Overall Performance - The average net value growth rate of RMB "fixed income + equity" public wealth management products with a maturity of 6-12 months over the past year is 2.99%, with a maximum drawdown average of 0.41% [4] - 34.92% of the products recorded positive returns every month over the past year [4] Top Performing Products - The top product is Minsheng Wealth Management's "Fengguizhu Fixed Income Incremental One-Year Holding Period No. 2A" with a net value growth rate of 5.97% [5] - ICBC Wealth Management's "Hengrui Rising Monthly Heng 300-Day Holding" and Bank of Communications Wealth Management's "Stable Enjoy Flexible Benefit Day Open No. 5 (365-Day Holding Period) Private Banking Exclusive" rank second and third with growth rates of 5.66% and 5.60% respectively [5] - A total of six products achieved returns exceeding 5% over the past year [5] Highlighted Product Analysis - Minsheng Wealth Management's product saw rapid growth during the "9.24" market period, having reduced leverage and duration while increasing allocation to relatively high-quality convertible bond assets [6] - The product currently has a low proportion of equity assets, with stock asset allocation at 1.14% as of the end of Q2 this year, while the majority remains in fixed income assets [6] - ICBC Wealth Management's product has a relatively high internal risk rating of PR3 (medium risk) and benefits from a multi-asset holding strategy, with approximately 30% of public fund holdings and equity asset allocation at 6.38% as of Q3 2024 [6]