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Not to be confused with Savings. This article has multiple issues. Please help improve it or discuss these issues on the talk page. This article needs additional citations for verification. Please help improve this article by adding citations to reliable sources. Unsourced material may be challenged and removed.
March The examples and perspective in this article may not represent a worldwide view of the subject. You may improve this articlediscuss the issue on the talk pageor create a new articleas appropriate. June Learn how and when to remove this template message Depositing change in a piggy bank is a frequently used savings strategy.
Saving is income not spent, or deferred consumption. Methods of saving include putting money aside in, for example, a deposit accounta pension accountan investment fundor as cash. In terms of personal financesaving generally specifies low-risk preservation of money, as in a deposit accountversus investmentwherein risk is a lot higher; in economics more broadly, it refers to any income not used for immediate consumption.
Saving differs from savings. Personal savings strategy former refers to the act of increasing one's assets, whereas the latter refers to one part of one's assets, usually deposits in savings accounts, or to all of one's assets. Saving refers to an activity occurring over time, a flow variable, whereas savings refers to something that exists at any one time, a stock variable.
This distinction is often misunderstood, and even professional economists and investment professionals will often refer to "saving" as "savings" for example, Investopedia confuses the two terms in its page on the "savings rate".
For example, the part of a person's income that is spent on mortgage loan principal repayments is not spent on present consumption and is therefore saving by the above definition, even though people do not always think of repaying a loan as saving.
However, in the U. Saving is closely related to physical investmentin that the former provides a source of funds for the latter. By not using income to buy consumer goods and services, it is possible for resources to instead be invested by being used to produce fixed capitalsuch as factories and machinery.
Saving can therefore be vital to increase the amount of fixed capital available, which contributes to economic growth.
However, increased saving does not always correspond to increased investment. If savings are not deposited into a financial intermediary such as a bankthere is no chance for those savings to be recycled as investment by business. This means that saving may increase without increasing investment, possibly causing a short-fall of demand a pile-up of inventories, a cut-back of production, employment, and income, and thus a recession rather than to economic growth.
In the short term, if saving falls below investment, it can lead to a growth of aggregate demand and an economic boom. In the long term if saving falls below investment it eventually reduces investment and detracts from future growth.
Future growth is made possible by foregoing present consumption to increase investment. However savings not deposited into a financial intermediary amount to an interest-free loan to the government or central bank, who can recycle this loan.
In a primitive agricultural economy savings might take the form of holding back the best of the corn harvest as seed corn for the next planting season.
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