3只“固收+期权”近半年涨超5%！合资理财子期权产品收益垫底
2 1 Shi Ji Jing Ji Bao Dao·2025-12-31 05:56

Core Insights - The report focuses on the performance of public "fixed income + options" wealth management products issued by various financial companies, with a statistical cutoff date of December 25, 2025, and a review period of the last six months [1]. Group 1: Product Performance - As of December 25, 2025, there are 195 public "fixed income + options" wealth management products with a lifespan of over six months, showing an average net value growth rate of 2.96% over the last six months [4]. - Among the products, five have a net value growth rate below 1%, with the lowest being Huaihua Wealth Management's "Trend Guide Closed Fixed Income Product 005," which recorded a decline of 0.02% [5]. - The top ten performing products include five from Zhao Yin Wealth Management, two from Xing Yin Wealth Management, two from Jiao Yin Wealth Management, and one from Gong Yin Wealth Management [5]. Group 2: Top Performing Products - The top two products in terms of performance are from Xing Yin Wealth Management's "Feng Li Xing Dong Duo Ce Global Allocation Closed 7," which has a risk rating of R2 and has been in existence for 1,094 days, primarily investing in debt assets and options linked to specific indices [5][6]. - The third product is Zhao Yin Wealth Management's "Zhao Rui Global Asset Momentum Two-Year Open 10," with all three products achieving over 5% net value growth in the last six months, translating to an annualized return exceeding 10% [5]. - The performance benchmark for the top product is set at an annualized rate of 0.3% if the underlying index price does not increase, and between 0.3% to 7% if it does [6]. Group 3: Market Trends - The "Qian Chao Index," which serves as a benchmark for the top product, is a quantitative strategy index that includes major global markets and is based on risk parity and momentum principles [6]. - The index experienced a weak performance in Q2 2025 due to U.S. tariff policy impacts but rebounded in Q3, with a total annual growth of 7.72% for 2025 [6].