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Conceptual Approaches to the Transformation of Household Savings into Investment

The article is aimed at substantiating the conceptual principles of transformation of household savings into investments to activate economic processes. It is proved that the transformation of organized household savings into investments is a process of accumulating the savings and turning them into working assets through financial market instruments on the basis of assessment of both profitability and risks. It is noted that investments are exclusively organized savings, which are being accumulated on the accounts of financial institutions, banks, insurance companies, non-state pension funds, collective investment institutions, credit unions, which are attracted through the banking and parabank systems on the basis of order of priority, payment of interest, and riskiness. The article argues that the savings-investment behavior of households has changed significantly in the context of the COVID-19 pandemic. It is specified that the most attractive for households is the growth of financial assets in the form of deposits in banks of Ukraine in both national and foreign currencies, as well as the tendency to reduce long-term investment resources for terms up to two years and over two years. The conceptual principles of transformation of household savings into investments, which will allow to solve the declared tasks, are proposed, which is based on clearly defined principles and is directed towards achieving the economic and social effectiveness. Prospects for further research in this area are the substantiation of mechanisms for the formation of long-term investment resources of households and their involvement in financial assets in the context of risk assessment and systematization. It is necessary to develop a methodological instrumentarium for assessing profitability and risks to activate the savings-investment behavior of households, taking into account the alternative investments and their diversification as to various instruments of the financial market.