Abstract
The article examines the relationship between certain public policy instruments and household savings based on the data of the State Statistics Service of Ukraine in order to identify the most effective instruments, namely: budget policy that directly affects the level of household income through transfers to households in need of social protection; . It has been determined that the effectiveness of public policy depends primarily on the coherence of its individual elements and the construction of an optimal ratio of factors affecting income, expenditures and the willingness of households to invest their own savings. It is found that the directions of the state policy necessary for the effective use of the investment potential of households should be aimed at: ensuring the participation of households in co-financing investment projects or programs; analyzing and adapting foreign experience in the domestic practice of using household savings, primarily the use of accumulative investment schemes (opening pension accounts, purchasing housing and business real estate, investing in education, etc.
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