在很多人眼里，未来5年，国内贬值最快的是现金。主要原因是，我国央行货币超发严重，截至2025年8月末，中国广义货币供应量M2总额为331.98万亿 元，同比增长8.8%。M2规模是GDP的2倍，未来现金会越来越不值钱。但实际上，2025年8月份，全国居民消费价格同比下降0.4%。国内经济总体呈现通货 紧缩的趋势。 而导致货币超发严重，经济呈现通缩的原因有两个：一个是国内超发的货币在金融体系内空转，并没有流向社会。这就导致了社会各界都在喊缺钱。超发货 币之所以没有流向实体经济，主要是市场信心恢复还需要较长时间。 另一个是，现在实体经济都不景气，居民收入增长放缓或下降，消费需求出现萎缩。如此一来，企业生产出来的商品，库存积压严重，为了及时回笼资金， 只好把商品降价出售。 对于当前国内通缩的经济周期，有业内人士提醒大家：不出5年，国内贬值最快的不是现金，而是这4样东西，普通家庭要注意了。他们分别是：①房子；② 车子；③学历；④收藏品。让我们一起来了解一下： 第一，房子将逐步回归"居住属性" ②现在国内居民收入增长放缓或下降，已经支撑不起当前的高房价。③中国已经进入到老龄化社会。老年人越来越多，都有了属于自己的房子。 ...

Group 1: Economic Overview - The future expectation is that cash will depreciate rapidly due to severe domestic currency overproduction, with M2 reaching 330 trillion, double that of the US and more than the combined total of Europe and Japan [2] - Despite the expectation of inflation, the economy is currently in a deflationary cycle, with CPI down 0.1% year-on-year in the first half of the year, indicating a trend of stable but declining prices [2] - The lack of rapid depreciation of currency is attributed to two main reasons: insufficient confidence among businesses and consumers leading to a shrinking loan market, and a weak real economy causing reduced consumer income and spending power [2] Group 2: Real Estate Market - Since 2022, domestic housing prices have entered a long-term adjustment phase, with declines observed in second and third-tier cities, and first-tier cities like Shanghai and Shenzhen also experiencing price drops [5][7] - In Shanghai, housing prices have fallen from over 90,000 yuan per square meter to over 60,000 yuan, a decline exceeding 30%, with expectations of further decreases as prices return to reasonable levels [5][7] - The decline in housing prices is driven by three factors: extensive real estate regulation since 2016, reduced consumer income and purchasing power, and a prolonged decline in prices leading to a lack of investment appeal [7] Group 3: Automotive Market - The automotive market is experiencing a price drop, with some models from brands like Honda and Chevrolet seeing reductions of over 60,000 yuan, while domestic brands like Geely and BYD are also engaging in price promotions [6][9] - Average price reductions in the automotive sector range from 20,000 to 30,000 yuan, with some models dropping from 220,000 yuan to 180,000 yuan, indicating a continuing price war in the coming years [6][9] - Factors contributing to the decline in automotive prices include an oversupply due to the influx of electric vehicles, reduced purchasing plans among middle-income consumers, and increased competition from tech companies entering the automotive sector [9]