以稳为锚、专业为先 平安理财打造更省心、更省时的“好理财”

Core Viewpoint - The establishment of bank wealth management subsidiaries has become a cornerstone for the financial assets of the public, driven by trust in bank wealth management products. In a low-interest-rate environment, wealth management companies are required to enhance their investment research capabilities to meet investor expectations for returns [1] Group 1: Investment Management Strategies - Ping An Wealth Management has developed an "industrial + platform" investment management model to efficiently integrate internal and external resources and investment strategies, aiming for higher long-term performance while controlling drawdowns [1] - The "Qiyuan Series" is a core representative of the fixed income product line, achieving a 100% performance compliance rate with an average annualized return of 3.98% as of November 20, with specific products like "Qiyuan Strategy One-Year Open 5A" targeting a 2024 annualized return of 5.39% and a maximum drawdown of only -0.42% [2][3] Group 2: Risk Management and Performance - The "fixed income quantitative strategy" used in the Qiyuan series is rare among competing products, showing strong performance in volatile markets by quickly reducing positions to control interest rate duration risk and implementing hedging strategies [3] - Ping An Wealth Management maintains a strategic focus on enhancing returns while controlling drawdowns, with products like "Qihang Enhanced Stable Income" series showing solid performance and appealing to conservative investors [4][6] Group 3: Market Trends and Product Development - The "fixed income +" products have gained popularity among investors due to their performance in a declining fixed income asset yield environment and a recovering equity market [7] - In 2025, Ping An Bank and Ping An Wealth Management will undergo a systematic restructuring and branding upgrade of their wealth management product system, introducing a new product brand system with four sub-series targeting different asset classes [8][10]