Dynamics of the investment and saving activity of the Russian population

The article analyses the investment and saving activity of population, the dynamics, forms and purpose of savings, as well as the forms of investments and investment instruments. The modern trends in development of the Russian financial market indicate that growth of the population well-being, strengthening of the financial infrastructure and implementation of the state measures for households’ support are not sufficient for changing the prevailing models of the households’ investment and saving behaviour. In this regard, of great interest and practical importance become the issues connected with identifying dominant factors of households’ savings formation, the reasons for transformation of savings into investments, as well as modeling of the investment and saving behavior of the population in whole. As a result of the analysis of the investment and saving activity of population, the author identified major problems connected with the low level of this activity and proposed a number of solutions that will make it possible to improve the financial situation of population and the state of the national economy as a whole.