这类理财，近一个月平均年化收益率逼近90%！

Core Insights - The average annualized yield of commodity and financial derivative wealth management products significantly increased to 89.73% in January 2026, marking a rise of 13.83 percentage points from December 2025, reaching the highest level in nearly a year [1][2] Group 1: Yield Performance - In January 2026, the average annualized yields for commodity and financial derivative wealth management products over different periods were reported as follows: 89.73% (1 month), 51.31% (3 months), 56.72% (6 months), and 47.69% (1 year) [2] - The average annualized yield for equity wealth management products also saw a substantial increase, with yields of 38.92% (1 month), 22.86% (3 months), 28.82% (6 months), and 25.26% (1 year) [2] - The 1-month average annualized yield for equity products rose by 32.15 percentage points compared to December 2025, indicating a significant improvement [2] Group 2: Market Influence - The surge in yields for derivative and equity wealth management products is attributed to the strong performance of the A-share market, particularly the Shanghai Composite Index, which achieved a record 17 consecutive days of gains from December 17, 2025, to January 12, 2026 [4] - The trend indicates that since January 13, 2026, the Shanghai and Shenzhen indices have entered a consolidation phase, suggesting a likelihood of yield decline for these products in the short term [4] - Despite the short-term outlook, the long-term trend for A-shares remains unclear, with optimistic expectations suggesting that these products may continue to perform well, although it is unlikely to replicate the recent exceptional performance [4]