不出3年，国内贬值最快的不是现金，而是这4样东西，别花冤枉钱

Core Viewpoint - The fastest depreciating assets in the domestic market over the next few years are not cash, but rather real estate, vehicles, educational qualifications, and electronic products [1][3]. Group 1: Cash and Economic Context - Despite concerns about cash depreciation, the actual situation shows that cash remains stable, with the M2 balance at 335.13 trillion yuan, growing by 8.2% year-on-year [1]. - The Consumer Price Index (CPI) for January to October 2025 shows a minimal increase of 0.2% year-on-year and month-on-month, indicating a lack of inflationary pressure [1][3]. Group 2: Real Estate - Real estate prices have been on a downward trend, with cities like Shanghai experiencing a price drop from over 90,000 yuan per square meter to around 60,000 yuan, a decline exceeding 30% [5]. - The expectation is that the depreciation in real estate prices will continue, particularly in first-tier cities where previous price bubbles are likely to correct [5]. Group 3: Vehicles - The depreciation rate of vehicles has accelerated, with mid-range electric cars dropping from over 200,000 yuan to around 170,000-180,000 yuan, and luxury imports seeing price reductions of nearly 100,000 yuan [7]. - Factors contributing to this trend include increased competition from new energy vehicles, rapid market updates, and stagnant income growth among middle-class families [7]. Group 4: Educational Qualifications - The value of educational qualifications is declining, with employers increasingly requiring higher degrees for positions that previously accepted lower qualifications [9]. - This trend is driven by a saturated job market and an increase in the number of university graduates due to expanded enrollment [9]. Group 5: Electronic Products - The depreciation of electronic products is significant, with prices for items like smartphones and laptops dropping rapidly; for instance, a Huawei phone purchased for 5,999 yuan is now priced at 4,999 yuan [11]. - Consumers are advised to be cautious and not to follow trends blindly, as the rapid depreciation of electronics suggests a need for prudent spending [11].