尊敬的投资者：
我公司发行的邮银财富·鸿运一年定开21号人民币理财产品（产品代码：2101UY0021）于2021-11-04成立，截至2025-11-07的产品单位净值情况如下：
| 估值日期 | 产品份额净值（元） | 产品累计份额净值（元） | 认（申）购价格（元）/赎回价格（元） |
| 2025-11-07 | 1.1270 | 1.1270 | - |
| 2025-11-03 | 1.1269 | 1.1269 | 1.1269 |
| 2025-10-31 | 1.1267 | 1.1267 | - |
| 2025-10-24 | 1.1262 | 1.1262 | - |
| 2025-10-17 | 1.1258 | 1.1258 | - |
| 2025-10-10 | 1.1253 | 1.1253 | - |
| 2025-10-09 | 1.1252 | 1.1252 | - |
| 2025-09-30 | 1.1248 | 1.1248 | - |
| 2025-09-26 | 1.1246 | 1.1246 | - |
| 2025-09-19 | 1.1244 | 1.1244 | - |
| 2025-09-12 | 1.1241 | 1.1241 | - |
| 2025-09-05 | 1.1238 | 1.1238 | - |
| 2025-08-29 | 1.1231 | 1.1231 | - |
| 2025-08-22 | 1.1230 | 1.1230 | - |
| 2025-08-15 | 1.1230 | 1.1230 | - |
| 2025-08-08 | 1.1228 | 1.1228 | - |
| 2025-08-01 | 1.1210 | 1.1210 | - |
| 2025-07-25 | 1.1196 | 1.1196 | - |
| 2025-07-18 | 1.1200 | 1.1200 | - |
| 2025-07-11 | 1.1190 | 1.1190 | - |
| 2025-07-04 | 1.1192 | 1.1192 | - |
| 2025-06-30 | 1.1184 | 1.1184 | - |
| 2025-06-27 | 1.1183 | 1.1183 | - |
| 2025-06-20 | 1.1183 | 1.1183 | - |
| 2025-06-13 | 1.1172 | 1.1172 | - |
| 2025-06-06 | 1.1166 | 1.1166 | - |
| 2025-05-30 | 1.1165 | 1.1165 | - |
| 2025-05-23 | 1.1147 | 1.1147 | - |
| 2025-05-16 | 1.1140 | 1.1140 | - |
| 2025-05-09 | 1.1135 | 1.1135 | - |
| 2025-05-06 | 1.1130 | 1.1130 | - |
| 2025-04-25 | 1.1122 | 1.1122 | - |
| 2025-04-18 | 1.1118 | 1.1118 | - |
| 2025-04-11 | 1.1115 | 1.1115 | - |
| 2025-04-07 | 1.1114 | 1.1114 | - |
| 2025-03-31 | 1.1077 | 1.1077 | - |
| 2025-03-28 | 1.1074 | 1.1074 | - |
| 2025-03-21 | 1.1063 | 1.1063 | - |
| 2025-03-14 | 1.1053 | 1.1053 | - |
| 2025-03-07 | 1.1050 | 1.1050 | - |
| 2025-02-28 | 1.1052 | 1.1052 | - |
| 2025-02-21 | 1.1055 | 1.1055 | - |
| 2025-02-14 | 1.1060 | 1.1060 | - |
| 2025-02-07 | 1.1059 | 1.1059 | - |
| 2025-02-05 | 1.1054 | 1.1054 | - |
| 2025-01-24 | 1.1043 | 1.1043 | - |
| 2025-01-17 | 1.1043 | 1.1043 | - |
| 2025-01-10 | 1.1040 | 1.1040 | - |
| 2025-01-03 | 1.1041 | 1.1041 | - |
| 2024-12-31 | 1.1032 | 1.1032 | - |
| 2024-12-27 | 1.1030 | 1.1030 | - |
| 2024-12-20 | 1.1024 | 1.1024 | - |
| 2024-12-13 | 1.1017 | 1.1017 | - |
| 2024-12-06 | 1.1003 | 1.1003 | - |
| 2024-11-29 | 1.0988 | 1.0988 | - |
| 2024-11-22 | 1.0980 | 1.0980 | - |
| 2024-11-15 | 1.0973 | 1.0973 | - |
| 2024-11-08 | 1.0966 | 1.0966 | - |
