Household Saving Rate in Germany increased to 11.20 percent in the fourth quarter of 2019 from 10.90 percent in the third quarter of 2019. Personal Savings in Germany averaged 11.99 percent from 1960 until 2019, reaching an all time high of 17.30 percent in the second quarter of 1975 and a record low of 7.80 percent in the first quarter of 1960. In Germany, Personal Savings correspond to the ratio of personal income saved to personal net disposable income during a certain period of time. This page provides the latest reported value for - Germany Personal Savings - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Household Saving Rate in Canada decreased to 3 percent in the fourth quarter of 2019 from 3.20 percent in the third quarter of 2019. Personal Savings in Canada averaged 7.57 percent from 1961 until 2019, reaching an all time high of 21.60 percent in the first quarter of 1982 and a record low of 0.30 percent in the first quarter of 2005. In Canada, personal saving is personal disposable income less personal expenditure on consumer goods and services, less current transfers from persons to corporations and to non-residents as a percent of disposable income. This page provides - Canada Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in France increased to 14.88 percent in the fourth quarter of 2019 from 14.78 percent in the third quarter of 2019. Personal Savings in France averaged 15.70 percent from 1950 until 2019, reaching an all time high of 21.82 percent in the fourth quarter of 1974 and a record low of 10.32 percent in the fourth quarter of 1987. In France, Households Savings correspond to the household income saved during a certain period of time. This page provides - France Households Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Australia decreased to 3.60 percent in the fourth quarter of 2019 from 4.80 percent in the third quarter of 2019. Personal Savings in Australia averaged 9.44 percent from 1959 until 2019, reaching an all time high of 20.30 percent in the second quarter of 1974 and a record low of -1.70 percent in the fourth quarter of 2002. In Australia, Households Savings correspond to the ratio of household income saved to household net disposable income during a certain period of time. This page provides - Australia Households Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in South Africa decreased to -0.20 percent in the fourth quarter of 2019 from -0.10 percent in the third quarter of 2019. Personal Savings in South Africa averaged 4.69 percent from 1960 until 2019, reaching an all time high of 23.80 percent in the second quarter of 1972 and a record low of -2.50 percent in the fourth quarter of 2013. In South Africa, household saving ratio refers to the income saved by household during a certain period of time. Based on current prices. This page provides the latest reported value for - South Africa Households Savings - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Household Saving Rate in the United Kingdom increased to 6.20 percent in the fourth quarter of 2019 from 5.20 percent in the third quarter of 2019. Personal Savings in the United Kingdom averaged 8.56 percent from 1955 until 2019, reaching an all time high of 15.20 percent in the second quarter of 1993 and a record low of -0.90 percent in the fourth quarter of 1958. In the United Kingdom, the saving ratio estimates the amount of money households and NPISH have available to save (known as gross saving) as a percentage of their total disposable income (known as total available resources). This page provides - United Kingdom Households Saving Ratio - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Italy decreased to 8.20 percent in the fourth quarter of 2019 from 8.90 percent in the third quarter of 2019. Personal Savings in Italy averaged 10.30 percent from 1999 until 2019, reaching an all time high of 13.50 percent in the second quarter of 2002 and a record low of 6.80 percent in the third quarter of 2012. This page provides the latest reported value for - Italy Personal Savings - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Household Saving Rate in Netherlands increased to 16.13 percent in the fourth quarter of 2019 from 9.63 percent in the third quarter of 2019. Personal Savings in Netherlands averaged 12.26 percent from 1999 until 2019, reaching an all time high of 28.38 percent in the second quarter of 2009 and a record low of 1.97 percent in the first quarter of 2008. In Netherlands, Personal Savings correspond to the personal income saved during a