你今年赚了多少？银行理财平均收益2.23%

Market Performance - In 2025, the A-share market showed a fluctuating upward trend, with the Shanghai Composite Index rising by 18.41%, the Shenzhen Component Index by 29.87%, and the Sci-Tech Innovation 50 Index by 35.92%, outperforming major US stock indices during the same period [1] - The average increase for 5,355 A-shares, excluding newly listed stocks, was 38.41%, with 538 stocks doubling in price and 1,423 stocks increasing by over 50% [1] - The non-ferrous metals sector led the market with an average increase of 80%, followed by defense, automotive, telecommunications, and machinery sectors, all exceeding 50% [1] Fund Performance - Public funds achieved an average return of 18.67% in 2025, with significant performance disparities; the top-performing fund, "Yongying Technology Smart A," recorded a return of 239.78% [2] - A total of 166 funds doubled their returns, while 2,071 funds (9.56%) exceeded 50% returns, contrasting with 1,083 funds that reported negative returns, including many consumer-themed and bond funds [2][3] Bank Wealth Management - Bank wealth management products faced pressure, with an average annualized return of only 2.23% due to a weak bond market and declining fixed-income asset yields [4] - The average annualized returns for equity, mixed, and fixed-income products were 6.84%, 4.76%, and 2.11%, respectively, with cash management products dropping to an average seven-day annualized yield of 1.26% [4] Commodity Market - Commodities, particularly precious metals, were the standout asset class in 2025, with COMEX gold rising by 64.9% and COMEX silver soaring by 159.53% [6] - Commodity-focused public funds achieved an average return of 51.15%, with gold ETFs also yielding over 50% returns [8] Interest Rates and Savings - Deposit rates continued to decline, with major banks initiating a "rate cut wave" in May 2025, leading to a general drop of 15-25 basis points across various term deposits [7] - The mainstream deposit rates have entered the "1 era," with some long-term deposit rates falling below those of shorter terms, indicating a trend of funds shifting from fixed-income assets to diversified equity and commodity investments [7]