2026年手握大量存款真吃亏？业内揭秘：这四类人已偷着乐！

Core Viewpoint - The article emphasizes that holding cash deposits in 2026 is a wise financial strategy, especially in a deflationary environment where purchasing power is increasing despite low interest rates [1][9]. Group 1: Economic Environment - The average CPI growth in 2025 was 0%, indicating a shift into a deflationary cycle, which enhances the purchasing power of cash deposits [1]. - Prices of essential goods and services have decreased significantly, with the average price of second-hand homes in 100 cities dropping by 8.36% year-on-year, and first-tier cities seeing over a 30% decline from peak prices [3]. Group 2: Investment Risks - The investment market in 2026 is fraught with risks, as 81% of retail investors reported losses in 2025, averaging a loss of 21,000 yuan per person [3][4]. - Many investors have been trapped in high-risk stocks and funds, with public funds averaging a 20% loss in 2024, and some bank wealth management products even yielding negative returns [3][4]. Group 3: Advantages of Holding Cash - Cash deposits provide safety and security, as they are protected by deposit insurance, ensuring 100% compensation for amounts up to 500,000 yuan [4]. - Having sufficient cash reserves allows individuals to navigate crises more effectively, providing options during unemployment or unexpected medical expenses [6]. Group 4: Investment Opportunities - The current market conditions present a unique opportunity for cash holders to buy quality assets at lower prices, as property and stock prices are declining [7]. - Investors with cash can strategically wait for the right moment to invest, capitalizing on lower asset prices when the market stabilizes [7]. Group 5: Cash Management Strategies - Effective cash management involves reasonable allocation, such as using money market funds for emergency funds and higher-yielding fixed deposits for long-term savings [9]. - The article suggests that in 2026, saving money is not merely a conservative choice but a smart strategy to cope with economic fluctuations and enhance purchasing power [9].