混合类理财近3个月收益分化 榜首净值涨逾6% 垫底跌超2%

Overall Performance - As of December 18, 2025, there are 351 mixed public financial products with a maturity of less than 3 months, with an average net value growth rate of only 0.36% over the past three months [6] - More than 70% of the products have a net value growth rate between 0% and 1%, with only one product exceeding a 5% growth [6] - 65 products reported negative net value growth, with the maximum decline reaching 2.89% [6] Product Issuer Performance - Ping An Wealth Management has shown outstanding performance in this category, with an average net value growth rate of 1.89% over the past three months [7] - The top two products in the ranking are both from Ping An Wealth Management: "Youxiang Enhanced No. 1 Mixed RMB Net Value Financial Product" and "Youxiang No. 1 Mixed RMB Net Value Financial Product," with growth rates of 6.57% and 4.92%, respectively [7] - The third place is held by "Zhaoyue Quantitative Hedge FOF No. 1 Mixed Financial Plan" from Zhaoyin Wealth Management, with a growth rate of 2.50% [7] Highlighted Product Analysis - The top product, "Youxiang Enhanced No. 1 Mixed RMB Net Value Financial Product," is classified as a level 4 (medium-high risk) product, with a high allocation to equity assets and public funds, accounting for 39.45% and 39.04%, respectively [8] - The second product, "Youxiang No. 1 Mixed RMB Net Value Financial Product," is a level 3 (medium risk) product with a minimum investment of 1 yuan, and it has increased its allocation to public funds and bonds to 45.11% and 23.95%, respectively [8] - Both top products' managers believe that the implementation of the "Big and Beautiful" tax and spending bill in the U.S. will lead to a period of dual easing in fiscal and monetary policies, benefiting the recovery of U.S. and European assets [8]