Zheng Quan Ri Bao·2025-09-26 22:43Core Viewpoint - As the Mid-Autumn Festival and National Day "Golden Week" approach, banks and their wealth management subsidiaries are intensifying marketing activities focused on "holiday returns," aiming to attract idle funds from investors through various promotional strategies [1][2]. Group 1: Holiday Investment Strategies - Multiple banks and wealth management companies are releasing holiday investment plans via public platforms, encouraging investors to make early investments to secure returns during the holiday period [2][3]. - Recommended products primarily feature low-risk and stable styles, including open-ended, closed-end, cash management, and products with holding period requirements, catering to different investor needs for liquidity and investment duration [2][3]. Group 2: Specific Product Offerings - ICBC Wealth Management has launched cash management and open-ended products, requiring purchases to be completed by September 29 to enjoy returns from September 30 to October 8 [2]. - Other institutions, such as China Merchants Bank Wealth Management, are promoting cash and short-term debt products, allowing investors to enjoy extended holiday returns if purchased before specified deadlines [2][3]. Group 3: Performance of Wealth Management Products - Some wealth management products from various banks have shown impressive historical performance, with certain products achieving annualized returns of around 12% [4]. - For instance, ICBC Wealth Management offers a product with a risk level of R2 (medium-low risk) that has a recent annualized return of 12.01% over the past month and 8.42% since inception [4]. Group 4: Investor Considerations - Investors are advised to be aware of potential liquidity risks associated with certain products that may have redemption restrictions or lock-up periods, necessitating careful planning of cash flow needs during the holiday [5]. - Different investment strategies are suggested based on risk tolerance, with conservative investors encouraged to prioritize money market funds and fixed-income products for stable returns, while more aggressive investors may consider increasing equity exposure for higher potential returns [6].