鑫尊利私银尊享888天持盈

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榜首固收+产品近1年收益超9%,破净或未达基准不收管理费
2 1 Shi Ji Jing Ji Bao Dao· 2025-09-01 09:00
Overall Performance - The average net value growth rate of RMB "fixed income + equity" public wealth management products with a term of 2-3 years over the past year is 3.38%, with a maximum drawdown average of 0.57%. Notably, 52.7% of the products recorded positive returns every month over the past year [4]. Top Performing Products - In the top ten performing products, Beiyin Wealth Management, ICBC Wealth Management, Everbright Wealth Management, and Qingyin Wealth Management each have two products listed, while Hangzhou Bank Wealth Management and Bank of China Wealth Management each have one product. All listed products have a net value growth rate exceeding 6% over the past year [5]. Highlighted Product Analysis - Beiyin Wealth Management's "Jinghua Yuanjian Xinyi Yingjin 61" is a PR2 (medium-low risk) three-year fixed income product. The product's performance benchmark (annualized) was adjusted from 4.5%-5.5% to 2.2%-3.3% for the second investment cycle starting March 26, 2025. The annualized yield during the first investment cycle was approximately 3.23%, which did not meet the lower limit of the previous performance benchmark. Importantly, the product has adjusted its management fee calculation method; from March 26, 2025, if the daily calculated annualized yield is below the lower limit of the performance benchmark or the net value is below 1, the product manager will not charge the fixed management fee for that day [6].