Savers
Savers are individuals or households who allocate a portion of their income to accumulate financial assets rather than spend it all on current consumption. Saving builds resources for future needs, emergencies, risk management, retirement, education, and wealth or bequest goals. Common saving pathways include bank deposits, government or corporate bonds, mutual funds, stocks, and retirement or pension accounts, as well as other liquid or semi-liquid assets.
Motivations and behavior vary. Decisions to save are influenced by income, job stability, expectations about future
Types and instruments. Saving can be precautionary, to cover unexpected expenses; retirement saving through pension schemes
Macro role and measurement. On an aggregate level, household saving contributes to a nation’s savings rate,
Limitations and risks. While saving supports future security, too much emphasis on saving can dampen current