在市场利率走低、10年期国债收益率跌破2%的背景下，理财公司加大权益投资已成为必然选择。随着去年"9.24"一揽子金 融政策出台，国内资本市场出现重大转变，市场信心明显提振。一年过后，主要指数全线飙升，超1400只个股股价实现翻 倍。面对市场站上3800点后的震荡与板块轮动，投资者的收益体验就像坐过山车。能否既驾驭波动、跟上市场步伐，又让 持有过程更从容，实现收益与体验的"鱼与熊掌兼得"？ 具体来看，恒丰理财8月到期的44只封闭式人民币固定收益类公募理财全部达到业绩比较基准下限，算术平均到期年化收益 率为2.85%。其中，恒丰理财"恒仁安盈固收增强封闭式第6期私行专属"到期年化收益率最高，为3.79%。该产品属于恒丰理 财的恒仁安盈固收增强系列。(详情见2025年9月18日发布的《8月报：权益类理财迎来扩容，今年以来平均收益率达 13%》)"安盈固收增强"历史达标率100% 恒丰理财恒仁安盈固收增强系列于2023年10月推出，定位为权益资产占比不超过10%的"固收+多资产"理财产品，投资期限 集中在18个月上下，内部风险评级为二级(中低风险)。该系列产品将90%以上资产配置于固定收益类资产，权益类资产配置 比 ...

Market Overview - The bond market showed a strong fluctuation with an overall balanced and loose funding environment. The weighted average of DR007 was 1.42% and the yield of 10-year government bonds closed at 1.64% [2] - The A-share market continued its upward trend, with the Shanghai Composite Index, CSI 300 Index, and ChiNext Index increasing by 1.4%, 1.54%, and 1.5% respectively [2] Product Performance - The number of underperforming wealth management products slightly decreased, with 123 out of 24,104 public wealth management products having a cumulative net value below 1, resulting in a comprehensive underperformance rate of 0.51% [3] - The underperformance rates for equity and mixed wealth management products were 43.9% and 6.08% respectively, while fixed income products had a rate of 0.13% [3] New Product Issuance - A total of 488 wealth management products were issued by 31 companies from June 30 to July 4, with the majority being R2 (medium-low risk), closed-end net value type, and fixed income public products [4] - The issuance of mixed products was limited to 11, accounting for 2.2%, while no new equity products were launched [4] - The pricing of new products saw a decline, with the benchmark performance rate for products with a term of less than one month dropping by 13 basis points to 2.17% [4] Product Innovation - Minsheng Bank's new product "Guizhu Fixed Income Enhanced Zhijiang Technology Innovation Semi-Annual Holding Period Wealth Management Product A" focuses on enhancing returns through equity investments in high-quality technology innovation companies in Zhejiang Province [5] - The product "Zhaorui Jiayi (Risk Balanced) Day Open 14-Month Holding No. 1" from China Merchants Bank features a detailed and transparent investment strategy, combining various asset classes [5] Weekly Returns - The overall performance of wealth management products benefited from the rise in the equity market, with fixed income products showing an average net value growth rate of 0.0761% [6] - Cash management products had annualized returns of 1.446% for RMB, 3.957% for USD, and 2.88% for AUD [7] Industry Trends - The total scale of bank wealth management products grew to 31 trillion yuan, with a slight increase of 3.4% compared to the end of last year, despite a decline in average yield by 22 basis points to 2.4% [8] - The redemption of several products from Jianxin Wealth Management was triggered, possibly due to seasonal cash flow returning to deposits [9] - The chief economist of Minsheng Bank anticipates a moderate growth trend in the wealth management market, focusing on deposit replacement and optimizing product structure [10]