2017年，马云预言房地产将如白菜价，如今8年过去了预言成为现实

Core Viewpoint - The prediction made by Jack Ma in 2017 that "future housing prices will be like scallions" has come true, as the real estate market has entered a phase of adjustment with significant price declines, especially in third and fourth-tier cities [1][3][5][14]. Real Estate Market Situation - The real estate market has been undergoing adjustments since 2022, with multiple cities experiencing price corrections, particularly in third and fourth-tier cities where prices have dropped significantly from historical highs [5][14]. - As of 2024, the number of second-hand homes listed for sale has increased, and the average transaction cycle has lengthened, indicating a buyer's market [7][16]. - Many homeowners who purchased properties between 2017 and 2019 are finding that current new home prices are lower than their purchase prices, leading to discussions about real estate no longer being the best investment [9][16]. Economic Context - The average interest rates for three-year and five-year fixed deposits in banks have decreased to 1.711% and 1.573%, respectively, leading to a significant reduction in returns compared to previous years [18][20]. - The purchasing power of savings is being eroded due to low interest rates and rising daily consumption costs, creating a "silent wealth evaporation" effect [24][26][28]. Investment Landscape - There is a rise in high-yield investment projects that often disguise themselves with trendy concepts like "metaverse real estate" and "blockchain mining," promising annual returns of over 20% [30][32]. - These schemes often operate similarly, targeting clients through social media and creating a false sense of wealth, ultimately leading to significant financial losses for investors [32][37]. Recommended Investment Strategies - Financial experts suggest a diversified asset allocation strategy to navigate the current economic environment, recommending that 50%-60% of funds be allocated for basic living expenses, 20%-30% for inflation-hedging assets, and 10% for educational investments or small innovative projects [42][45]. - Data indicates that global central banks increased their gold holdings by over 1,000 tons in 2023, highlighting a trend towards stable investments [47].