马云预言成真？2026年，手握存款的人，或将面临三大难题

Group 1: Real Estate Market Trends - Since 2021, domestic housing prices have entered a long-term adjustment phase, with an average decline of over 30% nationwide as of 2023 [1][3] - Major cities like Shanghai and Shenzhen have joined the price adjustment trend, following declines in second and third-tier cities [1] - Some third and fourth-tier cities have seen prices drop to levels where homes can be purchased for tens of thousands or even hundreds of thousands [1] Group 2: Bank Deposit Rates and Economic Challenges - Starting in 2023, domestic deposit rates have entered a long-term adjustment phase, with one-year fixed deposit rates dropping from 2.25% to 1.35%, resulting in a decrease of 900 yuan in interest income for a 100,000 yuan deposit [3][6] - The decline in deposit rates poses significant challenges for elderly individuals and those relying on interest income, as their purchasing power diminishes [6] - The overall economic environment is characterized by slowing income growth and shrinking consumer demand, making it difficult for new entrepreneurs to succeed [8] Group 3: Investment Risks and Market Performance - Many individuals are turning to high-yield investment products like stocks and funds due to low deposit interest, but these come with high risks, with many funds experiencing losses of 20-30% in 2024 [10][12] - The majority of stock market participants are currently facing losses, with few managing to outperform inflation due to poor trading strategies [10] - There is a growing concern regarding the performance of bank wealth management products, particularly those rated R2 and below, which have also shown losses due to declining money market yields and rising bond market risks [12]