【#年终奖理财怎么投？银行力推"一站式"稳健配置#】 随着年终奖陆续到账，如何合理规划这笔资金成为投资者关注的焦点。面对当前的市场环境，如何在保 障资金安全的前提下实现收益升级？记者注意到，邮储银行、广发银行、光大理财等多家机构已抢先布 局，密集推出针对性的"一站式"年终奖理财计划。据悉，稳健低波已成为今年年终奖理财的核心主线， 各类机构正致力于为不同风险偏好的投资者提供多元化的资产配置方案。 今年，多家机构不约而同地主打"一站式配置"概念，为投资者提供省心省力的投资路径。广发银行给出 了"保守—稳健—进取"的阶梯式资产配置建议，精准匹配不同投资者的风险承受能力与收益诉求。其 中，保守求稳配置以纯债基金为核心，旨在筑牢资产稳健增值的"安全垫"；稳健增强配置建议首选"固 收+"产品，力求在稳健的基础上增厚收益弹性，助力闲钱实现进阶增值；进取增值配置则建议布局宽 基指数基金，依托长期持有，博取更高回报。 光大理财则提出了按资金用途拆分规划的思路。该机构建议投资者将年终奖划分为短期生活开销、中期 支出、长期复利增值三大板块，并分别对应配置现金类理财产品、中短期最低持有期理财产品、长期限 理财产品，这三类产品均属固收 ...

记者梳理各家机构方案发现，稳健低波是今年年终奖理财的核心导向。从产品风险等级来看，主流产品 均聚焦于PR1至PR2等级，PR3等级及以上的产品仅少量出现在基金推荐名单中。 针对年终奖理财的配置策略，业内分析人士指出，投资者应先深入剖析个人及家庭的财务状况、风险承 受能力和资金需求，结合收入稳定性、长短期财务目标及市场变动趋势，定制专属的年终奖理财计划。 分析人士建议："在具体配置方向上，应坚持'专款专用'与'多元配置'相结合的原则。针对短期消费需 求，适宜配置现金类或日开型理财产品，以保障资金流动性与安全性；若是储备子女教育金等长期规 划，则可搭配相应保险产品，筑牢家庭保障基础；若追求资金的较大增值空间，可适当考虑配置权益型 基金或贵金属产品。同时，投资者需注意通过分散投资实现资产多元化配置，以平衡风险与收益，在确 保资金安全的前提下实现财富的稳健增值。"（文馨） 【环球网财经综合报道】随着年终奖陆续到账，如何合理规划这笔资金成为投资者关注的焦点。面对当 前的市场环境，如何在保障资金安全的前提下实现收益升级？记者注意到，邮储银行、广发银行、光大 理财等多家机构已抢先布局，密集推出针对性的"一站式"年终奖理财计 ...

新年来临，年终奖陆续到账，正是优化个人资产配置的好时机。面对五花八门的理财选择，如何在保障 资金安全的前提下实现收益升级？ 中国证券报记者注意到，邮储银行（601658）、广发银行、光大理财等多家机构已抢先布局，推出针对 性的"一站式"年终奖理财计划，稳健低波成为核心主线，同时为不同风险偏好的投资者提供多元化配置 方案。 力推"一站式"方案 "年终奖投资指南：攒下一笔，求赚一笔。"今年，多家机构主打"一站式配置"概念。 广发银行给出"保守—稳健—进取"阶梯式资产配置建议，精准匹配不同投资者的风险承受能力与收益诉 求：保守求稳配置以纯债基金为核心，筑牢资产稳健增值的"安全垫"；稳健增强配置建议首选"固收 +"产品，在稳健基础上增厚收益弹性，助力闲钱实现进阶增值；进取增值配置则建议布局宽基指数基 金，紧跟市场整体走势，依托长期持有，博取更高回报。 与风险梯度配置思路互补，光大理财提出按资金用途拆分规划的方案。光大理财建议，投资者可将年终 奖划分为三大板块：短期生活开销、中期支出、长期复利增值，分别对应配置现金类理财产品、中短期 最低持有期理财产品、长期限理财产品，三类产品均属固收类。 邮储银行、交通银行等多家机构 ...

（原标题：独家！14家理财公司8月规模增超2800亿元！现金理财规模占比创年内新低） 人民财讯9月11日电，继7月承接部分"搬家"的存款实现规模增长后，8月份规模排名前列的银行理财公 司继续实现规模净流入。 据记者独家从业内可信渠道汇总的数据，规模排名前14位的理财公司，有12家在8月实现了存续余额净 增长，管理规模合计增长约2857亿元至25.02万亿元。增量变化来看，上述公司8月管理规模的增量（约 2857亿），环比7月增量（约1.8万亿）缩窄程度明显。 值得一提的是，14家理财公司现金类理财产品的余额共计约5.95万亿元，较年初减少超2965亿元，在其 合计管理规模（25.02万亿）的占比约23.78%。这一规模占比较一月末的27%减少超3个百分点，创出年 内新低。 ...

