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理财产品到期收益
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三季度近三千款产品到期,短期限固收性价比高
Core Insights - The market saw a total of 2,947 closed public wealth management products maturing in Q3 2025, with fixed income products dominating the landscape, accounting for 2,828 products [1][3] - Short to medium-term products are the primary focus for maturing investments, with 6-12 month products leading at 984, representing 74.4% of the total [3][5] - Fixed income products show a higher performance in terms of yield and compliance with benchmarks compared to mixed products, with an overall average yield of 2.63% [5][7] Product Breakdown - Among the maturing products, fixed income products accounted for 2,713, while mixed products totaled 111 [5][6] - The highest number of maturing products falls within the 6-12 month category, followed by 3-6 months, with only 8 products maturing beyond 3 years [3][5] - Fixed income products have a benchmark compliance rate of 41.11% for the central target and 74.11% for the lower limit, indicating a relatively strong performance [5][6] Yield Analysis - Fixed income products yield an average annualized return of 2.63%, with the highest returns seen in products with maturities over 3 years at 3.1% [6][7] - Mixed products have a lower average yield of 2.59%, with the best performance in the 3-6 month category at 2.98% [7] - The performance of mixed products is significantly hindered by longer maturities, with a central target compliance rate of only 12.61% [7]