理财年度盘点③丨1.38万款理财到期，业绩下限达标率超8成

Core Viewpoint - In 2025, a total of 13,815 closed-end public products from 32 wealth management companies will mature, representing a 51.53% increase compared to 2024, with fixed income products dominating the maturity landscape [1][2]. Group 1: Product Maturity Overview - The number of maturing products is significantly higher, with fixed income products accounting for the majority, totaling 13,218, while mixed, equity, and commodity/financial derivative products have 509, 62, and 26 respectively [2]. - Leading institutions such as Xingyin Wealth Management will have nearly 1,000 maturing products, while other major firms like Zhaoyin, Jianxin, Bank of China, ICBC, and Ping An will each have over 600 maturing products [2]. Group 2: Investment Cycle Analysis - Products with a maturity period of 6-12 months lead in quantity, totaling 4,667, which is 33.8% of the total; followed by 3-6 months with 3,600 products (26.1%), and 1-2 years with 3,502 products (29.6%) [4]. Group 3: Performance Metrics - The overall performance threshold achievement rate for 11,092 maturing products is 48.76%, with a lower limit achievement rate of 82.36% [7]. - Fixed income products show a lower limit achievement rate of 84.28% and a mid-point achievement rate of 49.66%, with short-term products (1-3 months) performing particularly well [7][9]. - Long-term products (2-3 years and over 3 years) have significantly lower achievement rates, at 30.86% and 31.58% respectively [7]. Group 4: Yield Performance - The average annualized yield for fixed income products is 3.02%, with products over 3 years yielding the highest at 4.16% [9]. - Mixed products have a lower average annualized yield of 2.27%, with the highest yield for those over 3 years at 7.04% [9].