| 2024-11-04 | 1.0962 | 1.0962 | 1.0962 |
| 2024-11-01 | 1.0960 | 1.0960 | - |
| 2024-10-25 | 1.0954 | 1.0954 | - |
| 2024-10-18 | 1.0955 | 1.0955 | - |
| 2024-10-11 | 1.0939 | 1.0939 | - |
| 2024-10-08 | 1.0932 | 1.0932 | - |
| 2024-09-30 | 1.0934 | 1.0934 | - |
| 2024-09-27 | 1.0947 | 1.0947 | - |
| 2024-09-20 | 1.0948 | 1.0948 | - |
| 2024-09-13 | 1.0945 | 1.0945 | - |
| 2024-09-06 | 1.0938 | 1.0938 | - |
| 2024-08-30 | 1.0927 | 1.0927 | - |
| 2024-08-23 | 1.0927 | 1.0927 | - |
| 2024-08-16 | 1.0926 | 1.0926 | - |
| 2024-08-09 | 1.0926 | 1.0926 | - |
| 2024-08-02 | 1.0924 | 1.0924 | - |
| 2024-07-26 | 1.0913 | 1.0913 | - |
| 2024-07-19 | 1.0899 | 1.0899 | - |
| 2024-07-12 | 1.0892 | 1.0892 | - |
| 2024-07-05 | 1.0888 | 1.0888 | - |
| 2024-06-30 | 1.0886 | 1.0886 | -- |
| 2024-06-28 | 1.0884 | 1.0884 | - |
| 2024-06-21 | 1.0872 | 1.0872 | - |
| 2024-06-14 | 1.0895 | 1.0895 | - |
| 2024-06-07 | 1.0889 | 1.0889 | - |
| 2024-05-31 | 1.0880 | 1.0880 | - |
| 2024-05-24 | 1.0871 | 1.0871 | - |
| 2024-05-17 | 1.0863 | 1.0863 | - |
| 2024-05-10 | 1.0855 | 1.0855 | - |
| 2024-05-06 | 1.0850 | 1.0850 | - |
| 2024-04-26 | 1.0851 | 1.0851 | - |
| 2024-04-19 | 1.0851 | 1.0851 | - |
| 2024-04-12 | 1.0840 | 1.0840 | - |
| 2024-04-07 | 1.0826 | 1.0826 | - |
| 2024-03-31 | 1.0819 | 1.0819 | -- |
| 2024-03-29 | 1.0817 | 1.0817 | - |
| 2024-03-22 | 1.0811 | 1.0811 | - |
| 2024-03-15 | 1.0799 | 1.0799 | - |
| 2024-03-08 | 1.0797 | 1.0797 | - |
| 2024-03-01 | 1.0789 | 1.0789 | - |
| 2024-02-23 | 1.0781 | 1.0781 | - |
| 2024-02-18 | 1.0768 | 1.0768 | - |
| 2024-02-09 | 1.0761 | 1.0761 | - |
| 2024-02-02 | 1.0757 | 1.0757 | - |
| 2024-01-26 | 1.0741 | 1.0741 | - |
| 2024-01-19 | 1.0730 | 1.0730 | - |
| 2024-01-12 | 1.0721 | 1.0721 | - |
| 2024-01-05 | 1.0712 | 1.0712 | - |
| 2023-12-31 | 1.0702 | 1.0702 | - |
| 2023-12-29 | 1.0700 | 1.0700 | - |
| 2023-12-22 | 1.0682 | 1.0682 | - |
| 2023-12-15 | 1.0672 | 1.0672 | - |
| 2023-12-08 | 1.0660 | 1.0660 | - |
| 2023-12-01 | 1.0655 | 1.0655 | - |
| 2023-11-24 | 1.0645 | 1.0645 | - |
| 2023-11-17 | 1.0638 | 1.0638 | - |
| 2023-11-10 | 1.0626 | 1.0626 | - |
| 2023-11-03 | 1.0616 | 1.0616 | 1.0616 |
| 2023-10-27 | 1.0608 | 1.0608 | - |
| 2023-10-24 | 1.0604 | 1.0604 | - |
| 2023-10-20 | 1.0602 | 1.0602 | - |
| 2023-10-13 | 1.0611 | 1.0611 | - |
