National Savings Rate

The Hindu Business Line  Jul 2  Comment 
The Finance Ministry has further cut the interest rates on small saving schemes such as the Public Provident Fund (PPF) and the Kisan Vikas Patra (KVP) by another 10 basis points. The new rates, not...
MarketWatch  Jun 16  Comment 
If you’re not saving at least 12% of your pretax pay for retirement, you’re likely not saving enough
The Hindu Business Line  Mar 31  Comment 
The government has lowered the interest rates on small savings schemes like PPF, Kisan Vikas Patra and Sukanya Small saving schemes such as Public Provident Fund and Kisan Vikas Patra will earn le...
Motley Fool  Oct 3  Comment 
We're doing a better job of saving money, but it's not good enough yet.
The Economic Times  Sep 2  Comment 
Domestic savings are required to fund investment, which otherwise must be financed with foreign capital.  Apr 29  Comment 
WASHINGTON (dpa-AFX) - With personal income rising faster than personal spending, the Commerce Department released a report on Friday showing that the U.S. personal savings rate jumped to its highest level in over a year in the month of...
The Hindu Business Line  Apr 3  Comment 
Set aside a chunk of your incremental income first and spend only the rest
The Economic Times  Mar 22  Comment 
Govt's move to slash interest rates on all small saving schemes will pave the way for a market linked interest rate structure and enable faster monetary transmission.
The Times of India  Mar 21  Comment 
Experts warn of more pain for small savings investors as the government is going to align interest rates on small savings products on a quarterly basis now.


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National Savings Rate is the percentage of GDP that is saved by households across a country. Household saving is one of the primary sources of capital investment in the country. Thus, this rate can be used as an indicator for long term economic growth.

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Household Savings Rate for developed nations[1]

The graph above shows the historical trend in savings rate in developed countries. The differences in the rates occur due to the age of the working population, the amount of old age pension and insurance provided by the government. The age of the population is significant because the older and retired use their savings more than the younger, working population. Moreover old age pension and insurance provided by the state allows the population to spend rather than save more.

The Bureau of Economic Analysis publishes the Personal Savings rate as a National Economic Indicator on a quarterly basis.

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Personal Savings Rate in the US[2]


  1. Household saving rates for selected countries
  2. Bureau of Economic Analysis
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