Overall Performance - As of June 5, the average yield of public cash management products in RMB over the past six months is 1.58%, showing a slight decline compared to May 22 [10] - The average annualized yield of public cash management products in USD over the same period is 4.06% [10] - For pure fixed-income products with a 1-2 year investment cycle, the average yield is 3.08%, down by 0.07 percentage points from April 29 [5] Highlighted Product Analysis - The top-performing pure fixed-income product over the past year is "Nan Yin Wealth Zhulian Bihhe Xinyi Stable Two-Year 36th Closed Public RMB Financial Product C," with a net value growth rate of 4.79% [6] - The second highest is "Huaxia Wealth Fixed Income Debt Type Closed Financial Product 151th A," yielding 4.5% [6] - The third is "Happiness 99 Gain Fixed Income (Smart Enjoy Pure Debt) 540-Day Holding Period Financial Product," with a yield of 4.13% [6][7] Cash Management Products - The top three cash management products with the highest average annualized yield over the past six months are "Suyin Wealth Qiyuan Cash No. 5 J" at 2.91%, "Suyin Wealth Qiyuan Currency No. 2 (ESG Theme) G" at 2.63%, and "Bohai Wealth Silver Storage Series Add Gold Cash Management Financial Product No. 3 G" at 2.33% [11] "Fixed Income + Options" Products - The average net value growth rate for public "fixed income + options" products over the past six months is 0.6%, showing a slight decline compared to May 8 [14] - The top three products in this category are from Zhaoyin Wealth, with "Zhaoyin Global Asset Momentum Two-Year Fixed Income Plan A" leading the list [15]

Core Insights - The report highlights the performance of various financial products, particularly focusing on cash management, pure fixed income, and "fixed income + options" products, revealing trends in yields and investment strategies [6][11][15] Cash Management Products - The average annualized yield for public RMB cash management products over the past six months is 1.64%, while USD cash management products yield an average of 4.19% [11] - The highest yielding cash management product is "Hua Xia Financial Cash Management Product No. 80," with a yield of 3.16% [11] - Other notable products include "Su Yin Financial Qi Yuan Currency No. 2 (ESG Theme) G" at 2.64% and "Pu Yin Financial Tian Tian Ying Zeng Li No. 48 Cash Management Product A" at 2.53% [11] Pure Fixed Income Products - The average yield for public pure fixed income RMB products over the past year is 2.72%, while foreign currency products yield 3.41% [6] - "Nan Yin Financial Zhu Lian Bi He Xin Yi Wen Yi 160 Period" leads with a yield of 3.62%, followed by "Nan Yin Financial Ding Rui Xing Wen Yi 2022 No. 1" at 3.59% and "Su Yin Financial Heng Yuan 1 Year Fixed Open D" at 3.55% [6][7] - A significant portion of these top-performing products invests heavily in non-standard assets, with "Nan Yin Financial Zhu Lian Bi He" having a non-standard asset investment ratio of 48.78% [6][7] Fixed Income + Options Products - The average yield for public "fixed income + options" products over the past six months is 0.62%, showing a decline since the beginning of the month [15] - The top product in this category is "Zhao Yin Financial Zhao Rui Global Asset Momentum Two-Year No. 3," with a net value growth rate of 2.35% [15] - Other products in this category have net value growth rates below 2%, indicating a general underperformance in this segment [15]