| 2023-10-07 | 1.0608 | 1.0608 | - |
| 2023-09-30 | 1.0600 | 1.0600 | -- |
| 2023-09-28 | 1.0598 | 1.0598 | - |
| 2023-09-22 | 1.0596 | 1.0596 | - |
| 2023-09-15 | 1.0589 | 1.0589 | - |
| 2023-09-08 | 1.0585 | 1.0585 | - |
| 2023-09-01 | 1.0607 | 1.0607 | - |
| 2023-08-25 | 1.0612 | 1.0612 | - |
| 2023-08-18 | 1.0619 | 1.0619 | - |
| 2023-08-11 | 1.0626 | 1.0626 | - |
| 2023-08-04 | 1.0617 | 1.0617 | - |
| 2023-07-28 | 1.0616 | 1.0616 | - |
| 2023-07-21 | 1.0623 | 1.0623 | - |
| 2023-07-14 | 1.0627 | 1.0627 | - |
| 2023-07-07 | 1.0620 | 1.0620 | - |
| 2023-06-30 | 1.0605 | 1.0605 | - |
| 2023-06-25 | 1.0602 | 1.0602 | - |
| 2023-06-16 | 1.0599 | 1.0599 | - |
| 2023-06-09 | 1.0591 | 1.0591 | - |
| 2023-06-02 | 1.0609 | 1.0609 | - |
| 2023-05-26 | 1.0603 | 1.0603 | - |
| 2023-05-19 | 1.0597 | 1.0597 | - |
| 2023-05-12 | 1.0588 | 1.0588 | - |
| 2023-05-05 | 1.0574 | 1.0574 | - |
| 2023-04-28 | 1.0559 | 1.0559 | - |
| 2023-04-21 | 1.0543 | 1.0543 | - |
| 2023-04-14 | 1.0530 | 1.0530 | - |
| 2023-04-07 | 1.0509 | 1.0509 | - |
| 2023-03-31 | 1.0500 | 1.0500 | - |
| 2023-03-24 | 1.0484 | 1.0484 | - |
| 2023-03-17 | 1.0458 | 1.0458 | - |
| 2023-03-10 | 1.0426 | 1.0426 | - |
| 2023-03-03 | 1.0392 | 1.0392 | - |
| 2023-02-24 | 1.0382 | 1.0382 | - |
| 2023-02-17 | 1.0380 | 1.0380 | - |
| 2023-01-31 | 1.0288 | 1.0288 | - |
| 2022-12-31 | 1.0197 | 1.0197 | -- |
| 2022-12-30 | 1.0195 | 1.0195 | - |
| 2022-11-30 | 1.0154 | 1.0154 | - |
| 2022-11-03 | 1.0300 | 1.0300 | 1.0300 |
| 2022-10-31 | 1.0325 | 1.0325 | - |
| 2022-10-24 | 1.0330 | 1.0330 | - |
| 2022-09-30 | 1.0310 | 1.0310 | - |
| 2022-08-31 | 1.0311 | 1.0311 | - |
| 2022-07-31 | 1.0333 | 1.0333 | -- |
| 2022-06-30 | 1.0260 | 1.0260 | - |
| 2022-05-31 | 1.0257 | 1.0257 | - |
| 2022-04-30 | 1.0202 | 1.0202 | -- |
| 2022-03-31 | 1.0147 | 1.0147 | - |
| 2022-02-28 | 1.0151 | 1.0151 | - |
| 2022-01-31 | 1.0159 | 1.0159 | -- |
| 2021-12-31 | 1.0083 | 1.0083 | - |
| 2021-11-30 | 1.0028 | 1.0028 | - |
| 2021-11-03 | 1 | 1 | - |
备注：认（申）购价格和赎回价格即为产品份额净值。
【风险提示】
理财产品过往业绩不代表其未来表现，不等于理财产品实际收益，投资须谨慎。
本产品无预期收益率，产品净值随所投资资产的估值变动，产品申购、赎回、清算以产品净值为计算基础，客户所能获得的最终收益以实际支付的为准。
我公司将恪守勤勉尽责的原则，合理配置资产组合，为客户提供专业化的理财服务。客户应密切关注邮储银行官网与本产品有关的信息披露，以免造成不必要的损失。
中邮理财有限责任公司
2025年11月12日
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