专题：财富领航征程丨金融新启航 作为金融市场的重要组成部分，理财行业在支持实体经济发展、满足居民财富管理需求、优化社会融资 结构等方面发挥重要作用。围绕做好金融五篇大文章，金融机构应如何扎实服务实体经济、助力经济高 质量发展？本期《财富领航征程》对话北京大学汇丰商学院助理教授赵泠箫。 当前，中国理财行业正处于资管新规深化转型的关键阶段，风险与收益再平衡成为核心课题。赵泠箫认 为，居民理财理念正从"保本保息"向"风险收益相匹配"转变，此过程对机构的资产配置能力、风险管理 体系，以及投资者的长期陪伴与教育机制提出了更高要求。 她认为，理财行业创新将在科技与制度双轮驱动下突破发展瓶颈。科技端，大模型与可解释AI的融合 将推动智能投顾从标准化工具升级为动态化"财富管家"，通过实时解析投资者需求与市场变化，实现全 生命周期精细管理；制度端，个人养老金账户的快速普及将显著优化资金期限结构，借鉴生命周期基金 和目标日期基金等国际成熟模式的本土化实践，结合投资者教育引导资金从短期避险转向"长期风险收 益平衡"，为科创板ETF、绿色债券等国家战略领域提供长期资本支持。 理财行业处于资管新规深化转型关键期，风险与收益再平衡成为核 ...

国庆中秋"双节"即将来临，如何让资金在假期里"不休假"？ 除了要选定产品，把握时机也很重要。投资者需要在节前理财产品闭市前，完成申购并确认 市场份额。目前多数理财产品的申购确认时间为"T+1"，也有部分理财产品 为"T+0"或"T+2"。不同产品的计息时间不同，给投资者带来的收益机会也有差异。 近几日，银行理财子公司、支付宝、微信等多家机构发布"节前理财攻略"。对于现金理财类 产品，多家机构建议，9月29日15：00前买入，连享9天收益机会。 余额宝PK零钱通 支付宝余额宝收益规则明确，9月29日15：00前转入，份额假期前确认，可享受9月30日-10 月8日期间9天收益；9月29日15：00后转入，份额将在国庆节后确认，假期不享有收益。 目前，余额宝共有33只货币基金产品，从最新收益率情况来看，这33只货币基金7日年化收 益率在1.0170%-1.2720%不等。最高的"工银财富货币A"产品，7日年化收益率为1.2720%。 收益率最低的产品为"长信利息收益货币A"，7日年化收益率为1.0170%。 可以看到，近一个月，余额宝收益率一直在1.0%-1.2%区间徘徊，相信在假期也不会有太大 的波动。 投资者在 ...

Core Insights - As the Mid-Autumn Festival and National Day approach, banks and wealth management subsidiaries are intensifying marketing activities around "holiday returns" [1][2] - Various banks have launched exclusive holiday financial products, emphasizing "early planning and pre-holiday confirmation" to attract idle funds [1][2] Group 1: Product Offerings - Multiple banks, including ICBC and CMB, have introduced holiday-specific financial plans that allow investors to confirm their shares and enjoy returns during the holiday period [1][2] - Institutions like Ping An Wealth and Minsheng Wealth have followed suit, offering similar products across cash management and short-term pure debt categories, expanding investor options [2] Group 2: Investment Strategies - Investors are advised to pay attention to fixed time windows for these products, with most requiring subscription by September 29 and confirmation by September 30 to enjoy holiday returns [2] - For those missing the regular subscription period, "delayed subscription and redemption" products are available, extending purchase and redemption times to enhance investment flexibility [2] Group 3: Alternative Investment Options - In addition to wealth management products, notice deposits and government bond reverse repos are viable options for conservative investors, with a current interest rate of approximately 0.65% for 7-day notice deposits [3] - Investors with securities accounts can participate in government bond reverse repos, which are convenient and low-risk, also covering the holiday return period [3] Group 4: Risk Considerations - The core of holiday financial planning lies in "early planning and precise matching," requiring investors to consider idle fund duration, risk tolerance, and liquidity needs to effectively utilize idle funds during the holiday [4]

