下调！多家银行理财管理费降至0%

Core Viewpoint - Multiple bank wealth management subsidiaries are initiating a "fee reduction wave" to enhance product attractiveness and competitiveness in the market [2]. Group 1: Fee Adjustments by Banks - Nan Yin Wealth Management announced a reduction in fixed management fees from 0.4% to 0.01% and sales fees from 0.3% to 0.01% for certain products, effective from January 14, 2026 [4][5]. - Jianxin Wealth Management is also offering fee reductions, with some products' management fees adjusted to 0.01% per year [6]. - Ning Yin Wealth Management has implemented fee reductions across multiple products, with sales service fees for 12 products dropping from 0.3% to 0.0% [8]. Group 2: Market Trends and Implications - The past year has seen numerous wealth management companies announce multiple rounds of fee reductions, leading to a significant decrease in fee levels compared to previous periods [8]. - The ongoing decline in deposit rates is widening the "scissor difference" with wealth management yields, prompting a shift of funds from deposits to wealth management products [9]. - The "fixed income +" products are expected to experience substantial growth in 2026, with an anticipated increase in scale exceeding 1 trillion yuan, becoming a key driver in the wealth management market [9].