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].

Core Viewpoint - The continuous decline in bank deposit interest rates has led to a situation where savings cannot keep up with inflation, prompting a shift in investment strategies for individuals to enhance their financial comfort and security [1][12]. Group 1: Bank Deposit Rates - Recent trends show a significant drop in bank deposit interest rates, from 2.25% to 1.35%, resulting in a decrease of 900 yuan in annual interest income for a deposit of 100,000 yuan [1]. - The current deposit rates are unable to outpace inflation, diminishing the purchasing power of savings over time [1]. Group 2: Investment Recommendations - Individuals are advised to acquire a skill or trade, as this can provide job security and additional income opportunities, especially during economic downturns [3]. - Investing in gold is recommended, as its price has been rising due to global economic instability and a declining US dollar index. It is suggested to buy gold during price corrections to maximize returns [8]. - Health investment is emphasized as crucial, with recommendations for regular exercise, proper sleep, and health check-ups, reflecting a growing awareness of the importance of physical well-being [9]. - Investing in dividend-paying bank stocks is encouraged, as many A-share listed banks offer dividend yields exceeding 3%, with some over 5%, providing a better return compared to current deposit rates [12].