Core Viewpoint - The upcoming Mid-Autumn and National Day holidays are prompting banks and wealth management companies to intensify marketing activities focused on "holiday returns," offering various investment products to attract idle funds [1][2]. Group 1: Holiday Investment Products - Multiple banks and wealth management firms have launched holiday-specific investment plans, emphasizing "early layout and pre-holiday confirmation" to maximize returns during the holiday period [1][2]. - For instance, ICBC Wealth Management's "pre-holiday investment guide" allows investors to confirm shares by September 30, enabling them to enjoy returns from September 30 to October 8 [1]. - Other institutions, such as China Merchants Bank Wealth Management, suggest combinations of cash management and short-term debt products to optimize returns during the holiday [1][2]. Group 2: Flexible Investment Options - Institutions like Ping An Wealth Management and Minsheng Wealth Management have introduced similar products that require subscription by September 29 to secure holiday interest [2]. - Some companies are extending the subscription and redemption times for certain products to enhance investment flexibility, allowing purchases even after traditional trading hours [2]. - A recommended strategy involves a combination of government bond reverse repos and on-market liquidity management products to achieve dual returns during the holiday [2]. Group 3: Alternative Investment Choices - In addition to wealth management products, options like notice deposits and government bond reverse repos are available for conservative investors, with notice deposits offering a higher interest rate compared to regular savings [3]. - Investors with securities accounts can easily participate in government bond reverse repos, which also cover the holiday return period [3]. Group 4: Strategic Planning for Holiday Investments - The essence of holiday investment lies in "early planning and precise matching," where investors should consider factors like idle fund duration, risk tolerance, and liquidity needs to select appropriate products [4].

| ਜ਼ਿ | 产品名称 | 管理人 | 起购金额 | 近3月内 七日年化 | | --- | --- | --- | --- | --- | | 름 | | | (元) | 收益率均 | | | | | | E | | | J 启源现金4号N | 苏银理财 0.01 | | 2.887% | | | 启源货币3号G | 苏银理财 | 1 | 2.785% | | | 招赢目目会96号A | 招银理财 | 0.01 | 2.162% | | 4 | 京华远见 | 北银理财 | 0.01 | 2.091% | | 5 | 恒仁新恒梦钱包25号A | 阳丰暖测 | 1 | 2.053% | | 6 | 徽号观合 - 理类47号-C | 徽银理财 0.01 | | 2.009% | | 7 | 阳光碧乐活195号I | 光大理财 | ال | 1.994% | | 80 | 油惠来了专属于旅利现金宝68号 | 浦银理财 | 0.01 | 1.993% | | 9 | 天天成长3号44期B | 平安理财 0.01 | | 1.971% | 全媒体集团 21世纪经济报道 理财公司公募现金类型财 近3月七日年化收益率均值 ...

今年9月国际金价从不到3500美元一路飙升，一度突破3800美元/盎司，月内涨幅高达9.6%。 在这场黄金盛宴中，有多款挂钩黄金的理财产品触发止盈条件而"提前毕业"，9月2日招银理财旗下挂钩黄金的理财产品提前近半年终止，光大理财旗下另一 款产品也宣告9月9日提前到期。 与此同时，银行理财公司"固收+黄金"类理财产品的发行明显升温。根据中国理财网数据，截至9月28日，名称中含有"黄金"的存续理财产品共有48只，发行 节奏加快。 不过业内分析师指出，虽然长远看金价仍有上涨空间，但目前金价短期到达一定高位，挂钩黄金类理财产品可能存在回撤风险。 提前终止 为投资者带来多少回报？ 9月的黄金市场格外火热，而这一行情蔓延至理财产品。9月以来，随着金价持续站稳3500美元/盎司台阶，多款挂钩黄金的理财产品因触发止盈条件而提前 终止。 9月2日招银理财发布公告称，旗下"招睿目标盈稳金5号固收增强理财计划"因达到止盈条件而提前终止。该产品原预计到期日为2026年2月22日。 无独有偶，光大理财也紧随其后发布公告称，"阳光青睿跃乐享35期（黄金自动触发策略）"理财产品因挂钩的黄金衍生品触发敲出事件将于9月9日提前到 期。 | 观 ...

（原标题：2款权益类理财近一年涨幅超100%，指数投资受青睐） 产品统计范围为理财公司发行的公募权益类产品，统计截止日期为2025年9月25日，统计区间为近1年。 值得注意的是，本次华夏理财上榜产品均为"天工日开"系列产品。跟踪新型储能指数的4号产品以及跟踪微盘成长低波指数的6号产品分别位列榜 单第三、第四，其净值增长率依次是73.63%、71.37%。9月18日，华夏理财继续加码权益类投资，新发行5只天工日开指数跟踪产品，编号为15至 19号。其中，15号产品追踪AI云计算指数，标的指数为华夏理财AI云计算指数（993209.SSI）；16号产品追踪港股通高股息指数，标的指数为华 夏理财港股通红利30指数（993208.SSI）；17号产品追踪军工电子指数，标的指数为华夏理财军工电子指数（993210.SSI）；18号和19号产品分别 追踪中诚信A500高分红指数、中诚信自由现金流精选50指数。 榜单排名来自理财通AI全自动化实时排名，如您对数据有疑问，请在文末联系助理进一步核实。 展望后市，光大理财认为，在政治局会议强调"巩固资本市场回稳向好势头"以及9月美联储降息的背景下，AI 产业链、人形机器人等新质 ...

