Core Viewpoint - The article discusses the current trends in bank wealth management products, highlighting the popularity of short-term fixed-income products and the strategies used by banks to attract investors amid a low-interest-rate environment [1][7]. Group 1: Product Characteristics - Recent bank wealth management products are characterized by short-term high-yield fixed-income products, which have become the main focus of promotion [1]. - Cash management products have seen a decline in yield, with the average annualized yield for cash management products being only 1.562% as of June 19 [1]. - Short-term fixed-income products with minimum holding periods of 1, 7, 14, or 30 days are in high demand due to their liquidity and flexibility [1]. Group 2: High-Yield Products - Some products are marketed with annualized yields exceeding 10%, but actual returns may fall short of expectations due to initial net value spikes followed by slower growth [2][4]. - For example, the "Hangyin Wealth Management" product had a one-month annualized yield of 12.72% as of June 20, but its net value growth slowed significantly after an initial spike [2][4]. - Another product, "Yangguang Jin Zengli," reported a one-month annualized yield of 14.979% as of June 26, with a historical annualized yield of 8.021% [2]. Group 3: Investment Strategies - In a low-interest-rate environment, multi-asset and dividend strategy products are gaining traction as they offer better returns than pure fixed-income products [7][8]. - Dividend strategy products typically combine fixed-income assets with high-dividend stocks to enhance returns, while multi-asset strategies diversify across various asset classes to manage risk [7][8]. - Examples include the "Gongyin Wealth Management" and "Nongyin Wealth Management" products, which focus on dividend assets and multi-asset strategies, respectively [7][8]. Group 4: Market Dynamics - The market for wealth management products is influenced by promotional strategies that often limit initial purchase amounts and target private banking clients [6]. - Investors are advised to monitor new product releases and historical performance to make informed decisions about holding or redeeming investments [9]. - The overall trend indicates that as high-quality assets mature, the yields on fixed-income products are likely to decline in the long term [9].

银行理财在今年一季度稳健发展的基础上，继续保持向上增长势头。普益数据显示，截至5月26日，全 市场银行理财产品存续规模超30万亿元。 对此，普益标准研究员何瀚文表示，存款低利率时代背景下，权益类资产的配置价值相对凸显，但在资 产配置层面，投资者仍需注意以下几点以更好地实现其理财目的：一是结合自身风险承受能力确定权益 类资产配置比例，调整投资组合收益弹性；二是重视多元化资产配置策略，构建现金、债券等防御性资 产和权益类等成长性资产的多元化投资组合；三是树立长期投资观念，通过长期持有熨平短期波动，实 现资金长期稳健增值。 （文章来源：经济日报） 在存款利率下行背景下，多地中小银行聚力做好代销产品，布局财富业务，全方位提升投资者吸引力。 2025年一季度，理财公司持续拓展母行以外的代销渠道，其中1家理财公司的理财产品仅由母行代销， 30家理财公司的理财产品除母行代销外，还打通了其他银行的代销渠道。专家表示，银行应优化理财产 品代销体系，通过线下体验活动以稳健产品提升用户黏性，更好地满足投资者理财需求。 多家银行理财公司近年来推出多资产系列产品，充分结合权益类资产的成长性，通过科学的资产配置模 型，力求实现财富的可持 ...