“固收+期权”理财近3月全线正收益，净值最高涨超3%

Overall Performance - As of December 4, 2025, there are 228 public "fixed income + options" wealth management products in existence, with an average net value growth rate of 1.41% and an average maximum drawdown of 0.34% over the past three months [5] - All products achieved positive returns in the last three months, with 26 products having a net value growth rate below 0.5%. The lowest performer is Ningyin Wealth Management's "Jiaoyue Global Allocation Linked Type One-Year Regular Open 3," with a net value increase of only 0.27% [5] - In the top ten products by return, Zhao Yin Wealth Management has six products listed, while Xing Yin Wealth Management and Jiao Yin Wealth Management each have two. The top product is Zhao Yin Wealth Management's "Zhao Rui Global Asset Momentum Two-Year Regular Open 10 C," which has a net value growth rate exceeding 3% [5] Highlighted Product Analysis - The product with the highest Karma ratio in the current ranking is Zhao Yin Wealth Management's "Zhao Rui Focused Linked Stable Major Asset Index Closed (Exclusive) 1" (referred to as "Focus Linked Stable Closed 1PB"). This product was established on January 10, 2025, with a risk rating of PR2 and is set to mature on January 8, 2026 [7] - As of mid-2025, the product has a net asset value of 122 million yuan and a leverage level of 102.1%. The investment strategy involves a "fixed income + derivatives" approach, with at least 80% of funds invested in fixed income assets and no more than 5% in linked options [7] - The performance benchmark for this product is contingent on the WARP2.WI index's performance, with various scenarios determining the annualized return range from 0.06% to 5.20% [8]