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]

Overall Performance - As of October 23, there are 235 public "fixed income + options" wealth management products with an average net value growth rate of 1.67% and an average maximum drawdown of 0.32% over the past three months [3] - All products achieved positive returns in the last three months, with 13 products having a net value growth rate below 0.5%, the lowest being "Yunong Commercial Bank Wealth Management 'Yizun Jinxijiangyu Chuan Cheng' Closed 2025 No. 51703" at 0.12% [3] - The top ten products include five from China Merchants Bank Wealth Management, two from Xinyin Wealth Management, two from Jiaoyin Wealth Management, and one from ICBC Wealth Management [3] Highlighted Product Analysis - The leading product, "China Merchants Bank Wealth Management 'Zhaorui Focus Linked Stable Large Asset Index Closed (Exclusive) No. 1'", was established on January 10, 2025, with a risk rating of PR2 and is set to mature on January 8, 2026 [4] - As of mid-2025, the product had a net asset value of 122 million yuan and a leverage level of 102.1% [4] - The investment strategy allocates no less than 80% of funds to fixed income assets and no more than 5% to call options linked to the WARP2.WI index, with a focus on high-grade bonds and quality deposit assets [4] Performance of Linked Index - As of October 30, the WARP2.WI index linked to the product had an annualized return of 2.56% over the past month, slightly lower than the 2.77% return of the CSI 300 index during the same period [5] - The annualized returns for the WARP2.WI index were 5.23% and 7.14% over the past three and six months, respectively, both significantly lower than the CSI 300 index [5] - Over a five-year period, the WARP2.WI index achieved an annualized return of 6.42%, while the CSI 300 index recorded a -0.11% decline [5]