2025年，贵金属市场走出了一波令人瞩目的历史级牛市行情。伦敦现货黄金价格一路高歌猛进，全年先后50次刷新历史新高， 最高冲上4550美元/盎司，年内累计涨幅近70%，成为年度表现最亮眼的资产之一。 目前银行理财配置黄金的方式主要有两种： 二、"黄金+"理财产品发展情况如何？ 2025年，"黄金+"银行理财产品的发行热度非常高。从新发产品情况来看，据南财理财通课题组不完全统计，2025年包括光大理 财、平安理财、兴银理财、招银理财、浙银理财、中邮理财在内的多家理财公司合计新发61只"黄金+"理财（产品各份额分开统 计），其中"固收+期权"产品有47只、混合类产品有14只。新发产品中有10只已到期，11只触发提前到期条款，其余40只处于存 续状态。 从存续产品来看，南财理财通数据显示，截至2025年12月31日，存续的黄金主题理财产品共50只，其中"固收+期权"产品26只、 混合类产品24只，分布相对均衡。52%的存续产品风险等级为二级（中低风险），46%为三级（中风险），仅招银理财"招智泓 瑞多资产FOF进取日开一号"1只产品为四级（中高风险）。 在这波黄金热潮中，全球央行无疑是"淘金"队伍的主导力量。国家外 ...

Core Viewpoint - The article emphasizes the importance of selecting financial products from a diverse range of offerings, particularly focusing on mixed-asset products, to help investors make informed decisions based on performance metrics [1]. Group 1: Product Selection and Performance - The research team from Nanfang Financial aims to reduce the selection cost for investors by highlighting well-performing financial products available through various distribution channels [1]. - The performance ranking of financial products is based on their annualized returns over the past month, three months, and six months, with a focus on the three-month annualized yield to reflect their performance amid recent market fluctuations [1]. Group 2: Distribution Institutions - A total of 28 distribution institutions are involved in the ranking, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2]. - The ranking considers the "on-sale" status of financial products based on their investment cycles, but actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [2]. Group 3: Performance Data - The ranking includes specific products such as: - Bank of China's "Huihe Xinjing Film" with a three-month annualized return of 40.6% [5] - Ping An Bank's "Youxiang Enhanced No. 1" with a three-month annualized return of 35.6% [5] - Other notable products from banks like Everbright Bank and China Merchants Bank, showcasing varying performance metrics [5].