马云预言说对了？2026年手中有存款的人，或面临2大现实？

Core Viewpoint - The article discusses the decline in bank deposit interest rates and the resulting challenges faced by depositors, debunking a false prediction attributed to Jack Ma regarding the future of savings in 2026 [1][9]. Group 1: Declining Deposit Rates - The interest rate for one-year deposits has decreased from 2.25% to 1.35%, leading to a reduction in interest income for depositors [3]. - For a deposit of 100,000 yuan, the interest earned has decreased by 900 yuan compared to previous rates [3]. Group 2: Investment Risks - Many depositors are withdrawing their savings to invest in higher-yield options like stocks and funds, but they face a high probability of losses [5]. - The average loss for stock investors last year was 140,000 yuan, while public funds experienced average losses of 20-30% [5]. - The declining yield in the money market and increasing risks in the bond market contribute to the unfavorable investment environment [5]. Group 3: Entrepreneurship Challenges - Individuals are using their savings to start businesses due to low deposit rates, but the success rate is very low [7]. - Factors contributing to the low success rate include reduced consumer demand, intense competition in traditional industries, high operational costs, and competition from e-commerce [7]. - A specific example is provided where an individual lost 800,000 yuan in a failed restaurant venture within a year [7]. Group 4: Conclusion and Recommendations - The article advises against blindly investing or starting businesses with savings, suggesting that keeping money in the bank may be a safer option until a new investment cycle emerges [9].