Abstract
In the modern world, investments are the most important means that create conditions for the economic development of the country, introduce latest technologies (including digital ones that are popular today) and increase the quantitative and qualitative indicators of economic activity at the micro and macro levels. Inclusion of investors with small savings in the investment process is a paramount task, because they can provide the country's economy with significant investment resources. Household savings determine supply in the financial market, which, in turn, is linked to consumer spending. Due to the constant interest in investment and consumption - two basic components of total expenditure in the economy - it seems possible to approach the issue of their best distribution through economic and mathematical modeling. The article considered the model of optimal distribution of capital and consumption in the presence of a budget limits and provides its qualitative analysis using the apparatus of the theory of optimal control.
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