certain period of time. This page provides - Netherlands Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Spain increased to 12.91 percent in the fourth quarter of 2019 from -1.26 percent in the third quarter of 2019. Personal Savings in Spain averaged 7.73 percent from 1999 until 2019, reaching an all time high of 20.14 percent in the second quarter of 2009 and a record low of -6.74 percent in the first quarter of 2008. In Spain, Personal Savings correspond to the income saved by persons during a certain period of time. This page provides - Spain Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate In the Euro Area remained unchanged at 13.04 percent in the fourth quarter of 2019 from 13.04 percent in the third quarter of 2019. Personal Savings in the Euro Area averaged 12.83 percent from 1999 until 2019, reaching an all time high of 14.18 percent in the first quarter of 1999 and a record low of 11.43 percent in the first quarter of 2018. This page provides the latest reported value for - Euro Area Personal Savings - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Household Saving Rate in the United States increased to 13.10 percent in March from 8 percent in February of 2020. Personal Savings in the United States averaged 8.82 percent from 1959 until 2020, reaching an all time high of 17.30 percent in May of 1975 and a record low of 2.20 percent in July of 2005. In the United States, Personal Saving Rate correspond to the ratio of personal income saved to personal net disposable income during a certain period of time. This page provides - United States Personal Savings Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Mexico remained unchanged at 21.20 percent in 2019 from 21.20 percent in 2018. Personal Savings in Mexico averaged 22 percent from 2003 until 2019, reaching an all time high of 25.70 percent in 2006 and a record low of 19.80 percent in 2014. This page provides - Mexico Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Ireland increased to 11.50 percent in the fourth quarter of 2019 from 10.70 percent in the third quarter of 2019. Personal Savings in Ireland averaged 8.67 percent from 1999 until 2019, reaching an all time high of 15.40 percent in the third quarter of 2009 and a record low of -1 percent in the second quarter of 1999. In Ireland, the derived gross saving ratio expresses saving as a percentage of gross disposable income. Seasonally adjusted estimates of Household Saving are compiled using the indirect seasonal adjustment approach. Under this approach the two main aggregates, Household Disposable Income and Final Consumption Expenditure of Households, are independently adjusted. The derived saving is the difference between the two adjusted series of Household Disposable Income and Final Expenditure of Households. This method for estimating the seasonally adjusted value for a small net residual of two large aggregates, such as Household Saving, is considered to be a more appropriate estimation procedure, according to the CSO. This page provides - Ireland Gross Household Saving Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Croatia decreased to 8.95 percent in the fourth quarter of 2016 from 17.90 percent in the third quarter of 2016. Personal Savings in Croatia averaged 10.29 percent from 2002 until 2016, reaching an all time high of 19.98 percent in the third quarter of 2015 and a record low of -5.18 percent in the fourth quarter of 2007. This page provides - Croatia Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Czech Republic increased to 14.65 percent in the fourth quarter of 2019 from 11.54 percent in the third quarter of 2019. Personal Savings in Czech Republic averaged 11.44 percent from 1999 until 2019, reaching an all time high of 15.69 percent in the fourth quarter of 2009 and a record low of 7.23 percent in the third quarter of 2001. This page provides - Czech Republic Personal and Households Deposits - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Slovenia increased to 10.29 percent in the fourth quarter of 2019 from 8.85 percent in the third quarter of 2019. Personal Savings in Slovenia averaged 12.69 percent from 2005 until 2019, reaching an all time high of 18.93 percent in the fourth quarter of 2006 and a record low of 5.15 percent in the third quarter of 2011. This page provides - Slovenia Gross Household Saving Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Personal Savings in Tunisia increased to 1306 TND THO in March from 1304 TND THO in February of 2020. Personal Savings in Tunisia averaged 931.11 