2025，有钱人的三大变化，醍醐灌顶！

Group 1 - There is a significant shift towards saving among all demographics, including the younger generation, despite low interest rates on deposits [1] - As of June 2025, the balance of RMB deposits reached 300.2 trillion yuan, with a year-on-year growth of 8.3%, indicating a strong increase in household and corporate savings [1] - The cost of borrowing has decreased, with mortgage rates dropping from over 6% in 2021 to around 3% currently, making home purchases more affordable [1] Group 2 - Luxury car brands like Porsche, BMW, and Audi are losing their appeal, with declining sales leading to price reductions, as consumers shift towards more cost-effective domestic electric vehicles [4] - The obsession with luxury goods has diminished, with consumers now prioritizing savings and financial security over brand status, reflecting a change in social behavior and spending habits [4] - The social environment has influenced a more casual approach to dressing, as fewer social gatherings reduce the need for formal attire [4] Group 3 - The increase in savings is primarily attributed to the middle class's anxiety about financial stability, leading to reduced discretionary spending [7] - Wealthy individuals are also hesitant to invest domestically, with many opting to transfer their wealth to Hong Kong through various financial instruments [7] - The trend of mindful consumption is emerging, with individuals recognizing the cumulative costs of small expenses and adjusting their spending habits accordingly [7]