Core Viewpoint - The article discusses the challenges investors face in selecting bank wealth management products due to the overwhelming variety of similar-sounding products, and it aims to provide a performance ranking of these products to assist investors in making informed choices [1]. Group 1: Product Selection Criteria - The ranking of wealth management products is based on two main criteria: product type, focusing on pure fixed income, "fixed income plus," and mixed products, and performance stability, requiring products to have been established for at least three months to ensure sufficient performance data [1]. - The sample selection includes RMB public wealth management products, and the ranking reflects annualized performance over the past month, three months, and six months, sorted by the three-month annualized yield [1]. Group 2: Performance Ranking - The article highlights a list of top-performing mixed products from various banks, including: - Bank of China: "Huiyang Flexible Allocation Open" with a three-month annualized yield of 34.3% [4]. - China Merchants Bank: "Zhaozhi Team Rui Duo Asset FO" with a three-month annualized yield of 28.2% [4]. - Everbright Bank: "Sunshine Orange Preferred All-Star" with a three-month annualized yield of 21.8% [4]. - The ranking includes a total of 10 products, showcasing their respective yields and performance metrics [4]. Group 3: Distribution Channels - The ranking is based on data from 28 distribution institutions, including major banks such as ICBC, Bank of China, and Agricultural Bank of China, among others [2]. - It is noted that the availability of products may vary due to factors like quota exhaustion or differences in product listings for different customers, thus investors are advised to refer to the actual displays on the banks' apps [2].

Overall Performance - The equity market has recently shown a volatile upward trend, leading to new highs in the net value of many mixed public wealth management products. According to data from Nanfang Financial Wealth Management, the average net value growth rate and maximum drawdown for mixed public wealth management products with a maturity of less than three months were 1.91% and 0.39%, respectively. All products in this category recorded positive returns over the past three months [5] - By institution, Huihua Wealth Management, Hangyin Wealth Management, Minsheng Wealth Management, Xinyin Wealth Management, and Xingyin Wealth Management performed well, with average net value growth rates exceeding 3% over the past three months [5] - In the individual product performance ranking, seven products achieved net value growth rates of 10% or more, with Xinyin Wealth Management's "Ruiying Jinqi 1st Phase" leading at 21.16%, followed by Huihua Wealth Management's "Huize Stable Progress Open" and "Huize Flexible Allocation Open" at 19.02% and 18.41%, respectively [5] Highlighted Product Analysis - Xinyin Wealth Management's "Ruiying Jinqi 1st Phase" is rated R4 (medium-high risk) and has a performance benchmark of "40%*CSI All A Shares (930903) return + 40%*CBA Comprehensive Wealth Index (CBA00201) return + 20%*1-year fixed deposit rate." Established in July 2019, the product's net value has shown a steady increase, breaking previous highs in August 2025 due to favorable equity market conditions [6] - The second-ranked product, Huihua Wealth Management's "Huize Stable Progress Open," is also rated R4 (medium-high risk) with a benchmark of "60%×CSI 800 Index return + 40%×CSI All Bond Index return." As of mid-year, approximately 70% of its portfolio is allocated to equity assets, primarily in the technology sector, with Fuda Co. and Changyuan Donggu being the top two equity holdings. However, this product has been in a state of net asset value below 1 since its inception [6]