Features of savings and investment behavior of households: structural changes and demographic influence

The article analyzes the most significant aspects of the formation and utilization of savings byRussian households, which play a key role in strengthening financial stability and stimulating economic growth.Particular emphasis is placed on examining these processes in the context of ongoing demographic changes inRussia, including population aging, a decline in the number of families with traditional structures, and anincreasing level of urbanization. The presented analysis covers the distribution of financial assets and liabilitiesof households, using data from federal districts, as well as the dynamics of key indicators such as income,expenses, and the extent of involvement in investment activities.