2只“固收+权益”近一年净值涨超6%，偏好投资金融债
2 1 Shi Ji Jing Ji Bao Dao·2025-12-12 10:25

Overall Performance - As of December 4, 2025, there are 1,247 "fixed income + equity" public wealth management products with investment periods of 2-3 years, of which 684 products (54.85%) have disclosed net values and achieved positive quarterly returns over the past year. The average net value growth rate is 3.23%, with a maximum drawdown average of 0.24% [3] - Notable products include three from Huaxia Wealth Management, two each from Everbright Wealth Management and Bank of China Wealth Management, and one each from Xingyin Wealth Management, Hangzhou Wealth Management, and Huizhou Wealth Management [3] Highlighted Product Analysis - Everbright Wealth Management's "Sunshine Gold 36M Incremental Enjoyment No. 2" and "Sunshine Gold 36M Incremental Enjoyment No. 1" rank first and second, with average net value growth rates of 7.12% and 6.21%, respectively. Both products primarily invest in private asset management products, with holding ratios of 83.11% and 93.94% [4] - The top ten holdings of both products include policy bank bonds and financial bonds, with "Sunshine Gold 36M Incremental Enjoyment No. 2" focusing more on policy bank bonds, while "Sunshine Gold 36M Incremental Enjoyment No. 1" also includes perpetual bonds and low-volatility dividend index funds [4] - As of the end of Q3, the net asset values of "Sunshine Gold 36M Incremental Enjoyment No. 2" and "Sunshine Gold 36M Incremental Enjoyment No. 1" are 198 million and 74 million, respectively, indicating a more than twofold difference in scale [4] Unique Product Insights - Huizhou Wealth Management's "'Anying' Fixed Income Enhanced Closed-End Wealth Management Product 230274 (Cycle Dividend)" is the only product in the current ranking with "0 drawdown," achieving an average net value growth of 5.81%, ranking fourth. This product primarily invests in cash, bank deposits, and bonds, with the top ten holdings including non-publicly issued corporate bonds and non-standard assets (trust plans), where non-publicly issued corporate bonds account for 43.26% [5]