Overall Performance - As of September 25, there are 255 public "fixed income + options" wealth management products in existence, with an average net value growth rate of 1.57% and an average maximum drawdown of 0.29% over the past three months [5] - Only one product, "Trend Guide Closed 005 Period" from Huihua Wealth Management, reported negative returns in the last three months, with a net value growth rate of -0.33% [5] - The top ten products by yield include four from Zhao Yin Wealth Management, two from Xing Yin Wealth Management, two from Jiao Yin Wealth Management, one from Gong Yin Wealth Management, and one from Ping An Wealth Management [5] Highlighted Products Analysis - The top product, "Heng Rui Shanghai and Shenzhen 300 Index Linked 6-Month Regular Open" from Gong Yin Wealth Management, has a performance benchmark of "3% (annualized) + 20% of the Shanghai and Shenzhen 300 index fluctuation during the period" [6] - This product maintains a neutral duration in fixed income assets and engages in bond trading while investing in high-grade credit bonds, focusing on medium to long-term value assets [6] - Ping An Wealth Management's "Xin Xiang Index Enhanced 1-Year Regular Open" is based on the CSI 500 index, with a performance benchmark of "20% of the CSI 500 index fluctuation + 2.50% (annualized)" [6] - The product primarily invests in high-grade bonds and structured tools related to the index, contributing positively to net value growth during the period [6]