2026年贬值最快的不是钞票？4样东西正加速贬值，早了解早准备

Core Viewpoint - The rapid devaluation of currency is not as significant as perceived, with the purchasing power of money remaining stable, while certain assets like second-hand houses, cars, electronic products, and luxury goods are experiencing accelerated depreciation [1][3]. Group 1: Currency and Economic Context - As of November 2025, the broad money supply (M2) reached 336.99 trillion yuan, growing by 8.0% year-on-year, which is double the GDP [1]. - The Consumer Price Index (CPI) for 2025 remained flat compared to the previous year, indicating stable prices for essential goods [1]. - The current economic environment is characterized by deflation, with many consumers facing stagnant or declining incomes, leading to reduced purchasing power [3]. Group 2: Real Estate Market - Since 2022, housing prices have been on a downward trend, with an average decline exceeding 30% nationwide, and second-hand housing prices continuing to drop into 2025 [5]. - In December 2025, the average transaction price for second-hand residential properties in 100 key cities was 13,016 yuan per square meter, reflecting a month-on-month decrease of 0.97% and a year-on-year decrease of 8.36% [5]. - Factors contributing to the accelerated depreciation of second-hand housing include existing price bubbles, declining household incomes, and a surge in listings, with over 9.2 million second-hand homes available by the end of 2025 [5]. Group 3: Automotive Market - The depreciation rate of second-hand cars is significant, with examples showing a drop in value from 200,000 yuan to 130,000 yuan within a year and a half [7]. - The decline in second-hand car prices is driven by aggressive pricing strategies for new cars and an oversupply in the second-hand market due to economic downturns [7]. Group 4: Electronics Market - The rapid depreciation of electronic products is evident, with prices for items like smartphones and laptops dropping significantly within months of purchase [10]. - The fast-paced technological advancements lead to quick obsolescence of older models, forcing manufacturers to discount prices to clear inventory [10]. Group 5: Luxury Goods Market - Luxury goods are experiencing steep depreciation, with examples showing a luxury handbag purchased for 20,000 yuan being valued at only 3,000 yuan in the second-hand market [12]. - The decline in luxury goods value is attributed to reduced consumer spending due to lower incomes and the availability of high-quality counterfeit products at a fraction of the price [12].