73只现金理财收益率跌破1%，一产品管理费下降超9成

Group 1 - The article discusses the performance of cash management public funds in the past six months, highlighting the top-performing products and their annualized returns [1][5] - As of January 29, 2026, there are a total of 6,575 cash management products, with 6,541 in RMB and 33 in USD, showing a diverse range of offerings in the market [8] - The average annualized return for RMB cash management products over the past six months is 1.310%, with nearly 90% of products yielding between 1% and 1.5% [8] Group 2 - The top three cash management products include "启源现金4号N" by 苏银理财 with a return of 2.839%, "启源货币3号G" by 示银理财 with 2.733%, and "招赢日日金96号" by 招银理财 with 2.128% [2][3][9] - The "招赢日日金96号" product primarily invests in interbank certificates of deposit, interbank deposits, and short-duration high-grade credit bonds, with a significant holding in "21中信银行永续债" at 6.48% [9] - Starting February 1, 2026, the management fee for "招赢日日金96号" will be reduced from 0.3% to 0.02%, representing a decrease of over 90% [10]