其实，我们先抛开马云的预言不谈，单从现实角度出发，来聊一聊2025年下半年手里有存款的人可能要面对的4大现实问题。它分别是：①存款利息收入越 来越低；②存款购买力越来越差；③投资理财风险上升；④创业失败可能性增加。让我们一起来了解一下： 第三，投资理财的风险在上升 众所周知，马云是国内知名的企业家，他在社会上也有较大的影响力。特别是马云发表过一些对未来趋势的看法，受到了投资者的高度关注。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"马云对2025年下半年手里有存款的人，或面临4大现实"的预言。而经过我们的对全网的论 证，基本可以判定是虚假信息，希望大家对网络上这类夸张的言论保持警惕。 第一，存款利息收入越来越低 第二，存款购买力会越来越差 现如今，国内与老百姓生活休戚相关的商品价格始终居高不下。比如，食品油、洗漱用品、生活用纸等。事实上，以当前越来越低的存款利息肯定跑不赢通 胀。不仅如此，随着物价每年都有不同程度的上涨，居民放在银行里面的存款的购买力也是一年不如一年。所以，手里有存款的人将面临存款利息跑不赢通 胀，而银行存款的购买力也越来越差的现实。 由于银行存款利率越来越低，很多人 ...

Core Insights - The article highlights the challenges faced by families with over 1 million yuan in savings as they navigate a changing financial landscape in China, particularly by 2025 [1][3]. Group 1: Declining Interest Rates - Starting in 2024, domestic banks are accelerating the decline of interest rates, with one-year fixed deposit rates dropping from 2.25% to 1.35%, resulting in a loss of 900 yuan in interest income for a 100,000 yuan deposit [5][6]. - The demographic most affected by declining interest rates includes middle-aged and elderly individuals who rely on interest income for their livelihood [6]. Group 2: Inflation and Purchasing Power - Current interest income is failing to keep pace with inflation, as essential goods have seen significant price increases, making it difficult for depositors to maintain their purchasing power [9]. - Families with over 1 million yuan in savings are experiencing a continuous decline in the purchasing power of their savings [9]. Group 3: Entrepreneurship Risks - Many individuals are considering using their savings to start businesses, but the probability of failure is high due to intense competition across various industries [11]. - The article notes that many entrepreneurs face significant financial losses, leading to a growing trend of "poverty through entrepreneurship" [11]. Group 4: Investment Risks - As interest rates decline, individuals are increasingly looking to invest in higher-yield options such as stocks and funds, but the associated risks are rising [13][14]. - The stock market is volatile, with many investors suffering substantial losses after entering the market at high points [13]. - Fund investments have also seen significant losses, with many funds reporting declines of 20-30% last year [14]. Group 5: Social Lending Dilemmas - Families with over 1 million yuan in savings frequently encounter requests for loans from friends and relatives, creating a dilemma about whether to lend money [16]. - Data indicates that 62% of such loans are not fully repaid, complicating personal relationships [16].

Group 1: Real Estate Market Trends - Since 2021, domestic housing prices have entered a long-term adjustment phase, with an average decline of over 30% nationwide as of 2023 [1][3] - Major cities like Shanghai and Shenzhen have joined the price adjustment trend, following declines in second and third-tier cities [1] - Some third and fourth-tier cities have seen prices drop to levels where homes can be purchased for tens of thousands or even hundreds of thousands [1] Group 2: Bank Deposit Rates and Economic Challenges - Starting in 2023, domestic deposit rates have entered a long-term adjustment phase, with one-year fixed deposit rates dropping from 2.25% to 1.35%, resulting in a decrease of 900 yuan in interest income for a 100,000 yuan deposit [3][6] - The decline in deposit rates poses significant challenges for elderly individuals and those relying on interest income, as their purchasing power diminishes [6] - The overall economic environment is characterized by slowing income growth and shrinking consumer demand, making it difficult for new entrepreneurs to succeed [8] Group 3: Investment Risks and Market Performance - Many individuals are turning to high-yield investment products like stocks and funds due to low deposit interest, but these come with high risks, with many funds experiencing losses of 20-30% in 2024 [10][12] - The majority of stock market participants are currently facing losses, with few managing to outperform inflation due to poor trading strategies [10] - There is a growing concern regarding the performance of bank wealth management products, particularly those rated R2 and below, which have also shown losses due to declining money market yields and rising bond market risks [12]