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Journal Article
Cross-country personal saving rates
Guidolin, Massimo; La Jeunesse, Elizabeth A. (2006-05)
National Economic Trends , Issue May

Journal Article
Are we investing too little?
Browne, Lynn E.; Hellerstein, Rebecca (1997-11)
One of the most disappointing features of U.S. economic performance over the past 20 years has been the slowing of growth in productivity and, as a result, in real incomes. For many, the explanation can be found in the low U.S. saving rate. Since the mid 1980s, national saving has averaged just over 15 percent of GDP, compared to more than 20 percent during the 1970s. Thus, one plausible explanation for slow productivity growth, at least in recent years, could be that our low saving rate is constraining investment and thereby depriving the nation of both the tools and the technologies that ...
New England Economic Review , Issue Nov , Pages 29-50

Journal Article
A wealth effect
anonymous (2000-04)
EconSouth , Volume 2 , Issue Q2 , Pages 2-6

Working Paper
Benchmark revisions and the U.S. personal saving rate.
Stark, Tom; Nakamura, Leonard I. (2005)
Initially published estimates of the personal saving rate from 1965 Q3 to 1999 Q2, which averaged 5.3 percent, have been revised up 2.8 percentage points to 8.1 percent, as we document. We show that much of the initial variation in the personal saving rate across time was meaningless noise. Nominal disposable personal income has been revised upward an average of 8.4 percent: one dollar in 12 was originally missing! We use both conventional and real-time estimates of the personal saving rate to forecast real disposable income, gross domestic product, and personal consumption and show that the ...
Working Papers , Paper 05-6

Journal Article
Retirement savings and decision errors: lessons from behavioral economics
Daly, Mary C.; Armour, Philip (2008)
Long gone are the days when most American workers could rely on their employers to manage their retirement savings. Today, most people handle their retirement portfolios themselves, gaining the right and responsibility to determine their own best strategies. Research on retirement planning suggests, however, that many fall short of consensus targets for optimal savings and investment. While part of the shortfall is explained by information gaps and income constraints, research in behavioral economics suggests that "decision errors," arising out of human tendencies such as procrastination, ...
FRBSF Economic Letter

Working Paper
Household portfolios in the United States
Bertaut, Carol C.; Starr-McCluer, Martha (2000)
This paper investigates the composition of households' assets and liabilities in the United States. Using aggregate and survey data, we document major trends in household portfolios in the past 15 years. We show that, despite the broad array of financial products available, the portfolio of the typical household remains fairly simple and safe, consisting of a checking account, savings account, and tax-deferred retirement account; in 1998, less than half of all households owned some form of stock. We use pooled data from the Survey of Consumer Finances to investigate determinants of portfolio ...
Finance and Economics Discussion Series , Paper 2000-26

Working Paper
Saving and growth under borrowing constraints explaining the \"high saving rate\" puzzle
Wen, Yi (2009)
Empirical evidence suggests that fast-growing economies tend to have not only high saving rates but also low interest rates. This evidence is difficult to reconcile with standard explanations about the positive linkages between saving and growth. These explanations rely either on high saving to explain high growth or on high growth to explain high saving; but in either case, they must imply and depend on high interest rates to induce high saving rates. Hence, the real puzzle is why households would save excessively to finance firms? investment when the interest rate on their savings is so ...
Working Papers , Paper 2009-045

Report
Explaining international differences in the cost of capital: the United States and United Kingdom versus Japan and Germany
Zimmer, Steven A.; McCauley, Robert N. (1989)
Research Paper , Paper 8913

Working Paper
Buffer stock saving and the permanent income hypothesis
Carroll, Christopher D. (1991)
Working Paper Series / Economic Activity Section , Paper 114

Journal Article
How worrisome is a negative saving rate?
Steindel, Charles (2007-05)
The U.S. personal saving rate's negative turn in 2005 has raised concerns that Americans may have to curtail their spending and accept a lower standard of living as they pay off rising debts. However, a closer look at saving trends suggests that the risks to household well-being are overstated. The surge in energy costs may have temporarily dampened saving, while the accounting of household income from stock holdings may be skewing saving estimates. Moreover, broad measures of saving have remained positive, and household wealth is on the rise.>
Current Issues in Economics and Finance , Volume 13 , Issue May

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