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幸福99增益固收(智享纯债)540天持有期
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近1年实现季季正收益的纯固收产品不足6成,绩优产品仍偏好非标
Overall Performance - As of August 21, 2025, there are a total of 1,370 public pure fixed-income products with a duration of 1-2 years, with an average net value growth rate of 2.84% over the past year and an average maximum drawdown of 0.27% [2] - Among these, 810 products achieved positive returns in each quarter over the past year, accounting for 59.1% of the total [3] Highlight Product Analysis - The top five products in terms of returns have an average net value growth rate exceeding 4% over the past year, with Hangyin Wealth's "Happiness 99 Incremental Fixed Income (Smart Pure Bond) 540-day Holding Period" ranking first at a growth rate of 4.63% [4] - The second-ranked product, Huaxia Wealth's "Fixed Income Debt Rights Closed-end 151 No. A," has achieved a net value growth rate of 8.35% since its inception on August 11, 2023, with a significant investment in non-standard assets, which accounted for 33.31% of its portfolio by the end of Q2 this year [4] - The third product, Nanyin Wealth's "Zhulian Bihuo Xinyi Stable Two-Year 36 Period C," has an annualized return of 3.81% year-to-date, with a notable allocation to non-standard assets, comprising 45.59% of its net asset value as of the end of Q1 2025 [4]
纯固收理财近1年平均回报超3%,杭银理财一产品回撤大幅超同业
Core Insights - The report focuses on the performance of three categories of financial products: pure fixed income, cash management, and "fixed income + options" products [1][2] Group 1: Pure Fixed Income Products - As of July 17, 2025, the average net value growth rate for public pure fixed income products with an investment period of 1-2 years is 3.09%, with an average maximum drawdown of 0.23% [5] - 65.1% of the pure fixed income products achieved positive quarterly returns over the past year, with six products having a net value growth rate exceeding 4% [5] - The top three products in this category are: - Hangyin Wealth "Happiness 99增益固收(智享纯债)540天持有期" at 4.63% - Huaxia Wealth "Fixed Income Debt Type Closed 152号A" at 4.49% - Nanyin Wealth "珠联璧合鑫逸稳两年36期封闭式C" at 4.47% [5] Group 2: Cash Management Products - The average annualized yield for public cash management products over the past three months is 1.469%, with only 2.2% of products exceeding a yield of 2% [12] - The only cash management product with an average yield over 3% is Su Yin Wealth "启源货币2号(ESG主题)F" at 3.019% [12] Group 3: "Fixed Income + Options" Products - The average net value growth rate for "fixed income + options" products over the past three months is 0.95% [17] - The top two products in this category are: - Zhaoyin Wealth "招睿全球资产动量两年定开10号A款" at 2.75% - Ping An Wealth "鑫享指数增强1号一年定开" at 2.66% [17] - Zhaoyin Wealth's product employs a global asset allocation strategy, focusing on stable fixed income investments and has recorded a net asset value of 58.8838 million yuan as of mid-2025 [18]