Overall Performance - As of December 18, 2025, there are 235 public "fixed income + options" wealth management products with an average net value growth rate of 1.02% and an average maximum drawdown of 0.34% over the past three months [1] - Among these, 28 products had a net value growth rate below 0.5%, with the "Jiaoyue Global Allocation Linked Type One-Year Regular Open 4" from Ningyin Wealth Management being the only product with negative returns, showing a decline of 0.03% [1] - The top ten performing products include five from Zhaoyin Wealth Management, two from Xingyin Wealth Management, two from Jiaoyin Wealth Management, and one from Ningyin Wealth Management, with Zhaoyin's "Zhaorui Global Asset Momentum Series" taking the top three spots, the leading product achieving over 2% growth in net value [1] Highlighted Product Analysis - The "Jiaoyue Global Allocation Linked Type One-Year Regular Open 5" product, despite one product in the same series showing negative returns, performed well with a net value growth rate of 1.18%, ranking tenth [1] - This product was established on October 14, 2021, has a risk level of PR3, and its performance benchmark ranges from 0.20% to 5.40%, investing in various global asset allocation strategy indices [2] - As of the end of Q3 2025, the net asset value of this product was 24.062 million yuan, with 80.04% in bonds, 15.78% in non-standard assets, and smaller proportions in cash and financial derivatives [2] - The "Jiaoyue Global Allocation Linked Type One-Year Regular Open 4" product, despite recent negative returns, has an annualized return of 3.3% since inception, with 3.75% for 2024 and 6.33% for 2023, indicating potential for long-term returns [2]

Overall Performance - As of December 4, 2025, there are 228 public "fixed income + options" wealth management products in existence, with an average net value growth rate of 1.41% and an average maximum drawdown of 0.34% over the past three months [5] - All products achieved positive returns in the last three months, with 26 products having a net value growth rate below 0.5%. The lowest performer is Ningyin Wealth Management's "Jiaoyue Global Allocation Linked Type One-Year Regular Open 3," with a net value increase of only 0.27% [5] - In the top ten products by return, Zhao Yin Wealth Management has six products listed, while Xing Yin Wealth Management and Jiao Yin Wealth Management each have two. The top product is Zhao Yin Wealth Management's "Zhao Rui Global Asset Momentum Two-Year Regular Open 10 C," which has a net value growth rate exceeding 3% [5] Highlighted Product Analysis - The product with the highest Karma ratio in the current ranking is Zhao Yin Wealth Management's "Zhao Rui Focused Linked Stable Major Asset Index Closed (Exclusive) 1" (referred to as "Focus Linked Stable Closed 1PB"). This product was established on January 10, 2025, with a risk rating of PR2 and is set to mature on January 8, 2026 [7] - As of mid-2025, the product has a net asset value of 122 million yuan and a leverage level of 102.1%. The investment strategy involves a "fixed income + derivatives" approach, with at least 80% of funds invested in fixed income assets and no more than 5% in linked options [7] - The performance benchmark for this product is contingent on the WARP2.WI index's performance, with various scenarios determining the annualized return range from 0.06% to 5.20% [8]