固收+期权理财近3月业绩出炉，兴银、招银3只产品涨超3%

Core Insights - The article discusses the performance of public "fixed income + options" wealth management products over the past three months, highlighting the top performers in terms of net value growth rates [4]. Group 1: Performance Overview - As of February 5, 2026, there are 219 public "fixed income + options" wealth management products with a history of over three months, showing an average net value growth rate of 1.42% and an average maximum drawdown of 0.32% [4]. - The top three products in terms of net value growth rates are from Xingyin Wealth Management and Zhaoyin Wealth Management, with growth rates of 3.54% and 3.49% respectively, while Zhaoyin's "Zhaorui Qianchao Index 3-Year Closed No. 12 (Tailong Exclusive) A" also exceeds 3% [4]. Group 2: Product Details - The top three products are linked to the Qianchao Index, which utilizes risk parity and momentum strategies for global asset selection, with the index showing a total growth of 7.72% for the year 2025 [4]. - The eighth-ranked product from Zhongyou Wealth Management, "Hesheng Duoyuan·Hongjin Closed 2025 No. 24 (Major Asset Rotation Strategy)," was issued in October 2025 and has a maturity date of October 26, 2027, with a risk level of PR2 [5]. - This product has a relatively small fundraising scale of 190,800 yuan and a performance benchmark of 0.3% to 4.2%, with a management fee structure that rewards the manager for exceeding a 3.50% annual return [6].