Core Viewpoint - The article discusses the declining trend of bank deposit interest rates and suggests alternative asset classes for individuals to consider for financial security, while debunking a false claim about Jack Ma's predictions regarding these assets. Group 1: Current Trends in Bank Deposits - Bank deposit interest rates are currently on a downward trend, with a specific example showing a decrease from 3.25% to 1.75% for a three-year deposit, resulting in a reduction of annual interest income by 1,500 yuan for a deposit of 100,000 yuan [3][10]. Group 2: Suggested Asset Classes - The article proposes four asset classes to consider instead of traditional bank deposits: 1. **Investing in Skills**: Emphasizes the importance of acquiring skills to enhance employability and income potential, especially in a challenging job market [5]. 2. **Investing in Health**: Highlights the growing trend of individuals prioritizing health investments, such as gym memberships and regular health check-ups, to ensure long-term well-being [7]. 3. **Learning Financial Management**: Recommends that individuals invest time in learning financial and investment knowledge to protect and grow their assets in a low-interest environment [10]. 4. **Investing in Dividend Stocks**: Suggests reallocating funds into dividend-paying stocks, particularly in the banking sector, where average dividend yields range from 4% to 5%, surpassing current deposit rates [12].

众所周知，马云是国内知名的企业家，商界领袖。其在国内的影响力之所以这么大，主要是因为马云发表过一些对未来趋势的看法，最终被证实还是具有较 强的前瞻性。最近，又有不少自媒体为了吸引流量，频繁拿马云"预言"作为噱头，编造出"马云建议未来5年，把存款换成这4个资产"的预言。而经过我们对 全网的查验，基本可以判定这是虚假信息，马云近期并没有做出过此类讲话。 其实，我们先抛开马云的预言不谈，单从现实角度出发，目前存款利率确实呈现出下跌的趋势。以3年期年存款利率为例，之前利率是3.05%，现在已经跌 到了1.55%。如果储户把10万元存入银行，平均每年利息收入就减少了1500元。所以，如果把钱全都存在银行里面，也确实会面临利息越来越少的问题。而 未来5年，把存款换成以下这4个资产，或将衣食无忧。 第一，应掌握多项技能 现在传统行业都不景气，不少企业为了降低用工成本，都在裁员增效。如果你手里有多项技能，就不用太担心被裁员，毕竟企业还要正常运营和发展，离不 开有多项技能的人才。退一步讲，就算有多项技能的人失业了，也能在短时间内找到新的工作。 值得一提的是，现在很多企业都不愿意招收35岁以上的中年人，但是如果你手里有多项技能， ...

Core Insights - The report from Rong360 Digital Technology Research Institute indicates a comprehensive decline in bank deposit rates, with medium to long-term rates entering the "1 era" [1] - The average interest rates for 3-year and 5-year fixed deposits show significant inversion [1] Deposit Rate Summary - The average interest rate for 3-month fixed deposits is 1.004% [1] - The average interest rate for 6-month fixed deposits is 1.212% [1] - The average interest rates for 1-year, 2-year, 3-year, and 5-year fixed deposits are 1.339%, 1.428%, 1.711%, and 1.573% respectively [1]