“双节”将至银行及理财子公司花式营销“抢闲钱”

Core 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: Marketing Strategies - Multiple banks and wealth management companies are releasing holiday investment strategies via public platforms, encouraging investors to make early investments to secure returns during the holiday period [2][3]. - Products recommended are primarily low-risk and stable, 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 holiday returns from September 30 to October 8 [2]. - Other institutions like China Merchants Bank Wealth Management are promoting cash and short-term debt products, with specific deadlines for purchases to maximize holiday returns [2][3]. Group 3: Performance of Wealth Management Products - Some wealth management products from various banks have shown impressive historical performance, with annualized returns reaching up to 12% [4]. - For instance, ICBC Wealth Management offers a product with a risk level of R2, achieving a near one-month annualized return of 12.01% and a historical annualized return of 8.42% since inception [4]. Group 4: Investor Behavior and Market Trends - The pre-holiday period sees an influx of idle funds from bonuses and repayments, creating opportunities for banks to promote their products [3]. - Research indicates that investors should be aware of liquidity risks and market volatility when selecting products, as some may have restrictions on redemption and could be affected by market fluctuations [5][6].