众所周知，马云不仅是商界大佬，而且在房地产领域也有其"独到的见解"。早在2017年马云在接受采访时表示："未来房价如葱"。当时房地产市场正处于上 升周期，具有较好的赚钱效应。为此，很多投资客都在连夜排队买房，而开发商也都在疯狂拿地。所以，大家对马云当时的言论并没有太在意。 而在未来5年内，各地房价调整的趋势仍会继续下去。实际上，与房价同时贬值的，可能还有存款。主要原因是，现在存款利率越来越低，以目前的存款利 率很难跑赢通货膨胀。与此同时，由于货币超发严重，未来几年通胀的可能性很大。这意味着老百姓放在银行里面存款的购买力会越来越弱。对此，有业内 人士提醒大家，未来5年，把存款换成这4个资产，或将衣食无忧。 第一，应多学几样技能 由于实体经济不景气，很多企业效益下滑，就选择裁员降薪。如果你手里掌握着一项或者多项技能，那被裁员的可能性就会大幅降低。此外，就算企业倒闭 了，手里掌握技术的人才也会很快找到满意的工作。 与此同时，如果你手里掌握着多技能之长，又觉得现在的公司薪水太低，也可以利用业余时间去做一份副业。比如，杨亮就是在TI公司上班，现在公司因效 益不好，都在降薪或裁员。而杨亮则可以利用业余时间，去开网约车，这 ...

Core Viewpoint - The recent decline in deposit rates among major state-owned banks has led to a shift in consumer behavior, with many opting to move their funds into alternative investment vehicles rather than renewing deposits [1][3]. Group 1: Deposit Rate Trends - Major state-owned banks have seen their one-year fixed deposit rates drop below 1%, while the interest rate for demand deposits has fallen to as low as 0.05% [1]. - In April 2025, household deposits decreased by 1.39 trillion yuan, while deposits in non-bank financial institutions increased by 1.57 trillion yuan, reflecting a shift in financial management strategies [3][4]. Group 2: Changing Investment Preferences - A new trend termed "new three golds" has emerged among younger generations, with 9.37 million individuals from the post-90s and post-00s generations diversifying their investments into money market funds, bond funds, and gold funds [6]. - Young investors are increasingly favoring flexible investment options like Yu'ebao, which offers similar returns to bank deposits but with greater liquidity [6]. Group 3: Investment Strategies and Community Engagement - Investors are encouraged to adopt a diversified approach to asset allocation, with recommendations to allocate funds in a 3:5:2 ratio among money market funds, bond funds, and gold funds to mitigate risks [8]. - The low-interest-rate environment has spurred a surge in financial literacy, with many individuals participating in online communities to share investment experiences and strategies [8][9].