Home  Journals  National Interests: Priorities and Security  5(458) - 2026 May

Savings and investment behavior of Russian households

Received: 14 January 2026

Accepted: 28 January 2026

Available online: 28 May 2026

Subject Heading: ECONOMIC SECURITY

JEL Classification: C45, D14, E21, G51, G28

Pages: 55-67

https://doi.org/10.24891/ohwamq

Subject. This article focuses on the savings and investment behavior of Russian households.
Objectives. The study aims to conduct a comprehensive analysis of the investment behavior of Russian households to identify structural shifts, and assess their impact on the internal stability of the economy.
Methods. For the study, I used the methods of structural and dynamic analyses in combination with artificial neural networks, and cluster analysis to identify stable behavioral patterns.
Results. The article identifies a qualitative transformation in the financial behavior of Russian households. It also uncovers complex nonlinear dependencies and identifies recurring behavioral patterns associated with phases of the economic cycle and external shocks.
Conclusions. There are deep contradictions between favorable aggregated indicators and financial polarization, where progressive trends are characteristic only of a part of the population, creating significant macrofinancial risks and requiring selective regulation. The study's results are applicable to the development of monetary, macroprudential, and social policies that strengthen financial resilience and reduce systemic risks.

Keywords: households, investment, behavior, polarization, savings

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