Huan Qiu Wang·2026-01-04 03:41Core Insights - The focus of investors is on how to effectively plan their year-end bonuses in the current market environment, aiming for safety while upgrading returns [1] - Financial institutions like Postal Savings Bank, Guangfa Bank, and Everbright Wealth Management are launching targeted "one-stop" year-end bonus investment plans [1][2] - The core theme for year-end bonus investments this year is "steady and low volatility," with institutions providing diversified asset allocation solutions for different risk preferences [1][4] Group 1: Investment Strategies - Guangfa Bank offers a tiered asset allocation strategy categorized as "Conservative - Steady - Aggressive," matching different investors' risk tolerance and return expectations [1] - The conservative allocation focuses on pure bond funds to create a "safety cushion" for asset growth, while the steady allocation suggests "fixed income+" products to enhance yield [1] - The aggressive allocation recommends broad-based index funds for higher returns through long-term holding [1] Group 2: Product Offerings - Everbright Wealth Management suggests splitting the year-end bonus into three segments: short-term living expenses, medium-term expenditures, and long-term compounding growth, each corresponding to different types of fixed-income products [1] - Postal Savings Bank and Bank of Communications are also actively participating in the year-end bonus investment market, offering low-risk or medium-low-risk products tailored to various scenarios [2] - Bank of Communications has enhanced its offerings by adding insurance and precious metals to its "one-stop" investment product matrix [2] Group 3: Risk and Financial Planning - The main risk levels of products are concentrated in PR1 to PR2 categories, with few products rated PR3 or higher appearing in fund recommendations [4] - Analysts recommend that investors analyze their financial situation, risk tolerance, and funding needs before customizing their year-end bonus investment plans [4] - A combined approach of "earmarked funds" and "diversified allocation" is suggested, with cash or daily-opening investment products for short-term needs and insurance products for long-term planning [4][5]