马云预言应验了？2026年开始，手中有存款的人，或面临4大现实？

Core Viewpoint - Recent discussions about predictions made by Jack Ma regarding financial trends have been deemed false, as he has not made any such statements recently. However, the current trends in the deposit market indicate that individuals with savings will face four significant realities starting in 2026 [3][11]. Group 1: Deposit Market Trends - The trend shows that relying on interest income from savings will become increasingly difficult due to declining deposit rates [3][7]. - From 2024, domestic deposit rates are entering a long-term adjustment phase, with a notable decrease in rates, such as the three-year deposit rate dropping from 3.05% to 1.55%, a decline of nearly 50% [7]. - The significant drop in bank deposit rates is making it challenging for those who depend on interest income to sustain their living [7]. Group 2: Investment Risks - The risk associated with investment and financial management is rising, as many individuals are withdrawing their savings to invest in stocks, funds, and other high-yield products, often resulting in capital losses [4][6]. - The current investment environment is unfavorable, leading even experienced investors to face losses, while many savers lack the necessary investment knowledge, increasing their likelihood of losing money [6]. Group 3: Entrepreneurship Challenges - Many individuals are attempting to use their savings for entrepreneurial ventures, but the probability of failure in such endeavors is high, as illustrated by anecdotal evidence of significant losses in personal investments [9]. - The challenges of starting a business successfully are compounded by the current economic climate, making it a risky option for those with savings [9]. Group 4: Social Pressure for Financial Assistance - Individuals with savings are frequently approached by friends and family for loans, which can create difficult social dilemmas regarding lending money [11]. - The reasons for borrowing can vary widely, from educational expenses to medical emergencies, leading to potential strain in personal relationships if loans are not repaid [11].