Top destinations of the world for If residents of Bangladesh (average income per capita $1,050) cannot afford to save because they are on the margin of subsistence, then the same argument cannot be made about the residents of Zimbabwe (average income per capita $2,280), since they should be far above the subsistence level. Whether for this reason or for others, the opinion that there is something about being poor that lowers the saving rate is certainly intuitively appealing. Saving and policy. Governments can influence the private saving rates in a number of different ways. One of the most important ways is in setting up national pension plans. Programs such as Social Security in the United States, in which benefits to the elderly are primarily funded by taxes on those who are currently working, do not generate saving (and thus investment). By contrast, programs in which individuals fund their own retirements by saving during their working years generate a large quantity of capital. Top destinations of the world 2016.