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The influence of age on household savings behaviours and motives: Evidence from Spain

  • Fernando Lera Lopez

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    The role which savings play in the economy is beyond the scope of discussion. Hence, the prolonged fall of the family savings rate has caused great worry in developed countries. In Spain, this situation is especially serious with falls beyond the family savings rate. In this context it is absolutely necessary try to understand what the reasons are for savings and what are the variables which have a determined influence on savings. This paper intends to define the socio-demographic variables which determine the behaviour, from an analysis of an average inhabitant of Navarre in terms of financial savings. According to a survey of 1,000 people in Navarre, it is shown that the age can explain not only the savings behaviour of families but also the motives and attitudes. Moreover, the defining capacity and differential of the age in the behaviour of average citizens of Navarre is reflected primarily in the savings motives of particular citizens of Navarre. Similarly, taking into account the savings motives, the authorities can apply appropriate policies in order to increase the level of family savings and achieve sustainable growth in a time of macroeconomics magnitudes.

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    File URL: http://www-sre.wu-wien.ac.at/ersa/ersaconfs/ersa98/papers/136.pdf
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    Paper provided by European Regional Science Association in its series ERSA conference papers with number ersa98p136.

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    Date of creation: Aug 1998
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    Handle: RePEc:wiw:wiwrsa:ersa98p136
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    1. Simon Kuznets, 1946. "National Income: A Summary of Findings," NBER Books, National Bureau of Economic Research, Inc, number kuzn46-2, August.
    2. W. G. Gale & J. K. Scholz, . "Intergenerational transfers and the accumulation of wealth," Institute for Research on Poverty Discussion Papers 1019-93, University of Wisconsin Institute for Research on Poverty.
    3. Hurd, Michael D. & Lee, Hoe-Kyung, 1997. "Tests of the Permanent Income-Life Cycle Hypothesis Based on Household-Level Panel Data from Korea," Journal of the Japanese and International Economies, Elsevier, vol. 11(1), pages 105-122, March.
    4. Hurd, Michael D, 1987. "Savings of the Elderly and Desired Bequests," American Economic Review, American Economic Association, vol. 77(3), pages 298-312, June.
    5. Feldstein, Martin S, 1974. "Social Security, Induced Retirement, and Aggregate Capital Accumulation," Journal of Political Economy, University of Chicago Press, vol. 82(5), pages 905-26, Sept./Oct.
    6. Maddison, Angus, 1992. " A Long-Run Perspective on Saving," Scandinavian Journal of Economics, Wiley Blackwell, vol. 94(2), pages 181-96.
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