近1月收益率高达12.01％ 银行、理财公司国庆猛推存续产品

Core Viewpoint - The banking and wealth management industry is focusing on promoting existing wealth management products with attractive historical returns rather than launching new holiday-specific products for the upcoming festivals, reflecting a shift in investor preferences towards stable, low-risk options [1][2][3][4]. Group 1: Market Trends - This year, the market for holiday-specific wealth management products is notably subdued, with a preference for existing products that have demonstrated stable performance [2][3]. - Major banks and wealth management companies are increasing their marketing efforts for "holiday wealth management" themes, promoting products with shorter holding periods and lower risk levels [2][3][6]. - The trend indicates a maturation in the net value transformation of wealth management products, leading to more rational customer choices [3][4]. Group 2: Product Performance - Wealth management products being promoted have shown impressive historical returns, with some products achieving an annualized return of 12.01% over the past month and 7.43% since inception [1][6]. - For example, 工银理财 has introduced eight products for the National Day holiday, with one product showing an annualized return of 8.42% since inception [6]. - Compared to the average market performance, these recommended products exhibit a significant competitive advantage, with average annualized returns of 2.49% for existing open-ended fixed-income products and 1.28% for cash management products [7]. Group 3: Investor Behavior - Investors are increasingly focused on stable returns and low to medium-risk wealth management products, especially after experiencing several rounds of net value declines in the market [7]. - The lack of new holiday-specific products suggests that banks are prioritizing the promotion of existing products that can offer reliable returns during the holiday period [3][4][7].