Core Insights - The article emphasizes the abundance of bank wealth management products with similar names and vague characteristics, urging investors to carefully select and differentiate among them [1] - The focus is on pure fixed-income products issued by wealth management companies, providing a performance ranking of these products based on their annualized returns over the past month, three months, and six months [1] Summary by Category Product Performance - The ranking showcases products with outstanding performance, sorted by annualized returns over the past three months to reflect their multidimensional yield performance amid recent market fluctuations [1] - Specific products highlighted include those from Huaxia Bank, which achieved annualized returns of 9.89% over 1 month and 10.92% over 3 months for a 180-day holding period [7] - Other notable products include those from China Bank and China Construction Bank, with varying annualized returns across different holding periods [5][8] Distribution Channels - The article lists 28 distribution institutions, including major banks such as Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China, among others [2] - It notes that the availability of products may vary due to factors like sold-out quotas or differences in product listings for different customers, advising investors to refer to the actual displays on bank apps [2] Data Source - The performance data is sourced from the Nanfang Financial Terminal and Nanfang Wealth Management, with statistics as of November 20 [5][12]

Core Insights - The bond market has rebounded since October after adjustments in the third quarter, leading to a recovery in pure fixed-income wealth management products, with some achieving rapid net value growth [1][2] Group 1: Performance of Fixed-Income Products - The top-performing pure fixed-income products in the last month include "Zhaoyin Wealth Management Zhaorui Anyu (Heying) Fixed Income Plan A," which saw a monthly annualized return of 13.16%, despite a year-to-date annualized return of only 2.78% [2][3] - The fastest net value rebound was attributed to holdings in "bank perpetual bonds," which tend to be sold off during market adjustments but can rebound significantly when liquidity returns [3][4] Group 2: Characteristics of High-Performing Products - High-performing products generally have a bond holding ratio of over 60%, with some approaching 100% [5] - These products favor interest rate bonds, financial bonds, or urban investment bonds, with some also holding convertible bonds [6] Group 3: Risk and Evaluation Metrics - The "Minsheng Wealth Bamboo Pure Bond 182-Day Holding Period Product" has a maximum drawdown of 1.67%, indicating moderate risk control [4] - The evaluation of these products considers multiple dimensions, including yield performance, risk control, risk-adjusted returns, and overall fee rates, with a focus on maintaining a good growth momentum over time [6]

Core Insights - The article discusses the diverse range of bank wealth management products available, emphasizing the need for investors to discern and select suitable options amidst similar-sounding and vaguely characterized products [1] - The South Finance Wealth Management team compiles a weekly performance ranking of wealth management products sold through various distribution channels, focusing on those with outstanding performance [1] - The ranking criteria include product type, specifically targeting pure fixed income, "fixed income plus," and mixed products, along with performance stability, requiring a minimum of three months of performance data [1] Product Performance Summary - The ranking showcases annualized performance over the past month, three months, and six months, sorted by the three-month annualized return to reflect multidimensional performance during recent market fluctuations [1] - The current focus is on pure fixed income products issued by wealth management companies, highlighting those available for investors through distribution channels [1] Distribution Institutions - A total of 28 distribution institutions are mentioned, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2] - The ranking's assessment of the "on-sale" status of wealth management products is based on their investment cycle, but actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [2] Performance Data - The article provides specific performance data for various wealth management products, including annualized returns and investment periods, with notable products listed from institutions like Bank of China and Minsheng Bank [5][7][10] - For instance, products from Bank of China show annualized returns ranging from 5.40% to 8.53% over different holding periods, indicating competitive performance in the current market [5][10]

Core Viewpoint - The article discusses the diverse range of bank wealth management products available, emphasizing the need for investors to carefully select and identify suitable options based on performance metrics and product types [1]. Group 1: Product Selection and Performance - The article highlights a weekly performance ranking of wealth management products, focusing on those with strong performance in the categories of pure fixed income, "fixed income +", and mixed products [1]. - The ranking criteria include product type and performance stability, requiring products to have been established for at least three months to ensure sufficient performance data [1]. - The performance metrics displayed include annualized returns over the past month, three months, and six months, with a focus on the three-month annualized return for recent market performance [1]. Group 2: Distribution Channels - The article lists 28 distribution institutions, including major banks such as Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China, among others [2]. - It notes that the availability of products may vary due to factors such as sold-out quotas or differences in product listings for different customers, advising investors to refer to the actual displays on bank apps [2]. Group 3: Performance Data - The article provides specific performance data for various wealth management products, including annualized returns for different time frames, such as 7.59% for a product from Bank of China over a 180-day period [5]. - It includes a detailed table of products with their respective annualized returns for the past month, three months, and six months, showcasing the competitive landscape of fixed income products [7][10].

Core Insights - The article emphasizes the importance of selecting bank wealth management products amidst a plethora of similar-sounding offerings, urging investors to discern and choose wisely [1] - The South Finance Wealth Management team compiles a weekly performance ranking of wealth management products available through various distribution channels, focusing on those with outstanding performance [1][6] - The ranking criteria include product type, specifically targeting pure fixed income, "fixed income plus," and mixed products, as well as performance stability over a minimum of three months [1] Group 1: Product Performance - The ranking showcases annualized performance over the past month, three months, and six months, sorted by the three-month annualized return to reflect multidimensional performance during recent market fluctuations [1] - The current focus is on pure fixed income products issued by wealth management companies, providing investors with a curated selection of available products [1] Group 2: Distribution Institutions - A total of 28 distribution institutions are involved, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2] - The assessment of the "on sale" status of wealth management products is based on their investment cycle projections, although actual availability may vary due to factors like sold-out quotas or differing product lists for various clients [2] Group 3: Performance Data - The article includes specific performance data for various wealth management products, detailing their annualized returns over different periods, such as the "Stable Wealth High-Grade Pure Bond 18" from Bank of China, which has a three-month annualized return of 7.67% [5] - Other notable products include "Stable Enjoy Flexible Wisdom Day Open 20" from China Merchants Bank with a three-month return of 7.47% and "Stable Wealth High-Grade Pure Bond 36" also from Bank of China with a return of 7.27% [5][7]

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 article focuses on the performance of three categories of wealth management products: cash management products, pure fixed-income products, and "fixed income + options" products [1][5]. Cash Management Products - The average annualized yield for cash management products as of May 29 is 1.53%, remaining stable compared to May 21 [9]. - The highest yield among cash management products is from "Suyin Wealth's QiYuan Currency 1," with an average annualized yield of 3.095% [9]. Pure Fixed-Income Products - The average yield for pure fixed-income public products with a 6-12 month investment period is 2.51%, down by 0.21 percentage points from April 17 [5]. - Only 26.46% of these products achieved positive monthly returns over the past year, a decrease of 6.68 percentage points compared to April 17 [5]. - The top-performing product in this category is "Xinyin Wealth's AnYing Xiang Fixed Income Stable Nine-Month Holding Period 7," with a net value growth rate of 3.56% [5]. "Fixed Income + Options" Products - The top product in the "fixed income + options" category is "Zhaoyin Wealth's Zhaorui Global Asset Momentum Fourteen Month Fixed Income Plan A," with a net value growth rate of 1.14% over the past three months [12]. - Zhaoyin Wealth and Xingyin Wealth each have three products listed in the top rankings, while Ping An Wealth has two [12]. Investment Preferences - Many products favor non-standard assets and urban investment bonds, with some also investing in real estate bonds [6].