TND THO from 1994 until 2020, reaching an all time high of 1323 TND THO in December of 2019 and a record low of 279 TND THO in January of 1994. In Tunisia, Households Savings correspond to the household income saved during a certain period of time. This page provides - Tunisia Households Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Bank Lending Rate in Peru decreased to 0.67 percent in April from 0.71 percent in March of 2020. Bank Lending Rate in Peru averaged 6.29 percent from 1992 until 2020, reaching an all time high of 58.30 percent in February of 1992 and a record low of 0.45 percent in April of 2014. In Peru, the bank savings rate is the average rate of interest on savings deposits paid by commercial banks to private individuals and companies. This page provides - Peru Bank Savings Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Sweden decreased to 12.10 percent in the fourth quarter of 2019 from 13.85 percent in the third quarter of 2019. Personal Savings in Sweden averaged 8.95 percent from 1980 until 2019, reaching an all time high of 30.30 percent in the second quarter of 2019 and a record low of -10.99 percent in the fourth quarter of 1989. This page provides - Sweden Gross Household Saving Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Finland increased to 1.10 percent in the fourth quarter of 2019 from -0.80 percent in the third quarter of 2019. Personal Savings in Finland averaged 0.98 percent from 1999 until 2019, reaching an all time high of 7.70 percent in the first quarter of 2002 and a record low of -6.10 percent in the second quarter of 2002. In Finland, the saving rate refers to the proportion of savings in disposable income. This page provides - Finland Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Personal Savings in Philippines increased to 4965843.77 Million PHP in February from 4945889.93 Million PHP in January of 2020. Personal Savings in Philippines averaged 2346899.93 Million PHP from 2001 until 2020, reaching an all time high of 4965843.77 Million PHP in February of 2020 and a record low of 1124351.04 Million PHP in April of 2005. In Philippines, Personal Saving Rates correspond to the interest rate persons receive on their savings deposits during a certain period of time. This page provides - Philippines Personal Saving Rates - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Norway increased to 9 percent in the fourth quarter of 2019 from 7.70 percent in the third quarter of 2019. Personal Savings in Norway averaged 6.31 percent from 2002 until 2019, reaching an all time high of 12.90 percent in the second quarter of 2005 and a record low of -2 percent in the second quarter of 2006. In Norway, Personal Savings correspond to the personal income saved during a certain period of time. This page provides - Norway Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Personal Savings in Slovakia increased to 2308 EUR Million in the fourth quarter of 2019 from 1399 EUR Million in the third quarter of 2019. Personal Savings in Slovakia averaged 713.87 EUR Million from 1995 until 2019, reaching an all time high of 2308 EUR Million in the fourth quarter of 2019 and a record low of 141 EUR Million in the first quarter of 1995. In Slovakia, Households Savings correspond to income saved during a certain period of time. This page provides - Slovakia Households Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Hong Kong remained unchanged at 0 percent in April from 0 percent in March of 2020. Personal Savings in Hong Kong averaged 2.83 percent from 1973 until 2020, reaching an all time high of 13.21 percent in October of 1981 and a record low of 0 percent in February of 2004. This page provides - Hong Kong Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Personal Savings in Bangladesh increased to 5138.92 BDT Billion in 2018 from 5004.60 BDT Billion in 2017. Personal Savings in Bangladesh averaged 1561.19 BDT Billion from 1994 until 2018, reaching an all time high of 5138.92 BDT Billion in 2018 and a record low of 177.40 BDT Billion in 1994. This page provides - Bangladesh Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Consumer Confidence Savings Expectations in European Union increased to -0.40 in June from -1.50 in May of 2017. Consumer Confidence Savings Expectations in European Union averaged -7.18 from 1985 until 2017, reaching an all time high of 2.20 in April of 2001 and a record low of -16.60 in February of 1985. This page includes a chart with historical data for European Union Consumer Confidence Savings Expectations.

