从2026年起，手握100万以上存款的人，或将面临这3大挑战！

Core Viewpoint - The article discusses the increasing trend of savings among both older and younger generations in China, highlighting the challenges faced by individuals with over 1 million yuan in savings due to declining interest rates, rising investment risks, and low success rates in entrepreneurship [1][3][13]. Group 1: Savings Trends - There is a growing enthusiasm for saving money among the Chinese population, with younger individuals increasingly participating in saving to prepare for unexpected events like unemployment and illness [1]. - Previously, the primary savers were middle-aged and older individuals due to their stable income and lower daily expenses [1]. Group 2: Challenges of Low Interest Rates - Starting from 2023, deposit interest rates have been on a downward trend, with the 3-year deposit rate dropping from 3.05% to 1.55%, resulting in a significant annual income loss of up to 15,000 yuan for those with 1 million yuan in savings [5]. - The decline in interest rates means that the purchasing power of savings is decreasing annually, as inflation outpaces interest income [5]. Group 3: Investment Risks - Many savers are turning to higher-yield investments like stocks and funds due to low deposit rates, but the risk of loss is high, with 81% of retail investors losing money in the first ten months of 2025, averaging a loss of 21,000 yuan [8]. - Public funds have also seen significant losses, with declines of 20-30% last year, and some bank wealth management products are beginning to show losses as well [9]. Group 4: Entrepreneurship Challenges - Young individuals are increasingly using their savings to start businesses, but the success rate is very low due to factors such as slow income growth, shrinking consumer demand, and rising operational costs [12]. - The article cites a specific case of a young entrepreneur who lost over 1 million yuan in a failed restaurant venture, illustrating the high risk associated with entrepreneurship in the current economic climate [12]. Group 5: Future Outlook - Industry experts suggest that individuals with over 1 million yuan in savings will face these three major challenges in 2026, but keeping money in the bank may still be safer than investing or starting a business at this time [13]. - There is an expectation that waiting for the right investment opportunities, such as in the stock or real estate markets, may yield better results once the current asset bubble is deflated [13].