Overall Performance - The average net value growth rate of RMB "fixed income + equity" public financial products with a maturity of less than 3 months over the past six months is 1.23%, with an average maximum drawdown of 0.05% [5] - 85.58% of the products recorded positive returns in each natural month over the past six months [5] - The top three products in terms of net value growth over the past six months are: 1. Xingyin Wealth Management's "Fengli Xindong Multi-Strategy Technology Growth" with a growth rate of 7.08% 2. Ningyin Wealth Management's "Qinning Individual Stock Selection Fixed Income Daily Open 1" with a growth rate of 5.27% 3. Minsheng Wealth Management's "Guizhu Fixed Income Incremental Seasonal Earnings 90-Day Holding Period 21" with a growth rate of 4.65% [5] Highlighted Product Analysis - Xingyin Wealth Management's "Fengli Xindong Multi-Strategy Technology Growth" was established in February this year, rated R3 (medium risk), with a performance benchmark of "China Bond - New Comprehensive Full Price (1-3 years) Index Yield × 85% + ChiNext Index Yield × 10% + Current Deposit Rate × 5%" [6] - The product is based on bond assets, supplemented by public funds and cash assets, with an equity investment ratio of 1.85% as of the end of the first half of the year [6] - Ningyin Wealth Management's "Qinning Individual Stock Selection Fixed Income Daily Open 1" is rated PR3 (medium risk) and has a relatively high proportion of public fund holdings, resulting in greater net value volatility, with a maximum drawdown of 2.47% over the past six months [6] - As of the end of the first half of the year, the product's public fund holding ratio is approximately 70%, with an equity investment ratio of 16.4% [6] - The product invests in local government bonds, urban investment bonds, policy financial bond ETFs, as well as convertible bonds and exchangeable bond ETFs, with a total asset net value of less than 20 million yuan as of the end of the first half of the year [6]