马云再开金口？2025下半年，手里有存款的人，或将面临2大挑战？

Group 1: Real Estate Market Trends - The prediction made by Jack Ma in 2017 about future housing prices being as low as "scallions" has come true, with average national housing prices now down over 30% [1][3] - Cities like Zhengzhou, Tianjin, and Shijiazhuang have seen significant price declines, followed by major cities like Shanghai and Shenzhen [3] - Prices in lower-tier cities have dropped to levels around 3,000 to 4,000 yuan per square meter, aligning with Ma's prediction [3] Group 2: Investment Risks - Investment risks are rising across various sectors, including real estate, stocks, funds, and bank products, as bank deposit rates hit historical lows [4][8] - The average loss for stock investors in 2024 is projected to be around 140,000 yuan, with public funds experiencing average losses of 20-30% [8] - The risk associated with bank wealth management products is increasing due to declining money market yields and rising bond market risks [8] Group 3: Entrepreneurship Challenges - Many individuals are withdrawing savings to invest in entrepreneurship, but the success rate is extremely low, described as "nine deaths and one life" [10] - Consumer behavior has shifted towards more rational spending post-pandemic, leading to a long-term oversupply in the market [12] - High rental costs for commercial spaces and intense competition from established companies further diminish the chances of entrepreneurial success [14]