Sou Hu Cai Jing·2026-01-04 13:35Core Insights - The article discusses how various banks are launching year-end bonus investment plans to help investors manage their funds effectively in the current market environment, focusing on safety and yield enhancement [1][2]. Group 1: Investment Strategies - Multiple banks, including Postal Savings Bank, Guangfa Bank, and Everbright Wealth, are promoting "one-stop" investment solutions for year-end bonuses, emphasizing a stable and low-volatility approach [1][2]. - Guangfa Bank offers a tiered asset allocation strategy categorized as conservative, stable, and aggressive, aligning with different risk appetites and return expectations of investors [1]. - Everbright Wealth suggests dividing the year-end bonus into three segments based on usage: short-term living expenses, medium-term expenditures, and long-term growth, each linked to specific low-risk fixed-income products [2]. Group 2: Product Offerings - Postal Savings Bank and Bank of Communications are also actively participating in the year-end bonus investment market, with Postal Savings Bank providing tailored low-risk products based on different usage scenarios [2]. - Bank of Communications has enhanced its offerings by including insurance and precious metals alongside its stable mid-term investment products, broadening the "one-stop" investment matrix [2]. - The main focus of the products is on PR1 to PR2 risk levels, with only a few higher-risk options appearing in fund recommendations, indicating a conservative investment climate [2]. Group 3: Expert Recommendations - Analysts recommend a combined approach of "designated funds for specific uses" and "diversified allocation" to meet various financial needs, ensuring liquidity and safety for short-term needs while considering long-term growth through appropriate insurance products [3]. - Investors are advised to analyze their financial situations, risk tolerance, and funding needs before customizing their year-end bonus investment plans, taking into account income stability and market trends [2][3].