In Romania, after a careful study of the saving process and the analysis of the determinant factors, it could be highlighted a number of ways of population savings. Because the permanent correlation of income and expenditure by business entities is not part of the economic and social reality, issue of placement of saved income rises, in certain periods of time, and also making use of investments in previous periods, in which case the need to use the savings appears. It is important to make distinction between the different possible allocations of savings, because depending on their destination, the economic effects are radically different.