Household Saving Rate in European Union increased to 10.51 percent in the fourth quarter of 2019 from 10.46 percent in the third quarter of 2019. Personal Savings in European Union averaged 11.26 percent from 1999 until 2019, reaching an all time high of 13.19 percent in the fourth quarter of 2009 and a record low of 9.21 percent in the second quarter of 2017. This page provides - European Union Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

National Savings in Kenya increased to 11 percent in 2014 from 10 percent in 2013. Personal Savings in Kenya averaged 12.54 percent from 2004 until 2014, reaching an all time high of 14.80 percent in 2008 and a record low of 10 percent in 2013. Personal Savings in Kenya is reported by the Kenya National Bureau of Statistics. In Kenya, national savings ratio refers to the national gross savings as a ratio to disposable income. This page provides the latest reported value for - Kenya Personal Savings - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Household Saving Rate in Denmark decreased to 4.60 percent in the fourth quarter of 2019 from 7.29 percent in the third quarter of 2019. Personal Savings in Denmark averaged 7.26 percent from 1999 until 2019, reaching an all time high of 16.14 percent in the first quarter of 2015 and a record low of -2.95 percent in the fourth quarter of 2014. In Denmark, Personal Savings correspond to the total personal income saved during a certain period of time. This page provides - Denmark Personal Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Japan decreased to 17.10 percent in March from 28.30 percent in February of 2020. Personal Savings in Japan averaged 12.02 percent from 1963 until 2020, reaching an all time high of 59.20 percent in December of 2019 and a record low of -9.90 percent in May of 2012. In Japan, Workers' Households Ratio of Net Savings and Insurance corresponds to the ratio of income saved to net disposable income during a certain period of time. From Jan 2000 data, the survey includes agricultural, forestry and fisheries households. This page provides - Japan Workers Savings - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Consumer Confidence Savings Expectations in Albania decreased to -37.88 in the fourth quarter of 2017 from -35.07 in the third quarter of 2017. Consumer Confidence Savings Expectations in Albania averaged -42.75 from 2003 until 2017, reaching an all time high of -25.79 in the second quarter of 2015 and a record low of -57.85 in the fourth quarter of 2003. This page includes a chart with historical data for Albania Consumer Confidence Savings Expectations.

Household Saving Rate in Sri Lanka increased to 21.20 percent in 2018 from 15.20 percent in 2017. Personal Savings in Sri Lanka averaged 19.83 percent from 2003 until 2018, reaching an all time high of 27.20 percent in 2012 and a record low of 13.90 percent in 2008. In Sri Lanka, Households Savings Ratio correspond to the ratio of household income saved to household net disposable income during a certain period of time. This page provides - Sri Lanka Households Savings Ratio - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Household Saving Rate in Austria increased to 12.86 percent in the fourth quarter of 2019 from 9 percent in the third quarter of 2019. Personal Savings in Austria averaged 14.54 percent from 1999 until 2019, reaching an all time high of 22.44 percent in the first quarter of 1999 and a record low of 5.49 percent in the fourth quarter of 2000. This page provides - Austria Gross Household Saving Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Some experts say variable annuities are too complicated and offer a poor deal for consumers 

Could Isas overtake pensions as the UK's tax-saving vehicle of choice? The tax benefits of pensions have been steadily eroded over the past decade but at the same time, Isas have been coming into their own. Most people approaching retirement today will rely on a combination of pensions and Isa income. In this week's show, FT Money Show presenter Claer Barrett takes a break from covering the coronavirus and what it means for your money, and interviews the FT's Money Mentor columnist about why investors like Isas so much and how these investments compare to pensions. 

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Getty ImagesThe author is not pictured.I've had a little extra cash in my pocket since quarantine started - I'm saving money on rideshares, restaurants, travel, and more.Instead of keeping that money, though, I'm spending it on businesses I hope will stay open post-COVID. I've bought art, paid for online classes at a local gym, and pre-paid for an appointment with my hair stylist.I've decided not to save the extra money because my emergency fund is in good shape.Read more personal finance coverage.As the economy grinds to a halt in the wake of the coronavirus, I've found myself in the strange position of having a little extra cash on hand that I'm not accustomed to. For a little bit of context: I'm a freelance writer who's worked from home since 2015, and my industry has yet to be heavily