数据说明： 产品统计范围为理财公司"固收+期权"类理财公募产品，统计截止日期为2025年12月31日，统计区间为2025年度。 榜单排名来自理财通AI全自动化实时排名，如您对数据有疑问，请在文末联系助理进一步核实。 | । ਦੋਵ | 产品名称 | 净值增 管理人 长率 | 最大回撤 | 年化波动 网 | 卡玛 | | --- | --- | --- | --- | --- | --- | | | 招零全球公产 | 动量两年定开 | 2.29% | 2.75% | 3.52211 | | | 10号A款 | | | | | | | 招睿全球资产 动量十四月定 开2号A款 | 5.40% 招银理财 | 0.97% | 1.64% | 5.63645 | | | 塞享指数增强 1号一年定开 | 平安理财 5.16% | 3.04% | 2.99% | 1.70485 | | 4 | 丰利兴动多策 略全球-钱潮 | 兴银理财 4.62% | 2.10% | 2.85% | 2.20051 | | | 封闭式3号B | | | | | | 5 | 恒容戸深300 指数挂钩固定 收益类6个月 | 工银理财 4.41% ...

Overall Performance - As of July 24, the average net value growth rate for public pure fixed-income wealth management products with an investment cycle of 2-3 years was 3.37%, with an average maximum drawdown of 0.22%. This represents a decrease of 0.07 percentage points compared to June 12 [8] - 72.3% of the pure fixed-income products achieved positive quarterly returns over the past year, with 55 products (counting each share separately) having a net value growth rate of 4%, accounting for 5.9%. Among these, Hangyin Wealth Management dominated with 27 products [8] Highlighted Product Analysis - The "Multi-color Xiangxin Dividend Three-Year Closed 31" product from Xinyin Wealth Management primarily invests in domestic bonds, non-standard assets, and overseas Chinese dollar bonds, with a fixed-income asset investment ratio of no less than 95%. The A share achieved a yield of 4.44% for the entire year of 2024, with a net asset value of 50.7692 million yuan as of mid-2025 [9] Cash Management Products - The average annualized yield for public cash management products over the past six months was 1.510%. Only 40 public cash products had an annualized yield exceeding 2%, accounting for just 0.89% [15] - The top-performing cash management product, "Qiyuan Cash No. 5 J," achieved an average annualized yield of 2.893% [15] "Fixed Income + Options" Products - The average net value growth rate for public "fixed income + options" wealth management products over the past six months was 0.8%, equivalent to an annualized yield of only 1.6%. Notably, 34 products experienced negative net value growth, although the declines were minimal, with the highest being -0.42% [20] - The top three products in this category were "Xinxing Index Enhanced No. 1 One-Year Open" from Ping An Wealth Management (2.96%), "Zhaoyin Global Asset Momentum Two-Year Open No. 10 A" (2.85%), and "Zhaoyin Global Asset Momentum Fourteen-Month Open No. 8 A" (2.21%) [21]