Core Viewpoint - The article highlights the performance of various financial products, particularly focusing on the "(稳睿+)信颐2040" product from 信银理财, which has shown exceptional returns and stability in its investment strategy aimed at retirement planning for investors nearing retirement in 2040 [5][6][13]. Group 1: Product Performance - As of October 10, 2025, there are 2,213 public "fixed income + equity" products with a 1-2 year investment period, of which 846 have achieved positive returns each quarter over the past year, representing approximately 40% [5]. - The "(稳睿+)信颐2040" product achieved a remarkable annualized return of 10.52%, ranking first among the top ten products, and is the only product with returns exceeding 10% in the past year [5][7]. - The product has demonstrated strong performance over various time frames, with annualized returns of 4.63%, 5.58%, and 7.40% over the past five, three, and two years, respectively, consistently outperforming its benchmark [7]. Group 2: Investment Strategy - The product is designed for retirement planning, adjusting its investment strategy based on the investor's retirement timeline, income, and risk tolerance, becoming more conservative as the retirement date approaches [6][13]. - The investment strategy includes a mix of fixed income assets for stable returns and equity investments based on a lifecycle approach, with equity exposure capped at 20% [6][13]. - The product's asset allocation has shifted significantly, increasing its allocation to public funds to 42.32% while reducing bond investments from 63.36% to 33.31% [9]. Group 3: Risk Management and Philosophy - 信银理财 emphasizes a "five stability" philosophy, focusing on stable investment, consistent style, reliable returns, consumer protection, and a solid operational framework [13][14]. - The company has built a robust support system for its products, including collaborative risk management and technological empowerment, ensuring the product's performance and customer trust [13][14].