3成“固收+期权”理财近6月收益告负！平均年化收益率低于1%

Overall Performance - The average net value growth rate of public "fixed income + options" wealth management products over the past six months is 0.49%, which annualizes to below 1%, indicating poor performance [5] - As of August 7, 2025, there are 146 existing "fixed income + options" wealth management products, with 30.8% of them showing negative returns over the past six months [5] Highlighted Product Analysis - The "Puxiang Zenghui Closed-end No. 10 (Exclusive)" from Puyin Wealth Management has the highest net value growth rate of 5.39% over the past six months, with an annualized return of 4.65% since its inception [6] - The product has shown high volatility, with an annualized volatility of 5.33%, but has seen a rapid increase in net value since mid-April this year [6] Product Breakdown - The "Global Momentum Two-Year Open No. 10A" from Zhaoyin Wealth Management has a performance benchmark of 0.70% to 7.70%, investing at least 90% of its principal in fixed income assets [8] - The main contributors to the index's positive returns in the first half of the year include stocks and commodities, particularly gold and the German DAX, while bond assets contributed less [8]