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]