银行渠道本周在售“固收+”理财产品榜单（9/29-10/5）

Core Insights - The article emphasizes the importance of distinguishing between various bank wealth management products, particularly those labeled as "enhanced," "stable," and "balanced," which often have similar names and vague characteristics [1] - The South Finance Wealth Management team aims to reduce investors' selection costs by weekly focusing on the performance of wealth management products available through different distribution channels [1] Product Selection Criteria - The selection of products for the performance ranking is based on two main criteria: product type, focusing on pure fixed income, "fixed income +", and mixed products; and performance stability, requiring products to have been established for at least three months to ensure sufficient performance accumulation [1] - The sample for the wealth management products is limited to publicly offered RMB products [1] Performance Metrics - The ranking list displays the annualized performance of products over the past month, three months, and six months, sorted by the annualized return over the last three months to reflect multidimensional performance during recent market fluctuations [1] - The current focus is on "fixed income +" products issued by wealth management companies, with the team selecting superior-performing products available for sale through distribution channels [1] Distribution Institutions - The article lists 28 distribution institutions, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2] - It is noted that the assessment of the "on sale" status of wealth management products is based on their investment cycle projections, but actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [2] Performance Rankings - The article provides a performance ranking of various wealth management products, highlighting specific products from institutions like Bank of China and Industrial and Commercial Bank of China, with annualized returns ranging from 5.14% to 8.66% over different holding periods [4][6][9] - The performance data is sourced from the South Finance Financial Terminal and is current as of September 25, 2025 [4][6][9]