2026年，存款多的人要“偷着乐”？4个原因，普通人越早知道越赚

Core Viewpoint - The current economic environment suggests that having more savings is advantageous due to low inflation and declining prices, allowing individuals to maintain purchasing power and avoid investment risks [1][3][5]. Group 1: Economic Context - As of November 2025, the broad money supply (M2) in China reached 336.99 trillion yuan, growing by 8.0% year-on-year, indicating potential inflation risks in the future [1]. - The current bank deposit interest rates have dropped significantly from 3.25% to 1.75%, a decline of over 40%, with further decreases anticipated [1]. Group 2: Purchasing Power - The purchasing power of savings remains stable, with the Consumer Price Index (CPI) showing no growth year-on-year, indicating that prices for essential goods like housing, vehicles, and food are decreasing [3][5]. - For example, the price of pork has decreased, allowing individuals to buy more with the same amount of money, enhancing the value of savings [5]. Group 3: Investment Risks - Investment risks are rising, with many investors experiencing losses in funds, and 81.1% of retail investors in the A-share market reporting losses in 2025 [8]. - Holding cash allows individuals to avoid these investment risks, as the principal and interest on savings remain secure despite low rates [8]. Group 4: Financial Security - Having savings provides a buffer against unexpected events such as job loss or medical emergencies, allowing individuals to manage crises without immediate financial pressure [11]. - Business owners can use their savings to cover operational costs during downturns, ensuring stability in challenging economic conditions [11]. Group 5: Opportunities in a Downturn - In a deflationary environment, individuals with substantial savings have the opportunity to invest in undervalued assets once market bubbles burst, positioning themselves for future gains [13]. - The ability to acquire shares in struggling companies at low prices can lead to significant wealth accumulation when the economy rebounds [13].