Core Insights - The article emphasizes the importance of distinguishing between various bank wealth management products, which often have similar names and vague characteristics, to help investors make informed choices [1] - The South Finance Wealth Management team focuses on ranking the performance of publicly offered products with minimum holding periods, specifically categorizing them by 90 days, 180 days, and 365 days [1] Group 1: Product Performance Rankings - The article provides a ranking of wealth management products based on their annualized returns for different holding periods, with a focus on those with a minimum holding period of 90 days [1] - For 90-day holding period products, the top performers include: - Hangzhou Bank's "Sunrise 40 Years Tanaka" with a return of 14.71% [4] - Hangzhou Bank's "Happiness 99 Excellence" with a return of 12.75% [4] - Minsheng Bank's "Yuanmen Pure Bond" with a return of 10.31% [4] - The rankings are based on annualized yield calculations corresponding to the holding period, ensuring a fair comparison among similar products [1][4] Group 2: Distribution Institutions - The article lists 28 distribution institutions involved in selling these wealth management products, including major banks such as Industrial and Commercial Bank of China, Bank of China, and Agricultural Bank of China [2] - It highlights that the availability of products may vary due to factors like sold-out quotas or differences in product listings shown to different customers [2] Group 3: Additional Product Insights - The article mentions that the performance rankings are intended to reduce the selection cost for investors by providing a clear overview of the best-performing products in the market [1] - It also notes that the rankings are for reference only and that investors should verify the actual availability of products through the respective bank's app [2]

Core Insights - The article focuses on the performance of bank wealth management products with varying minimum holding periods, specifically highlighting the annualized returns of products with holding periods of 90 days, 180 days, and 365 days [1][5][8] Group 1: 90-Day Holding Period Products - The top-performing product is from Minsheng Bank, with an annualized return of 15.74% [4] - Other notable products include Minsheng Bank's Rongzhu Mixed Fund at 15.05% and Bank of China’s mixed product at 10.73% [4] Group 2: 180-Day Holding Period Products - Minsheng Bank's Kyoto is a unique product with a return of 9.19%, leading the 180-day category [6] - Other significant products include Minsheng Bank's Rongmen Mixed Anti-Inflation Fund at 9.04% and Bank of China's mixed product at 7.43% [6][7] Group 3: 365-Day Holding Period Products - The top product in this category is Minsheng Bank's Jinzhuhua FOF with an impressive return of 45.26% [9] - Other notable products include Bank of China's mixed product at 9.50% and another mixed product at 9.41% [9]