从具体产品收益分布来看，人民币公募现金类产品（此处各份额分开统计，榜单为合并份额）合计4703 只，其中近6个月七日年化收益率均值超过2%的有61只，占比仅为1.3%；收益处于1.5%至2%区间的产 品数量为1697只，占比36.1%；此外，除4只产品收益低于1%外，大部分产品收益处于1%至1.5%区间。 8月18日至8月24日，人民币、美元、澳元现金类公募理财产品周内七日年化收益率均值分别为 1.334%、3.900%和2.84%，美元产品收益有较大优势。 二、亮点产品分析 苏银理财"启源现金5号J""启源货币2号(ESG主题)F"、中邮理财"邮银财富·零钱宝19号"近6月平均七日年 化收益率位列前三，苏银理财两只产品收益较为领先，平均七日年化收益率分别为2.895%、2.745%。 （原标题：2只现金理财近半年七日年化超2.7%！不同份额收益相差一倍多） 数据说明： 产品统计范围为理财公司发行的公募现金类产品，统计截止日期为2025年8月21日，统计区间为近6个 月。 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。 一、整体表现 南财理财通数据显示，截至8月21日， ...

Overall Performance - As of August 7, the average annualized yield over seven days for public cash management products issued by wealth management companies in RMB is 1.484% [7] - There are a total of 4,404 public cash management products, with only 59 products (1.3%) having an average annualized yield over seven days exceeding 2% in the past six months [7] - 1,810 products (41.1%) fall within the yield range of 1.5% to 2%, indicating that less than half of the cash management products have yields above 1.5% [7] - Notably, three products have an average annualized yield over seven days below 1% [7] Highlighted Product Analysis - The top two products, "Qiyuan Cash 5" by Su Yin Wealth Management and "Postal Wealth · Change Treasure 19" by China Post Wealth Management, have average annualized yields over seven days exceeding 2.6% in the past six months [8] - "Qiyuan Cash 5" was established on November 25, 2024, and is distributed through channels including Bank of Communications, Ping An Bank, Su Yin Direct Sales, and Industrial Bank Retail [8] - The asset allocation strategy for "Qiyuan Cash 5" focuses on low-risk assets such as bank deposits, repos, interbank certificates of deposit, and securities company bonds, effectively maintaining static returns despite a rapid decline in market interest rates [8]

本期，《机警理财日报》重点关注纯固收类、现金管理类、"固收+期权"这三大类理财产品业绩表现。 数据说明： 纯固收类理财产品统计范围为理财公司发行的投资周期在2—3年（含）的公募纯固收产品，且近1年每个完整的自然季季末均为 正收益；现金管理类理财产品统计范围为理财公司发行的公募现金类产品；"固收+期权"类理财产品统计范围为理财公司发行的 公募"固收+期权"产品。 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。 三大类产品统计截止日期为2025年7月24日，纯固收产品统计区间为近1年，现金管理类、"固收+期权"类理财产品统计区间均为 近6个月，上榜产品每周均有净值披露。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。 | 를 | 产品名称 | 管理人 | 净值增长 | 最大回撤 | 年化波动 | | --- | --- | --- | --- | --- | --- | | | | | ਡੂੜ | | ছুর | | | | 杭银理财 | 4.96% | 0.00% | 0.07% | | | 幸福99主裕固收2300 | | | | ...

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]