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苏银理财恒源1年定开40期D
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城商行理财公司纯固收产品霸榜,前五名非标资产投资比例超过40%丨机警理财日报
Sou Hu Cai Jing· 2025-04-23 11:35
Core Insights - The report highlights the performance of various financial products, particularly focusing on cash management, pure fixed income, and "fixed income + options" products, revealing trends in yields and investment strategies [6][11][15] Cash Management Products - The average annualized yield for public RMB cash management products over the past six months is 1.64%, while USD cash management products yield an average of 4.19% [11] - The highest yielding cash management product is "Hua Xia Financial Cash Management Product No. 80," with a yield of 3.16% [11] - Other notable products include "Su Yin Financial Qi Yuan Currency No. 2 (ESG Theme) G" at 2.64% and "Pu Yin Financial Tian Tian Ying Zeng Li No. 48 Cash Management Product A" at 2.53% [11] Pure Fixed Income Products - The average yield for public pure fixed income RMB products over the past year is 2.72%, while foreign currency products yield 3.41% [6] - "Nan Yin Financial Zhu Lian Bi He Xin Yi Wen Yi 160 Period" leads with a yield of 3.62%, followed by "Nan Yin Financial Ding Rui Xing Wen Yi 2022 No. 1" at 3.59% and "Su Yin Financial Heng Yuan 1 Year Fixed Open D" at 3.55% [6][7] - A significant portion of these top-performing products invests heavily in non-standard assets, with "Nan Yin Financial Zhu Lian Bi He" having a non-standard asset investment ratio of 48.78% [6][7] Fixed Income + Options Products - The average yield for public "fixed income + options" products over the past six months is 0.62%, showing a decline since the beginning of the month [15] - The top product in this category is "Zhao Yin Financial Zhao Rui Global Asset Momentum Two-Year No. 3," with a net value growth rate of 2.35% [15] - Other products in this category have net value growth rates below 2%, indicating a general underperformance in this segment [15]