超三分之一“固收+期权”理财产品近半年收益告负

Core Insights - The report focuses on the performance of public "fixed income + options" wealth management products over the past six months, highlighting the average net value growth and the number of products with negative returns [5][6][7]. Overall Performance - As of August 21, 2025, there are 156 "fixed income + options" wealth management products currently in existence, with an average net value growth rate of 0.39% over the past six months [6]. - Notably, 56 products, accounting for over 35%, reported negative returns in the same period, with the highest negative return reaching -1.08% [7]. Highlighted Products Analysis - The top three products in terms of net value growth over the past six months are: 1. "Zhaoyin Global Asset Momentum Two-Year Open 10th A Fund" by Zhaoyin Wealth Management with a growth rate of 1.82% [8]. 2. "Zhaoyin Global Asset Momentum Fourteen-Month Open 10th A Fund" by Zhaoyin Wealth Management with a growth rate of 1.71% [8]. 3. "Hengrui CSI 300 Index Linked" by ICBC Wealth Management with a growth rate of 1.47% [8]. - The "Sunshine Qingrui Leap Enjoy 18th Phase (10-Year U.S. Treasury Yield Automatic Trigger Strategy) I" by Everbright Wealth Management has a performance benchmark of 0.06% to 4.20% and employs an OBPI-based options combination insurance strategy, primarily investing in fixed income assets [8]. - As of August 22, this product achieved an annualized return of 5.04% over the past month, with a longer-term annualized return of 2.59% since its inception on December 11, 2024 [8].