财经全媒体集团 21世纪经济报道 (好) 摩妮 EVI童 理财公司公募现金类理财 近3月七日年化收益率均值榜 | li 특 | 产品名称 | 管理人 | 起购金额 (元) | 『BET 七日年化 收装率拉 | | --- | --- | --- | --- | --- | | | | | | 庫 | | | 启源现金4号N | 苏银理财 0.01 | | 2.887% | | | 高原货币3号G | 苏银理财 | 1 | 2.785% | | | 招赢目目会96号A | 招银理财 0.01 | | 2.162% | | 4 | 京华远见 | 北银理财 | 0.01 | 2.091% | | 5 | 恒仁新闻 今年 225号A | 恒丰理财 | 1 | 2.053% | | 6 | 徽安顿合管理类47号-C | 徽银理财 | 0.01 | 2.009% | | 7 | 阳光碧乐活195号I | 光大理财 | J | 1.994% | | 8 | 油惠来了 写唐 大添加班 = 68号 | 浦银理财 | 0.01 | 1.993% | | 9 | 大大成长3号44期B | 平安 详测 | 0.01 | 1.971% ...

Group 1 - The core viewpoint of the article highlights the surge in gold prices and the increasing popularity of gold investment products, leading to a dilemma for investors on whether to enter the market now or risk being "the last one holding the bag" [1][14]. - Recent trends show that traditional fixed-income products have seen yields drop below 2%, making gold investment products more attractive, with annualized returns ranging from 2.00% to 4.00% [3][5]. - As of September 28, there are 48 gold-related investment products available in the market, indicating a significant interest from banks in launching these products [5]. Group 2 - The structure of gold investment products has evolved, now offering various strategies beyond just tracking gold prices, such as different price range settings for returns [7]. - Many products now include underlying assets like gold ETFs and gold stock ETFs, which help diversify risk [9]. - The demand for gold investment products is high, with bank clients frequently inquiring about them, as they offer a way to potentially earn higher returns with lower risk compared to direct gold trading [11]. Group 3 - Long-term support for gold prices is expected due to factors such as potential interest rate cuts by the Federal Reserve and ongoing geopolitical tensions [16]. - Analysts predict that gold prices may experience high volatility in the fourth quarter, with the possibility of price drops if interest rate expectations are not met [18]. - Investors are advised to consider a small allocation to gold investment products as a hedge against risk, rather than fully committing to high-risk strategies [20]. Group 4 - The current global economic conditions heavily influence gold prices, and any shifts in the Federal Reserve's stance could lead to reduced returns [22]. - There is a notable scarcity of popular gold investment products, with some banks already running out of quotas for new investments [23].

Core Insights - The total number of personal pension financial products in China has expanded to 37, with the introduction of two new products from China Post Life, enhancing the options available for investors as the personal pension system is set to be fully implemented nationwide by December 2024 [2][3]. Product Performance - All 37 personal pension financial products have achieved positive returns since their inception, with an average annualized return of 3.5%. China Post Life's products lead with an average annualized return of 4.22%, while the lowest is from CCB Trust at 3.03% [2][8]. - The performance of these products varies significantly within the year, with China Post Life's product achieving a year-to-date return of 4.75%, while two products from CCB Trust have returns below 1% [2][10]. Product Types and Strategies - The newly launched products from China Post Life follow a "fixed income plus" strategy, allocating at least 80% of funds to fixed-income assets and up to 20% to equity and derivatives to enhance returns [3]. - Among the 37 products, "fixed income plus" products dominate, comprising 27, which is over 70% of the total. There are also 5 pure fixed-income products and a mix of other types [3][5]. Risk and Management Fees - All products have a risk rating of medium or lower, with 67.6% classified as low to medium risk (R2) and 32.4% as medium risk (R3) [5]. - China Post Life has the highest average management fee rate at 0.18%, while ICBC and CCB Trust have the lowest at 0.05%. The management fees for the products range from 0.05% to 0.3% [6][7]. Volatility and Historical Performance - The average annualized volatility of the 37 products is 0.79%, with only 6 products experiencing a maximum drawdown exceeding 1% [9][10]. - The highest annualized return since inception is 5.18% for China Post Life's flexible allocation product, while the only product with an annualized return below 2% is from ICBC at 1.92% [8][9].