Core Viewpoint - Jack Ma's past predictions, such as the decline in housing prices, have proven accurate, influencing public perception and investment decisions. Current discussions about his predictions for savings in 2025 lack credible sources and should be approached with caution [1][3]. Group 1: Economic Context - Starting in 2024, major state-owned banks are accelerating interest rate adjustments, with the one-year deposit rate dropping from 2.25% to 1.35%, resulting in a decrease of 900 yuan in interest for a 100,000 yuan deposit [5]. - The purchasing power of savings is declining as inflation outpaces interest income, with essential goods seeing price increases, leading to a situation where deposit income cannot keep up with inflation [6][8]. Group 2: Investment Risks - Many depositors are turning to high-yield investments like stocks and funds due to decreasing interest rates, but these come with significant risks. The probability of making a profit in the stock market is low, with many investors facing losses [10]. - The performance of public funds has been poor, with many experiencing losses between 20-30% last year, and the risk associated with bank wealth management products is also rising due to declining market yields and increasing bond market risks [10]. Group 3: Entrepreneurship Challenges - Individuals withdrawing savings to start businesses face low success rates due to economic downturns, rising operational costs, and intense competition, leading to a high likelihood of failure [12]. - The impact of e-commerce on traditional retail has further diminished market share for physical stores, making it difficult for new entrepreneurs to sustain their businesses [12]. Group 4: Suggested Strategies - To address these challenges, a diversified asset allocation strategy is recommended, dividing funds into three parts: one for fixed-income products like bank deposits and government bonds, another for low-risk investments like bond funds, and the last for mixed funds that provide dividends [14].