未来3年可能出现的变化：现金、房子会贬值，而这4样却可能升值！

Core Viewpoint - The current economic environment in China is leading to a depreciation of wealth primarily held in cash and real estate, with expectations of continued downward pressure over the next three years [1][3]. Group 1: Real Estate - Real estate values have been declining since the second half of 2021, spreading from third-tier cities to some second-tier cities and even provincial capitals, with prices reverting to levels seen three years ago [1]. - Families with multiple properties are experiencing significant asset depreciation, with greater losses correlated to the number of properties owned [1]. Group 2: Cash and Inflation - The purchasing power of cash is decreasing due to loose monetary policies resulting in rising prices, with daily expenses significantly increasing; for example, grocery shopping costs have risen from 100-200 yuan to at least 300-500 yuan [3]. - Bank deposit interest rates are falling, with rates above 3% becoming rare, which is insufficient to counteract inflation, leading to a decline in the real value of savings [3]. Group 3: Alternative Assets - There are suggestions to invest in gold as a hedge against inflation, but gold investment carries risks due to price volatility; it is considered a good investment only when prices fall below $1200 per ounce, while risks increase significantly when prices exceed $1800 per ounce [5]. - The domestic gold market has barriers to entry, making it difficult to liquidate investments, and the probability of investment losses is notable [5]. Group 4: Valuable Assets and Skills - Urban land resources are becoming scarce due to ongoing population influx into major cities, making them a valuable asset for the wealthy and real estate companies, as they can serve as collateral for loans during financial difficulties [7]. - Possessing professional skills is crucial during inflationary periods, as skilled workers have more job opportunities and relatively stable incomes, which can be supplemented through part-time work [9]. - Maintaining good health is emphasized as a priceless asset, reducing medical expenses and improving quality of life, especially as healthcare costs rise during inflation [11]. - Mastery of financial management skills is essential for effectively managing personal wealth, mitigating risks, and achieving asset appreciation in a complex economic environment [11].