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稳享灵动慧利日开10号(365天持有期)B
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银行渠道本周在售“固收+”理财产品榜单(9/22-9/28)
Core Viewpoint - The article emphasizes the importance of selecting bank wealth management products amidst a plethora of similar offerings, highlighting a weekly performance ranking of these products to aid 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 +", and mixed products, and performance stability, requiring a minimum of three months of performance data [1]. - The sample selection includes publicly offered RMB wealth management products to provide effective reference for investors [1]. Group 2: Performance Metrics - The performance ranking showcases annualized returns over the past month, three months, and six months, sorted by the three-month annualized yield to reflect multi-dimensional performance during recent market fluctuations [1]. - The article specifically highlights "fixed income +" products issued by wealth management companies, identifying superior performing products available through distribution channels [1]. Group 3: Distribution Institutions - A total of 28 distribution institutions are involved, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [2]. - The ranking is based on the "on-sale" status of the products, which may vary due to factors like sold-out quotas or differences in product listings for different customers [2]. Group 4: Performance Rankings - The article provides a detailed performance ranking of various wealth management products, including specific products from banks like China Bank and Minsheng Bank, with annualized returns ranging from 4.61% to 19.9% [5][7][10]. - Notable products include "香利兴成锦磊" from 兴业银行 with a three-month yield of 15.9% and "稳享灵动慧利日开1 0号" from 中国建设银行 with a yield of 8.22% [7][10].