集团 21世纪经济报道 理财公司长盈纯同收类公 品业绩榜单 (投资間期2-3年 | 10 पुरा | 产品名称 | 加权年 管理人 化妆盖 | 同本7月以 来年化 | 成立以来 最大回撤 | 成立儿来 年化波动 | | --- | --- | --- | --- | --- | --- | | | | 제 | 1次学室 | | ਸੀ | | | 固體收益情权 243 | 华夏理财 5.06% | 3.85% | 0.47% | 0.91% | | | 产品264号H | | | | | | | 丰利悦动稳享 到2502号码 收益率用心产品 | 兴银理财 4.92% | 3.88% | 0.16% | 0.66% | | | 雪前固收稳健 三年5175号A | 最佳理财 4.82% | 4.29% | 0.39% | 0.83% | | | 稳利 - - - - - - 式2023年231 | | | | | | 4 | 期固收类理财 | 兴银理财 4.62% | 3.39% | 0.00% | 0.56% | | | 产品A | | | | | | | 北十四四十年号 | | | | | | 5 | THE ...

本期，课题组重点关注理财公司发行的纯固收产品，从代销渠道为投资者筛选出表现较优的在售产品。 为提供有效的选品参考，榜单展示了产品近一月、近三月及近六月的年化业绩，并按照近三月年化收益率进行排序，以此反映 其在近期市场波动中的多维度收益表现。 统计代销机构（28家）：工商银行、中国银行、农业银行、邮储银行、建设银行、交通银行、招商银行、中信银行、光大银 行、民生银行、兴业银行、浦发银行、广发银行、浙商银行、华夏银行、平安银行、恒丰银行、渤海银行、北京银行、宁波银 行、江苏银行、上海银行、南京银行、杭州银行、徽商银行、微众银行、网商银行、百信银行。 需要特别提醒的是：本榜单对理财产品"在售"状态的判断基于其投资周期推算。但实际情况中，部分产品可能因额度售罄，或 银行针对不同客户展示的产品清单存在差异而无法购买。因此，建议投资者以代销银行APP的实际展示为准。 此外，南财理财通虽力求客观公正，但不对本评价榜信息的真实性、完整性和准确性作任何保证，排名信息仅供参考。 | 를 | 代销机构 | 产品名称 | 发行机构 | 投资 周期 | | 年化收益率 | | | --- | --- | --- | --- | --- ...

Overall Performance - As of December 18, 2025, there are 852 public pure fixed-income products with a duration of 3-6 months that have been established for over a year. Among the 511 products with complete net value disclosures, the average annualized return since inception is 2.83%, with 171 products exceeding 3% [4] - The ranking includes six financial companies, with Xingyin Wealth Management and Xinyin Wealth Management each having three products listed, while Guangda Wealth Management, Minsheng Wealth Management, Puyin Wealth Management, and Zhongyou Wealth Management each have one product listed. The top three products have annualized returns since inception exceeding 4% [4] Highlighted Product Analysis - The top product, "Half-Year Xin Shortest Holding Period 18A" from Puyin Wealth Management, has an annualized return since inception of 4.70%. It primarily invests in medium to short-term credit bonds and indirectly through asset management products, with 84.53% of its top ten holdings in trust plans [5] - The second and third products are "Anying Xiang Fixed Income Stable Six-Month Holding Period 29 B" and "Anying Xiang Fixed Income Stable Six-Month Holding Period 9 D" from Xinyin Wealth Management, with annualized returns of 4.33% and 4.08%, respectively. The second product has a high bond holding ratio of 53.53% and a small allocation to public funds at 8.44% [5] - The third product has a significant allocation to cash and bank deposits at 48.10% and does not include public funds. The management believes that the low supply in the bond market at year-end may boost demand, suggesting a focus on interest rate trading value and credit allocation [5]

Overall Performance - As of November 5, 2025, there are 1,126 public fixed-income products with a duration of 3-6 months, of which 831 have complete net value disclosures. The average net value growth rate over the past six months is 1.12%, with an average maximum drawdown of 0.09% [6] - Among the products, 484 achieved positive monthly returns, representing 58.24% of the total [6] - The average net value growth rate for RMB products is 1.11%, with only 51 products exceeding a growth rate of 2%, accounting for 6.23% [6] - Five financial companies are represented in the rankings, with three products achieving "0 drawdown" over the past six months [6] Product Analysis - The "An Ying Xiang Fixed Income Stable Six-Month Holding Period 36th Financial Product G Class" from Xin Yin Financial achieved an average net value growth rate of 3.97%, ranking second in the list. The product primarily invests in bank deposits, public funds, and bonds, with respective allocations of 47.02%, 31.14%, and 19.78% [7] - The "Fu Zhu Pure Bond 182-Day Holding Period 19th Financial Product A" from Min Sheng Financial ranks third, with an average net value growth rate of 3.72% and a maximum drawdown of 0. The product has a bond holding ratio of 73.32% [7]

