National Savings Rate

The Economic Times  Aug 15  Comment 
The decline was primarily due to the shocks from note-ban and GST implementation, said a report by India Ratings.
Reuters  Jul 25  Comment 
Britain's financial watchdog said it was proposing a basic interest rate for older cash savings accounts because the market was not working well for longstanding customers.
Motley Fool  Jun 1  Comment 
We’re all trying to set aside money and assets for the future, but what parts of our spending should also count as saving?
MarketWatch  Jan 29  Comment 
Uh-oh: Americans have slashed their savings to a 12-year low, leaving them with smaller rainy-day funds to weather another economic tempest. Or have they?
MarketWatch  Jan 29  Comment 
U.S. household savings rate falls to 2.4%, its lowest level since 2005
The Economic Times  Jan 11  Comment 
By continuing the reduction in rates, the government is giving in to a “financial market populist” demand.
Wall Street Journal  Dec 22  Comment 
Americans spent more and saved less in November, a sign that low unemployment, robust consumer confidence, the prospect of tax cuts and buoyant financial markets are underpinning a strong holiday shopping season.
Wall Street Journal  Oct 30  Comment 
Heard on the Street: Americans’ low rate of personal saving is remarkable and a return to a higher level could be unpleasant for investors.


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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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