马云预言应验了？2025下半年手中有存款的人，或面临4大现实？

Core Viewpoint - The article discusses the potential challenges that individuals with savings may face in the second half of 2025, emphasizing that recent claims attributed to Jack Ma regarding these challenges are largely fabricated and should be approached with skepticism [1][13]. Group 1: Financial Challenges - The interest income from savings is decreasing, with the one-year deposit rate dropping from 2.25% to 1.35%, resulting in a loss of approximately 900 yuan in interest for a 100,000 yuan deposit [6][8]. - The purchasing power of savings is declining due to rising prices of essential goods, leading to a situation where savings interest cannot keep up with inflation [4][6]. - Investment risks are increasing as many individuals are shifting their savings into stocks and funds, yet the majority of investors are experiencing losses, with public funds projected to incur losses of 20-30% in 2024 [8][9]. Group 2: Entrepreneurial Risks - The likelihood of entrepreneurial failure is rising as many individuals are using their savings to start businesses, but the current economic environment is challenging due to reduced consumer spending and intense competition [9][11]. - Factors contributing to the high failure rate include shrinking market demand, fierce competition from experienced peers, and rising operational costs such as rent and labor [11].