2 1 Shi Ji Jing Ji Bao Dao·2025-08-29 10:08Core Viewpoint - The recent stock market remains strong, but there are changes in market sentiment, while the bond market shows signs of stabilization. Multi-asset allocation strategies are favored by many asset management products [1]. Group 1: Product Performance - The product "Huiying Xiang FOF Fixed Income Enhanced 6-Month Holding Period No. 1 A" recommended by CITIC Bank's APP has a diverse asset allocation, including S&P 500 index funds, gold ETFs, convertible bond funds, and Hong Kong stock ETFs [5]. - In the first half of this year, the product's net value increased by 2.21%, with an annualized return of 4.42%. Since its inception, the annualized return has been 4.60% [7]. - Another product in the same series, with a minimum holding period of one year, achieved a net value growth rate of 2.1% in the first half of the year [7]. Group 2: Comparative Analysis - The product's performance scores include a yield score of 51, a risk control score of 30, a risk-adjusted return score of 5, and a comprehensive fee score of 30, ranking 88th, 330th, 320th, and 267th among 334 similar products, respectively [7]. - A previously evaluated product from WeBank, "Ningyin Financial Ningxin Fixed Income Daily Open Financial No. 8 (Minimum Holding 300 Days) - A," saw its score drop from 60 to 46 over three months, with a yield score decline from 38 to 28 [8].