众所周知，马云曾经对房产、金融、商业等领域发表过一些趋势性预测。而事后证实，他们讲话确实具有预见性。所以，每次马云对未来趋势做出预测之 后，都会引起社会各界的高度关注。最近，网上有的人说，马云预言应验了？2026年开始，手里有存救人的人，或面临4大现实。那么，马云究竟有没有做 出过这样的预言呢？ 为此，经过我们对全网的仔细查验，可以判定这是不实信息。马云近期并没有发表过此类讲话。不过，我们先抛开马云的预言不谈，单从当前存款市场的趋 势来看，从2026年开始，手里有存款的人，确实会面临以下这4大现实。让我们一起来了解一下： 第一，想靠吃利息生存会越来越难 第二，投资理财的风险在上升 现在很多人看到存款利率越来越低，且工作越来越难找，就把家中的存款拿出来投资创业。但是，多数人投资创业失败概率较大。我有朋友老赵，他儿子赵 刚就拿着父亲多年积蓄120万，在上海静安寺附近开了一家西餐厅，结果只用了不到二年的时间，就把父母的存款都给亏完了。所以，现在手中有存款的人 还是要面对创业成功概率低的现实问题。 第四，不断会有亲友前来借钱 现在手里有存款的人，会经常遇到亲友前来借钱的现实问题。而且借钱的理由是五花八门。有的人开口借 ...

Group 1 - The core viewpoint of the article highlights that the real estate market in China has entered a long-term adjustment phase, with prices declining significantly since 2022, aligning with Jack Ma's earlier prediction that housing prices would become very affordable [3][4][8] - As of September, the average price of second-hand residential properties in 100 cities was 13,381 yuan per square meter, reflecting a year-on-year decrease of 7.38%, marking 41 consecutive months of month-on-month price declines [3] - In many third and fourth-tier cities, housing prices have dropped to levels where a home can be purchased for tens of thousands to over a hundred thousand yuan, indicating a shift towards affordability [3][4] Group 2 - The article discusses the rising risks in the investment landscape, particularly as bank deposit rates have fallen from 3.05% to 1.55%, prompting individuals to withdraw savings for investment and entrepreneurship [4][6] - Despite various government policies aimed at stabilizing the real estate market, such as lowering mortgage rates and taxes, the article suggests that these measures may only temporarily slow down the price decline rather than reverse the overall downward trend [6][8] - The article warns that the probability of success in entrepreneurship is currently low due to factors such as intense competition, rising operational costs, and a shrinking consumer demand, which has led to a cautious approach to spending among consumers [10]

Group 1: Real Estate Market Trends - The prediction made by Jack Ma in 2017 about future housing prices being as low as "scallions" has come true, with average national housing prices now down over 30% [1][3] - Cities like Zhengzhou, Tianjin, and Shijiazhuang have seen significant price declines, followed by major cities like Shanghai and Shenzhen [3] - Prices in lower-tier cities have dropped to levels around 3,000 to 4,000 yuan per square meter, aligning with Ma's prediction [3] Group 2: Investment Risks - Investment risks are rising across various sectors, including real estate, stocks, funds, and bank products, as bank deposit rates hit historical lows [4][8] - The average loss for stock investors in 2024 is projected to be around 140,000 yuan, with public funds experiencing average losses of 20-30% [8] - The risk associated with bank wealth management products is increasing due to declining money market yields and rising bond market risks [8] Group 3: Entrepreneurship Challenges - Many individuals are withdrawing savings to invest in entrepreneurship, but the success rate is extremely low, described as "nine deaths and one life" [10] - Consumer behavior has shifted towards more rational spending post-pandemic, leading to a long-term oversupply in the market [12] - High rental costs for commercial spaces and intense competition from established companies further diminish the chances of entrepreneurial success [14]