Overall Performance - As of November 20, 2025, there are 1,500 public pure fixed-income products with investment periods of 1-2 years, with 928 products having complete net value disclosures. The average net value growth rate over the past year is 2.97%, and the average maximum drawdown is 0.18. Approximately 30% of the products achieved positive returns each quarter, totaling 282 products [6]. - The ranking includes 10 wealth management companies, with Huaiyin Wealth Management and China Post Wealth Management securing the top two positions, both with net value growth rates exceeding 4% over the past year [6]. Highlighted Product Analysis - The top product, "Tianying" fixed-income wealth management product 105 by Huaiyin Wealth Management, has a net value growth rate of 4.29% and a maximum drawdown of only 0.000653%. The asset allocation primarily consists of non-standard assets, bonds, and bond-type public funds, with a significant holding in the "CITIC Trust·Huixing No. 6 Trust Plan" at 41.68% [7]. - The third-ranked product, "Zhulian Bihuo Xinyi Stable Two-Year 48 Period" by Nanyin Wealth Management, shows a net value growth rate of 3.96% and a maximum drawdown of just 0.04%. The product manager indicated plans to flexibly use leverage to explore potential investment opportunities in the next phase [7].

Overall Performance - As of June 5, the average yield of public cash management products in RMB over the past six months is 1.58%, showing a slight decline compared to May 22 [10] - The average annualized yield of public cash management products in USD over the same period is 4.06% [10] - For pure fixed-income products with a 1-2 year investment cycle, the average yield is 3.08%, down by 0.07 percentage points from April 29 [5] Highlighted Product Analysis - The top-performing pure fixed-income product over the past year is "Nan Yin Wealth Zhulian Bihhe Xinyi Stable Two-Year 36th Closed Public RMB Financial Product C," with a net value growth rate of 4.79% [6] - The second highest is "Huaxia Wealth Fixed Income Debt Type Closed Financial Product 151th A," yielding 4.5% [6] - The third is "Happiness 99 Gain Fixed Income (Smart Enjoy Pure Debt) 540-Day Holding Period Financial Product," with a yield of 4.13% [6][7] Cash Management Products - The top three cash management products with the highest average annualized yield over the past six months are "Suyin Wealth Qiyuan Cash No. 5 J" at 2.91%, "Suyin Wealth Qiyuan Currency No. 2 (ESG Theme) G" at 2.63%, and "Bohai Wealth Silver Storage Series Add Gold Cash Management Financial Product No. 3 G" at 2.33% [11] "Fixed Income + Options" Products - The average net value growth rate for public "fixed income + options" products over the past six months is 0.6%, showing a slight decline compared to May 8 [14] - The top three products in this category are from Zhaoyin Wealth, with "Zhaoyin Global Asset Momentum Two-Year Fixed Income Plan A" leading the list [15]