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].