第1财金专讯 银行理财产品收益率近期大幅下降，据Wind数据，截至8月23日，在售的3个月以内的人民币银行理财产品平均收益率下限仅为2.7%，上限4.0%。降息周期下，具有锁定收益、风险较小等优势的分级债基稳健份额投资价值凸显，投资者可重点关注近期开放的分级债基A端份额，如天弘添利A。

I.an 1 special - bank financing products yield sharp drop in the near future，According to the Wind data，As of August 23,，In the sale within 3 months of RMB bank financing products average yield limit is only 2.7%，Upper limit of 4.0%。Rate cut cycle under，Has locking income、The advantages of the smaller risk classification debt base steady share investment value highlights，Investors can focus on recent open hierarchical debt base A end share，Such as celestica termbray A。

　　作为3个月理财产品，天弘添利A每3个月开放一次，8月31日将迎来年内第3次开放，开放日仅一天，投资者可通过工商银行(601398,股吧)、邮储银行，以及数米基金、天天基金、众禄基金等第三方销售公司、天弘基金网上直销中心进行申购。

As 3 months financial products，Celestica termbray A every 3 months open A，August 31, will have years third open，Open Day just for one day，Can be accessed by investors in a commercial bank(601398,guba)、YouChu bank，And several meters fund、Every day fund、The third party such as Paul fund sales company、Celestica fund purchase online marketing center。

　　天弘添利A约定年化收益率为一年期定存利率的1.3倍，按照当前3%的一年期定存利率基准利率来算，其3个月的年化收益为3.9%。天弘添利A1000元起购，无申购费，3个月到期后可选择赎回，也可以自动进入下一投资周期，无投资空白期，持有两个周期还可以免赎回费。 （和讯）

Celestica termbray A agreed annualised rate of return for one-year fixed deposit interest rate 1.3 times，According to the current 3% of the one-year fixed deposit interest rate benchmark interest rate to calculate，The three months of annualised income is 3.9%。Celestica termbray A1000 yuan up purchase，No subscription fee，Three months after the end of the can choose redemption，Also can automatically into the next investment cycle，No investment blank period，Hold two cycle can also avoid redemption fee。 （With dispatch）