To eliminate products that only rely on short-term gains for chart rankings but are short-lived, a special indicator, the “weighted annualized return rate,” has been established to identify products with true long-term profitability. The weighted annualized return rate is calculated as “5% × recent 1-month annualized return + 10% × recent 3-month annualized return + 15% × recent 6-month annualized return + 30% × recent 1-year annualized return + 40% × annualized return since inception.”


Data Notes:

The products counted are public pure fixed-income products issued by wealth management companies, established for at least one year, with an investment cycle of 1 to 2 years (inclusive). Data calculation cutoff time is May 21, 2026.

I. Overall Product Performance

Data shows that as of May 14, 2026, wealth management companies had a total of 1,533 outstanding public pure fixed-income products (including different share classes) with an investment cycle of 1 to 2 years (inclusive) and established for at least one year. Among the 936 products with complete annualized return disclosures, 13 products had weighted annualized returns exceeding 4%, and products with returns in the 2.5%–3% range accounted for 42.8% of the total. Overall, 90% of the products had weighted annualized returns exceeding 2%.

Among the sample products in this period, high-performing products came from various wealth management companies including Everbright Wealth Management, BNP Paribas Agricultural Bank Wealth Management, Industrial Bank Wealth Management, Hengfeng Wealth Management, Huaxia Wealth Management, Huizhou Wealth Management, and Nanjing Bank Wealth Management.

II. Analysis of Highlight Products

The “Sunshine Golden Yield 292nd Phase K” product from Everbright Wealth Management achieved a weighted annualized return of 4.51%. The product has two share classes, I and K. In 2025, the annualized returns for the I and K shares were 1.87% and 1.92% respectively, with a combined total profit of 5.2516 million yuan for the year. However, the product has a high investment threshold: the K share requires a minimum purchase amount of 1 million yuan, and the I share requires 300,000 yuan. The product is scheduled to mature on June 24, 2026.

The “Enamel Blue Fixed Income 520-Day Minimum Holding Period No. 1” product from BNP Paribas Agricultural Bank Wealth Management was established in April 2025 and is an open-ended net-value product. As of the end of the first quarter of 2026, the cumulative net value growth rate since inception reached 4.60%. Looking at the holdings at the end of the first quarter, the product’s asset allocation after look-through is centered on bonds, accounting for 80.24%, followed by cash and bank deposits at 15.01%. The top ten assets are all second-tier capital bonds and perpetual bonds from major state-owned banks.

In the specific investment strategy introduction, the manager stated that the product adheres to sustainable investment principles, deeply integrating ESG factors into investment research and decision-making, primarily investing in high-quality local state-owned enterprises that meet ESG standards, with a particular focus on areas concerning national welfare and people’s livelihoods such as infrastructure construction, resettlement housing, and roads and bridges.

The “Tianying” Central China Rising Theme Wealth Management Product Phase 1 from Huizhou Wealth Management is a closed-end net-value product, expected to mature on September 29, 2026. The product has two share classes, A and B. As of the end of the first quarter of 2026, the cumulative net value growth rate since inception for the A share was 5.04%, and for the B share it was 5.27%, with the B share slightly outperforming the A share.

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