银行理财子公司成立六年时间，已然成为了老百姓金融资产的压舱石，这背后主要是老百姓对于银行理财的信任。对于老百姓而言，好的理财 需要兼顾安全稳定和高于普通存款的收益的特点，在当前我国逐渐进入低利率的大环境下，单纯依靠债券票息并不容易达到投资者对理财产品 的收益预期，这对理财公司的投研能力提出了更高的要求。 随着市场步入低利率时代，理财产品中的票息"保护垫"在变薄，投资者对波动的感受也更加明显，但银行理财稳健的基因并没有改变，在这种 趋势下要保持理财的基因，势必要求理财公司提出新的解决方案。为此，平安理财构建了"工业化+平台化"的投资管理模式。 "工业化+平台化"投资管理模式能够高效地整合公司内外部的优质资源和投资策略，形成全量、全域、同宽、共享、协作的平台化能力和组织 优势，在严控回撤前提下实现更高的长期业绩达标率；更为理财公司拓展多资产、多策略奠定了更扎实的平台基础，伴随着时间沉淀，形成适 应多种市场环境与波动的可持续投资优势。 "强交易+量化"双轮驱动打造固收旗舰 据悉，平安理财对固收系列产品的收益增强要求与公募基金同类型产品保持一致，但净值回撤需控制在后者的一半。在低波导向下，平安理财 投资条线需自上而下 ...

Core Insights - The evaluation of asset management institutions focuses on product competitiveness, operational competitiveness, and compliance, with product performance being the most critical factor [1] - The analysis highlights the strong performance of Ping An's fixed income products, particularly the "Qiyuan Series," which has achieved a 100% performance compliance rate and an average annualized return of 3.98% [2][4] Group 1: Product Competitiveness - The "Qiyuan Series" has demonstrated stable performance, with the "Qiyuan Strategy One-Year Open 5A" product achieving a 2024 annualized return of 5.39% and a volatility of 1.07% [2] - The investment strategy incorporates a strong trading capability through a self-developed quantitative model, allowing for effective capital gain opportunities in bond markets [4][11] - The "Qiyuan Summer Tree" series enhances returns by integrating convertible bonds and ETF strategies, aiming for greater yield elasticity [11] Group 2: Investment Management Model - Ping An has adopted an "industrialization + platformization" investment management model to adapt to the low-interest-rate environment, allowing for efficient integration of resources and strategies [5] - This model enables a modular production approach, where different strategies are developed and combined flexibly to meet investment goals [5] - The focus remains on enhancing returns while controlling drawdowns, maintaining a strategic commitment to providing stable investment experiences [6] Group 3: Market Position and Future Outlook - The "Qiyuan Series" and "Qiyuan Enhanced Stable Income" series have shown strong performance, with the latter achieving a net value growth rate of 6.11% since inception [9] - Ping An plans to upgrade its product branding with the "An+ Xin Stable and Long-term" system, which includes various product lines targeting different asset classes [9] - The company aims to provide a balanced approach to fixed income and equity investments, ensuring stable returns for investors in fluctuating markets [12]

Core Insights - The article discusses the performance of public fixed-income enhancement products with a minimum holding period of six months, highlighting the top-performing products from various financial companies [5][6]. Group 1: Performance Overview - As of October 24, 2025, six financial companies have products listed in the top performance rankings, including Ping An Wealth Management, Xingyin Wealth Management, ICBC Wealth Management, Hangzhou Bank Wealth Management, Pudong Development Bank Wealth Management, and Xinyin Wealth Management [5]. - Ping An Wealth Management has the highest number of products in the top 10, with four products achieving over 5% returns in the past year, showcasing strong excess return capabilities and effective risk management [5][6]. Group 2: Product Analysis - The "Flexible Growth and Income Daily Open 180 Days Holding No. 7A" product from Ping An Wealth Management has a one-year net value growth rate of 6.18%, with a maximum drawdown of only 0.01%, indicating strong performance and low volatility [5][6]. - The "Sailing Enhanced Stable Income Daily Open 180 Days Holding No. 5A" product also shows impressive performance, with net value growth rates of 6.11%, 5.49%, and 4.53% since its inception, one year, and year-to-date, respectively, while maintaining minimal drawdown [11][13]. Group 3: Investment Strategies - Ping An's fixed-income enhancement products aim to provide higher returns than bond coupons while maintaining a stable investment experience, suitable for conservative investors [6][10]. - The "Flexible Growth and Income" product primarily invests at least 80% in fixed-income assets and 5% in cash or short-term government bonds, targeting absolute returns [6][9]. - The "Sailing Enhanced Stable Income" series diversifies its investment strategy by including a mix of stable assets and a small percentage of equity-like assets to enhance yield, making it suitable for investors seeking steady income with limited risk [10][13].