growing number of investors, referred to as "wealth management special forces," are increasingly engaging in active management of their investments, moving funds based on daily performance [2][3] - Social media platforms have seen a rise in discussions about wealth management products, with many users sharing insights on product performance and optimal timing for investment [2][3] Product Performance and Strategies - Specific products, such as WeBank's "Current + Plus," are highlighted for their attractive annualized returns and T+0 trading capabilities, making them popular among active investors [3][4] - For instance, the "Solid Bond Pure Debt 7R" product has shown an annualized return of 5.35% since inception, outperforming many traditional deposit options [4] Market Dynamics - The overall trend indicates a significant shift of funds from traditional bank deposits to wealth management and money market funds, driven by lower interest rates on deposits [7][8] - In May, RMB deposits increased by 2.18 trillion yuan, with non-bank deposits reaching a ten-year high, suggesting a potential shift in investor behavior towards alternative assets [7] Regulatory and Competitive Landscape - The competition among banks to offer attractive wealth management products is intensifying, with some institutions launching short-term high-yield products to attract investors [8][9] - The average annualized return for bank wealth management products in May was reported at 2.57%, with cash management products yielding 1.49% and pure debt products at 2.69% [9]