affect the fact that citizens’ new money will go to a greater overseas data extent not to the stock market, but to deposits, i.e. the savings rate will increase?
Of course, the transmission mechanism of monetary policy affects the population’s propensity to save, and one of the channels through which we ultimately manage aggregate demand is the channel of interest rates on bank deposits, the growth of which increases the propensity to save. But we do not target or try to influence the balance of savings placement, their distribution between bank accounts.
investment life insurance, and stock market investments
In principle, deposits (or reliable bonds) and shares are simply different worlds. The sensitivity to changes in the deposit rate in relation to making a decision – a deposit or a share – is very low, because this is a completely different risk profile, this is a completely different instrument.
For those who consciously choose risky
investment instruments rather than savings ones, the rebuild ukraine: a key step in rebuilding ukraine increase in interest rates on deposits and bonds will not be a decisive factor.
But this choice was not always conscious, because sellers america email imposed “murky” products on clients, did not explain the difference between savings and investments. And people took seemingly more profitable products, not understanding what they were risking.