马云预言准吗？12月后，手里有存款的人，可能将面临这2大现实

Core Viewpoint - The article discusses the declining interest rates on bank deposits and the increasing risks associated with investments and entrepreneurship, debunking a false prediction attributed to Jack Ma regarding the financial situation for depositors after December. Group 1: Bank Deposit Trends - Current interest rates for 3-year deposits have decreased from 3.05% to 1.55%, resulting in an annual interest loss of 1500 yuan for a deposit of 100,000 yuan [3][5] - Many depositors are withdrawing their savings to invest in higher-yielding options due to dissatisfaction with low deposit interest rates [5][10] Group 2: Investment Risks - The real estate market has seen a significant decline, with average national housing prices dropping over 30% since 2022, leading to increased investment risks in property [5][10] - In the stock market, approximately 81% of retail investors reported losses, with an average loss of about 21,000 yuan, indicating that investing in stocks may be riskier than keeping money in the bank [7][9] - Public funds are also experiencing losses of 20-30%, raising concerns about the reliability of fund managers in poor market conditions [7][9] - Low-risk bank wealth management products are increasingly showing losses due to declining money market yields and rising bond market risks, making them less secure for investors [9] Group 3: Entrepreneurship Challenges - Many individuals are using their savings to start businesses, but the failure rate is high, with common reasons including slow income growth, intense competition, and rising operational costs [10][12] - The article highlights a case where an individual lost significant savings and incurred debt due to a failed restaurant venture, illustrating the risks of entrepreneurship in the current economic climate [12]