== వ్యక్తిగతమైన పొదుపు ==
(Saving in personal finance)
Within [[personal finance]] the act of ''saving'' corresponds to nominal ''preservation'' of money for future use, although [[inflation]] can still erode its real value. A [[deposit account]] paying [[interest]] is typically used to hold money for future needs, ''i.e.'' an emergency fund, to make a capital purchase (car, house, vacation, etc.) or to give to someone else (children, tax bill etc.).
''Savings'' within personal finance refers to the accumulated money put aside by saving.
Within personal finance, money used to purchase [[shares]], put in a [[collective investment scheme]] or used to buy any asset where there is an element of capital risk is deemed an [[investment]]. This distinction is important as the [[investment risk]] can cause a capital loss when an investment is realised, unlike cash saving(s). Lower levels of risk normally apply to savings ''e.g.'' real value is lost when [[inflation]] exceeds [[interest]] rates, or in extreme cases loss can occur due to [[Bank#Bank crises|bank failure]].
In many instances the term saving and investment are used interchangeably which confuses this distinction. For example many [[deposit account]]s are labeled as ''investment accounts'' by banks for marketing purposes. To help establish whether an asset is saving(s) or an investment you should ask yourself, "where is my money invested?" If the answer is cash then it is savings, if it is a type of asset which can fluctuate in nominal value then it is investment.