从上榜产品来看，截至12月11日，在理财公司长盈产品榜单（3月以内纯固收）中，有4家理财公司产品上榜，民生理财、信银 理财和中邮理财均有3只产品上榜，南银理财上榜1只产品。加权年化收益率排名前五的均为最短持有期产品。 榜首产品民生理财"富竹纯债14天持有期17号A"成立于2024年11月12日，业绩比较基准为1.50%-2.20%，成立以来年化收益率超 6%。产品计划投资于固定收益类资产的比例不低于80%；投资于固收类衍生品资产的比例不超过5%。 为更好地识别真正具备长期收益性的产品，剔除仅靠短期收益"打榜"、实则昙花一现的产品，南财理财通课题组特发布长盈榜 单。本期榜单的所有纯固收产品成立时间均在1年以上，投资周期为3月以内（含），通过评估加权年化收益率（根据产品长短 期表现加权计算得出的参考指标，更准确反映持有收益）为投资者优选出综合收益较高的理财产品。 | ਹਾ ਕੁ | 产品名称 | 管理人 | 加权年 化收益 | 成立以 来年化 | 成立以来 最大回撤 | 成立以来 年化波动 | | --- | --- | --- | --- | --- | --- | --- | | | | | M | 收益率 ...

Overall Performance - As of October 30, 2025, there are 3,905 public pure fixed-income products with a duration of 3 months or less from various wealth management companies, with 2,970 having complete net value disclosures. The average net value growth rate over the past six months is 0.87%, and the average maximum drawdown is 0.05%. A total of 2,211 products, accounting for 74.4%, achieved positive monthly returns, while 16 products reported negative returns [5][6]. - The current ranking includes five wealth management companies, with Xinyin Wealth Management and Minsheng Wealth Management each having three products listed, while Jianxin Wealth Management, Nanyin Wealth Management, Xingyin Wealth Management, and Zhongyou Wealth Management each have one product listed. Notably, several products in this ranking have demonstrated excellent drawdown control and stable return growth, with five products showing a maximum drawdown of 0% [5][6]. Highlighted Product Analysis - The Minsheng Wealth Management's "Fuzhu Pure Bond 60-Day Holding Period Product S" and "Fuzhu Pure Bond 91-Day Holding Period Product A" secured the top two spots in the ranking, with net value growth rates of 2.46% and 2.12%, respectively, both achieving a maximum drawdown of 0% during the six-month period [6]. - The asset allocation for these two products primarily consists of bonds and asset-backed securities, supplemented by bank deposits and other assets. Notably, the "Fuzhu Pure Bond 91-Day Holding Period Product A" also includes a small allocation to bond and money market funds, as well as interbank lending and repurchase agreements, with respective proportions of 1.66% and 0.59% [6]. - The Nanyin Wealth Management's "Dingrui Yuewen Tian Tian Ying Open-Ended Public RMB Wealth Management Product B" ranks fourth, with a net value growth rate of 2.05% and a maximum drawdown of 0%. According to the third-quarter report, the asset allocation for this product is mainly in bank deposits, trust plans, and asset management products, with trust plan investments exceeding 26% of the top ten holdings [6].