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 Viewpoint - The era of relying solely on real estate for wealth accumulation has ended, prompting a shift towards alternative hard assets for investment and protection against inflation [1] Group 1: Skills and Crafts - Acquiring a skill or craft is essential for job security in a competitive job market, as those with specialized skills are less likely to be replaced [2] - Practical skills such as appliance repair, cooking, and design are in high demand and can provide stable income [2] Group 2: Gold as a Hard Asset - Gold is considered a stable hard currency that retains value regardless of economic fluctuations, making it a prudent investment [3] - The price of gold has increased significantly, demonstrating its potential for value appreciation over time [5] Group 3: Health Investment - Investing in health is crucial, as poor health can negate financial gains; maintaining good health is essential for long-term wealth creation [6][8] - Simple lifestyle changes can significantly improve health and reduce future medical expenses [8] Group 4: Real Estate Investment - Not all real estate is depreciating; certain types of properties, such as low-rise buildings, quality school district homes, and communities with separated pedestrian and vehicle traffic, are expected to retain or increase in value [9][10] - The demand for quality living environments is rising, making these property types more attractive for investment [9] Group 5: Cautionary Advice - Ordinary individuals should avoid blind entrepreneurship and speculative investments in stocks and funds, as these carry high risks and often lead to losses [11] - A focus on stable asset allocation and health maintenance is recommended for long-term security and peace of mind [11]

Core Viewpoint - Investing in health is essential for a prosperous future, emphasizing the importance of regular exercise, healthy eating, and annual health check-ups [1] Group 1: Health Investment - Engaging in a preferred sport three times a week and reducing processed food intake while increasing water consumption is recommended [1] - Annual health check-ups are crucial for early detection and adjustment of minor health issues [1] Group 2: Financial Management - Enhancing primary income through hard work and developing a habit of mandatory savings is advised [2] - A portion of income should be saved first, followed by learning basic financial management skills [2] Group 3: Continuous Learning - Investing in oneself by learning 1-2 new skills annually is highlighted as a highly beneficial investment [3] - This approach opens up more opportunities and reduces work-related stress, allowing for passive income growth [3] Group 4: Execution Strategies - Starting small and maintaining consistency is key; for instance, beginning with one workout per week or saving 5% of salary [5] - Finding enjoyment in activities, such as preferred sports or interesting skills, makes the process more engaging [5] Group 5: Regular Review - Monthly reviews of savings goals, exercise consistency, and family interactions are recommended [6] - Adjustments should be made if goals are not met, and small rewards should be given for progress [6] - Balancing effort with relaxation and enjoyment of life is essential for overall well-being [6] Group 6: Long-term Perspective - Achieving a fulfilling life at 35 is the result of daily mindful management, and taking action sooner leads to greater ease in life [7]