Overall Performance - As of October 30, 2025, there are 3,905 public pure fixed-income products with a duration of 3 months or less from various wealth management companies, with 2,970 having complete net value disclosures. The average net value growth rate over the past six months is 0.87%, and the average maximum drawdown is 0.05%. A total of 2,211 products, accounting for 74.4%, achieved positive monthly returns, while 16 products reported negative returns [5][6]. - The current ranking includes five wealth management companies, with Xinyin Wealth Management and Minsheng Wealth Management each having three products listed, while Jianxin Wealth Management, Nanyin Wealth Management, Xingyin Wealth Management, and Zhongyou Wealth Management each have one product listed. Notably, several products in this ranking have demonstrated excellent drawdown control and stable return growth, with five products showing a maximum drawdown of 0% [5][6]. Highlighted Product Analysis - The Minsheng Wealth Management's "Fuzhu Pure Bond 60-Day Holding Period Product S" and "Fuzhu Pure Bond 91-Day Holding Period Product A" secured the top two spots in the ranking, with net value growth rates of 2.46% and 2.12%, respectively, both achieving a maximum drawdown of 0% during the six-month period [6]. - The asset allocation for these two products primarily consists of bonds and asset-backed securities, supplemented by bank deposits and other assets. Notably, the "Fuzhu Pure Bond 91-Day Holding Period Product A" also includes a small allocation to bond and money market funds, as well as interbank lending and repurchase agreements, with respective proportions of 1.66% and 0.59% [6]. - The Nanyin Wealth Management's "Dingrui Yuewen Tian Tian Ying Open-Ended Public RMB Wealth Management Product B" ranks fourth, with a net value growth rate of 2.05% and a maximum drawdown of 0%. According to the third-quarter report, the asset allocation for this product is mainly in bank deposits, trust plans, and asset management products, with trust plan investments exceeding 26% of the top ten holdings [6].

Overall Performance - As of September 4, 2025, there are a total of 5,211 public pure fixed-income products with a duration of 3 months or less, showing an average net value growth rate of 1.07%, which translates to an annualized yield of only 2.14% [2] - The overall operation of these products is relatively stable, with an average maximum drawdown of only 0.04% [2] - Among these products, 1,949 achieved positive monthly returns over the past six months, accounting for 37.4%, while 14 products reported negative returns [2] Highlighted Product Analysis - The ranking features products from three financial companies: Huaxia Wealth, Minsheng Wealth, and Ping An Wealth, with Minsheng Wealth having seven products listed, while Huaxia Wealth and Ping An Wealth have two and one products listed, respectively [3] - Huaxia Wealth's "Fixed Income Pure Bond Shortest Holding 7 Days No. 1 A" leads the list with a net value growth rate of 4.25% over the past six months. Since July 21, the product has shown significant growth, with a recent one-week net value increase of 0.06%, equivalent to an annualized rate of 3%, and a one-month growth rate of 0.67%, translating to an annualized rate of 7.84% [3] - Minsheng Wealth's listed products mainly include the Maozhu Pure Bond, Fuzhu Pure Bond, and Fuzhu Youbond series, with "Maozhu Pure Bond 3-Month Holding No. 1 A" and "Fuzhu Pure Bond 91-Day Holding No. 27 A" ranking second and third, respectively [3]

Overall Performance - As of August 21, 2025, there are a total of 1,370 public pure fixed-income products with a duration of 1-2 years, with an average net value growth rate of 2.84% over the past year and an average maximum drawdown of 0.27% [2] - Among these, 810 products achieved positive returns in each quarter over the past year, accounting for 59.1% of the total [3] Highlight Product Analysis - The top five products in terms of returns have an average net value growth rate exceeding 4% over the past year, with Hangyin Wealth's "Happiness 99 Incremental Fixed Income (Smart Pure Bond) 540-day Holding Period" ranking first at a growth rate of 4.63% [4] - The second-ranked product, Huaxia Wealth's "Fixed Income Debt Rights Closed-end 151 No. A," has achieved a net value growth rate of 8.35% since its inception on August 11, 2023, with a significant investment in non-standard assets, which accounted for 33.31% of its portfolio by the end of Q2 this year [4] - The third product, Nanyin Wealth's "Zhulian Bihuo Xinyi Stable Two-Year 36 Period C," has an annualized return of 3.81% year-to-date, with a notable allocation to non-standard assets, comprising 45.59% of its net asset value as of the end of Q1 2025 [4]