旗团 21世纪经济报道 理财公司月月正收益纯固收类 公募产品近一年业绩榜单 (投资周期6-12个月 | 号 | 产品名称 | 三十八 | 净值增 长率 | 最大回撤 | 年化波动 湖 | | --- | --- | --- | --- | --- | --- | | | 邮银财富·鸿运一年定开1 4号人民可理财产品 | 中邮理财 4.25% | | 0.51% | 0.89% | | | 9个月信用精选最短的有 | 中银理财 | 3.63% | 0.05% | 0.42% | | | 斯国仅里斯音品A | | | | | | | 邮政营销量可能运用期365 天型3号人民币理财产品 | 中邮理财 3.57% | | 0.43% | 0.70% | | 4 | 丰利甄合1年定期开放1 | 兴银理财 | 3.57% | 0.01% | 0.50% | | | 号固化学生财产品A | | | | | | 5 | 珠联璧合安稳1909一年 宸开公募人民币理财产品 南银理财 3.50% | | | 0.05% | 0.20% | | | B | | | | | | | "安容"固定收益类一年定 | 144 2 2 1 - ...

Overall Performance - As of the end of Q3 2025, there are a total of 7,325 public pure fixed-income RMB products from wealth management companies, with an average net value growth rate of 0.50% and an average maximum drawdown of 0.05% [5] - Only 310 pure fixed-income products achieved a net value growth rate exceeding 1% in Q3, accounting for less than 5% of the total, while 288 products reported negative returns, representing 3.9% [6] Product Analysis - The top product, "Fixed Income Pure Debt Short Holding 60 Days Wealth Management Product E," managed by Huaxia Wealth Management, achieved a net value growth rate of 4.26% in Q3, significantly outperforming others [7] - Huaxia Wealth Management has six products listed in the top rankings, with the second and third products, "Fixed Income Pure Debt Short Holding 180 Days Wealth Management Product G" and "Fixed Income Pure Debt Short Holding 30 Days Wealth Management Product J," showing growth rates of 2.77% and 2.76% respectively [7] - The top product was launched on March 11, 2025, and has shown stable growth since its inception, with a brief period of rapid growth from mid-July to mid-August 2025 [8] - The product "An Ying Xiang Fixed Income Stable Six-Month Holding Period No. 9 Wealth Management Product D" from Xinyin Wealth Management also reported a maximum drawdown of 0.00% [7]

Core Insights - The article discusses the performance of pure fixed-income public funds issued by wealth management companies with investment periods of 2-3 years, highlighting that 83.09% of these products achieved positive returns in each quarter over the past year [5]. Overall Performance - As of August 28, 2025, the average net value growth rate for these products over the past year is 3.2%, with an average maximum drawdown of 0.22% [5]. Highlighted Product Analysis - The top-performing product is "Fuzhu Fixed Income Stable Three-Year Closed No. 2A" from Minsheng Wealth Management, which achieved a net value growth rate exceeding 5% over the past year, with a maximum drawdown of only 0.02% [6]. - The second product, "Fuzhu Fixed Income Preferred 25-Month Closed No. 4Q," also from Minsheng Wealth Management, has nearly 50% of its holdings in non-standard debt assets, with a total non-standard asset ratio of 46.88% as of mid-year [6]. - The third product, "Happiness 99 Abundant Fixed Income 23003 Period (Stable Low Volatility) FYG23003D" from Hangyin Wealth Management, has a high concentration in its top ten holdings, accounting for about 90%, with an expected annualized yield of approximately 5.31% as of August 29 [6].

Core Insights - The report focuses on the performance of pure fixed income, "fixed income + options," and cash management financial products [1] - The analysis covers the average net value growth rates and highlights top-performing products in each category [5][8][11] Group 1: Product Performance - As of June 19, the average net value growth rate for pure fixed income products with a maturity of three months or less was 1.07%, outperforming cash management products [5] - Among pure fixed income products, 88.55% recorded positive returns each month over the past six months [5] - The top-performing product was Hangyin Wealth's "Happiness 99 Gain Fixed Income (Short Debt) Daily Open Type" with a net value growth rate of 2.89% [5] Group 2: Highlights of Fixed Income + Options Products - The average net value growth rate for "fixed income + options" products was 0.21%, with a maximum drawdown of 1.37% [8] - The leading products in this category were "Zhaoyin Global Asset Momentum Two-Year Fixed Open 8A" and "Zhaoyin Global Asset Momentum Fourteen-Month Fixed Open 8A," with growth rates of 1.91% and 1.55%, respectively [8] Group 3: Cash Management Products - The average annualized yield for RMB cash management products over the past six months was 1.562%, while for USD cash management products, it was 4.028% [11] - The top cash management products included "Qiyuan Cash 5 No. J" and "Qiyuan Currency 2 (ESG Theme) G," with yields of 2.925% and 2.626%, respectively [11]