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Understanding Saving Behaviour in the UK: Evidence from the BHPS

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Author Info
Alesandra Guariglia () (Department of Economics, University of Essex, UK)

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Abstract

This paper uses the British Household Panel Study (BHPS) to analyse saving behaviour in the UK between 1991 and 1996. One objective is to assess whether respondents' saving decisions are dictated by precautionary considerations. It appears that various measures of risk based on earnings variability strongly affect these decisions, especially for those respondents whose labour income variability is higher than average. Moreover, respondents seem to save more if they expect their financial situation to deteriorate.

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File URL: http://www.essex.ac.uk/ilr/discussion/ILRdp026.pdf
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Publisher Info
Paper provided by Institute for Labour Research in its series ILR working papers with number 026.

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Length: 22
Date of creation: Sep 1998
Date of revision:
Handle: RePEc:esl:ilrdps:026

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Postal: Institute for Labour Research University of Essex, Wivenhoe Park Colchester, Essex CO4 3SQ UK
Phone: 44-1206-872957
Fax: 44-1206-872724
Web page: http://www.essex.ac.uk/ilr

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Postal: Institute for Labour Research University of Essex, Wivenhoe Park Colchester, Essex CO4 3SQ UK
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Web: http://www.essex.ac.uk/ilr/discuss/index.htm

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Related research
Keywords: Precautionary savings; Earnings variability;

Find related papers by JEL classification:
D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
D91 - Microeconomics - - Intertemporal Choice and Growth - - - Intertemporal Consumer Choice; Life Cycle Models and Saving
E21 - Macroeconomics and Monetary Economics - - Macroeconomics: Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

Cited by:
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  1. Atella Vincenzo & Furio C. Rosati & Maria C. Rossi, 2002. "Precautionary Saving And Health Risk.Evidence From The Italian Households Using A Time Series Of Cross Sections," Departmental Working Papers 159, Tor Vergata University, CEIS. [Downloadable!]
  2. Sayema H. Bidisha, . "Saving Behaviour of the Immigrants and Ethnic Minorities in the UK: Evidence from Panel Data," Discussion Papers 08/08, University of Nottingham, School of Economics. [Downloadable!]
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