5只养老理财产品上榜前十，近一年最高涨超6.5%

Overall Performance - As of October 30, 2025, a total of 92 public "fixed income + equity" products with a duration of over 3 years are in existence, with approximately half achieving positive returns each quarter over the past year, totaling 45 products [5] - Among institutions, Industrial Bank Wealth Management has the highest number of products (19), with 13 achieving quarterly positive returns, while other institutions like CCB Wealth Management and Qianhai Wealth Management have not achieved any [5] - Ten products stand out with the highest net value growth rates over the past year, with Industrial Bank Wealth Management having the most products on the list [5] Product Analysis - The top-performing product is Industrial Bank Wealth Management's "Yixiang Antai Fixed Income Closed-End Pension Product," with a net value growth rate of 6.79% [6] - Five pension products have significantly outperformed other long-term products, but their annualized returns have not met the performance benchmark since inception [7] - The asset allocation of these products shows a preference for non-standard assets, bonds, equity assets, and public funds, with some products holding over 40% in non-standard assets [7] Market Outlook - For the fourth quarter, managers expect a balanced allocation strategy due to potential structural market changes influenced by macroeconomic events [9] - The bond market is anticipated to experience fluctuations, with limited upward pressure on interest rates due to ongoing economic challenges [10] - The equity market is expected to maintain an upward trend, driven by improving corporate earnings and favorable liquidity conditions, with a balanced strategy recommended across technology, value, and resource sectors [11]