纯固收长盈理财冠军加权收益率超4%，绩优产品偏好搭配公募基金

Core Insights - The article discusses the performance ranking of public fixed-income products issued by wealth management companies, focusing on those with an investment period of 6-12 months and established for over a year [4][5]. Group 1: Recent Market Trends - In early January 2026, the bond market experienced differentiation, with interest rate bonds seeing overall yield increases while credit bonds saw yields decrease. The 1-year AAA-rated medium-term bond yields fluctuated between 1.67% and 1.71%, while the 3-year AAA-rated medium-term bond yields decreased from 1.89% to 1.82% [6]. - Overall, the bond market yields exhibited a "rise, then fall, followed by consolidation" pattern in January [6]. Group 2: Product Performance Overview - As of February 5, 2026, there were 803 public fixed-income products with a maturity of 6-12 months that had been established for over a year. Among the 392 products with complete annual yield disclosures, only one product had a weighted average yield exceeding 4%, while 70% of the products had yields between 1% and 3% [7]. - The ranking included five wealth management companies: Xingyin Wealth Management, Huaxia Wealth Management, Zhongyou Wealth Management, Guangda Wealth Management, and Xinyin Wealth Management, each having two products listed [8]. Group 3: Highlighted Product Analysis - The top product, "Solid Income Stable One-Year Holding Period Product D" from Xinyin Wealth Management, was established in March 2022 and had a net asset value of 536 million yuan by the end of Q4 2025. The product primarily invested in bonds and public funds, including policy financial bonds, corporate bonds, medium-term notes, bond funds, credit bonds, and perpetual bonds. It achieved a yield of 3.03% in 2025, which was below the performance benchmark of 3.20%-4.50% [9]. - The third-ranked product, "Fixed Income Pure Bond Shortest Holding 360-Day Product D A" from Huaxia Wealth Management, was established in January 2025 and had a net asset value of 1.2 billion yuan by the end of Q4. The product allocated 68.19% to bond investments and 18.88% to interbank lending and bond repurchase assets, with a small portion in cash, bank deposits, and public funds [9].