estalvi
Estalvi is the Catalan noun for savings and the verb estalviar means to save. In economics, estalvi refers to the portion of income that is not spent on current consumption and that can be allocated to investment or held as financial assets. The concept applies at multiple levels: personal estalvi (household savings), corporate savings, and national saving, which equals private saving plus public saving.
The saving rate is a common macroeconomic indicator and is calculated as saving as a share of
Savings are typically placed in financial instruments such as bank deposits (savings accounts and time deposits),
Economically, higher estalvi can supply capital for investment and influence interest rates and growth. Conversely, low
Cautions: inflation can erode real value if returns lag inflation; inadequate diversification can raise risk; high