Core Insights - In August, the top 14 wealth management companies in China achieved a net inflow of approximately 285.7 billion yuan, bringing the total management scale to 25.02 trillion yuan [1][2] Group 1: Management Scale Growth - 12 out of the 14 wealth management companies reported a net increase in their management scale in August, following a significant growth in July [1] - The growth in management scale in August (approximately 285.7 billion yuan) is notably lower than the growth in July (approximately 1.8 trillion yuan) [2] Group 2: Market Trends and Product Shifts - The overall scale of the banking wealth management industry is estimated to have surpassed 33 trillion yuan, driven by a shift towards new product avenues due to weak bond market performance [2] - Retail "fixed income +" and corporate wealth management demand are identified as key drivers for recent scale expansion, with banks increasing the development of R3 risk-level products [2] Group 3: Cash Product Trends - The balance of cash management products among the 14 companies is approximately 5.95 trillion yuan, which has decreased by over 296.5 billion yuan since the beginning of the year [3] - The proportion of cash management products in the total management scale has dropped to about 23.78%, down from 27% at the end of January, marking a new low for the year [3]

Monetary Policy Operations - The People's Bank of China conducted a 847 billion yuan reverse repurchase operation with a rate of 1.40%, maintaining the previous level; with 340 billion yuan of reverse repos maturing, the net injection was 507 billion yuan [1] - This week, the central bank performed a total of 4,257 billion yuan in reverse repos, with 6,522 billion yuan maturing, resulting in a net withdrawal of 2,265 billion yuan [1] Interbank Rates - The Shanghai Interbank Offered Rate (Shibor) showed low volatility; overnight Shibor rose by 1.70 basis points to 1.3330%, while the 7-day Shibor increased by 0.10 basis points to 1.4750%, and the 14-day Shibor went up by 1.60 basis points to 1.5140% [1][2] - The short-term funding rates in the interbank pledged repo market exhibited mixed movements; DR001 and R001 weighted average rates increased by 2.0 basis points and 1.7 basis points, respectively, while DR007 and R007 rates decreased by 2.3 basis points and 1.2 basis points [5] Market Conditions - The overall funding situation on July 11 was balanced, with non-bank entities being relatively loose while banks were tighter; overnight pledged rate certificates traded around 1.48%-1.50% [10] - A total of 120 interbank certificates were issued on July 11, with an actual issuance volume of 1,635.9 billion yuan; the primary market saw active trading with issuers raising prices [11] Financial Products and Regulations - The National Financial Regulatory Administration released the "Management Measures for the Appropriateness of Financial Institution Products," emphasizing the need for financial institutions to collect customer information responsibly and protect customer data [13] - As of the end of May, the balance of Shanghai's foreign and domestic currency loans was 12.73 trillion yuan, reflecting a year-on-year growth of 8.6%, while deposits reached 22.33 trillion yuan, up 5.7% year-on-year [14]

Group 1 - The total wealth management scale of the top 14 banks reached 22.96 trillion yuan by the end of June, a decrease of approximately 950 billion yuan compared to the end of May [1] - The growth of these institutions in the first half of the year narrowed to 530 billion yuan due to scale fluctuations in June [1] - The decline in scale in June was primarily due to a rapid loss of cash products, which decreased by over 550 billion yuan compared to the end of May and approximately 800 billion yuan since the beginning of the year [1] Group 2 - Looking ahead, the wealth management market is expected to see a rapid rebound in July, with an estimated recovery of over one trillion yuan [1]

受债市阶段性调整、季末理财回表等多因素叠加影响，银行理财一季度末规模较年初明显回落。 日前，银行业理财登记托管中心发布的《中国银行业理财市场季度报告（2025年一季度）》（以下简称 《理财市场一季报》）显示，截至2025年一季度末，全市场银行理财存续规模为29.14万亿元，较年初 下降约8100亿元，其中理财公司规模较年初减少约5700亿元。此外，证券时报记者此前获得的数据显 示，规模排名前14的理财公司及其母行存续产品规模，仅今年3月单月的存续余额就减少逾1万亿元。 值得注意的是，进入4月，银行理财规模强势回升。同时，存款搬家现象有望进一步为银行理财带来增 量资金。 规模回落约8100亿元 《理财市场一季报》显示，截至今年一季度末，全市场共有存续产品4.06万只，同比增加0.67%；存续 规模为29.14万亿元，同比增加9.41%。其中，理财公司旗下理财产品存续规模占全市场的比重达 88.33%。 从环比数据来看，今年3月末全市场存续产品规模较年初有较大回落，下降约8100亿元。其中，理财公 司规模环比下降约5700亿元，合计存续余额为25.74万亿元。 事实上，今年一季度规模的回落主要来自3月份：受降准降 ...