<prompt> Translate the following text to EnglishHata hivyo, wachambuzi wengine wanasema kwamba ikiwa uchumi unafanya kazi chini ya kiwango cha juu cha akiba, akiba inaweza kuongezeka bila kupunguza viwango vya soko vya kurudi na hivyo kutoa uboreshaji mkubwa kwa mapato ya baadaye.  <response>: Other analysts point out, however, that if the economy is operating below the optimal saving rate, saving can rise without overly depressing market rates of return and, therefore, provide significant improvement to future incomes. 