Guo Ji Jin Rong Bao·2025-12-26 15:25Group 1 - The core viewpoint of the articles highlights that banks are launching "year-end bonus wealth management" plans to cater to the needs of employees receiving year-end bonuses, focusing on stable and low-risk investment products [1][2][3] - Several banks, including Postal Savings Bank, China Construction Bank, and Bank of Communications, are offering "one-stop" wealth management solutions that include deposits, investments, and insurance products [1][2] - The recommended investment products are primarily low-risk (PR1) or medium-low risk (PR2), with a focus on meeting customer needs and enhancing customer loyalty in a competitive market [2][3] Group 2 - This year, banks are incorporating various insurance products into their year-end wealth management plans, with some banks prioritizing conservative and stable insurance options alongside traditional investment products [3][4] - The overall trend in year-end wealth management plans is towards low volatility and stability, with higher risk products being less common [4] - Experts suggest that investors should analyze their financial situation, risk tolerance, and future funding needs to create a tailored investment plan that balances risk and return [4][5] Group 3 - For short-term funds, it is recommended to choose highly liquid cash management products, while medium-term funds can be allocated to low-risk fixed income products [5] - Long-term investments may include rights-based financial products, with diversification through funds being encouraged to achieve long-term return goals [5][6] - The global economic uncertainty is expected to persist, and the wealth management market is projected to continue expanding, necessitating investor education on asset allocation and investment strategies [6]