JAPAN PERSONAL SAVINGS SOAR IN 1986 Japanese personal savings grew 10.3 pct in 1986 from 1985 helped by a sharp increase in stock investments by individuals, the Bank of Japan said. Outstanding savings on December 31, 1986 totalled 545,303 billion yen. Funds in investment trusts alone totalled 21,918 billion yen, up 37.4 pct from a year earlier. The outstanding balance also included deposits at banks and post offices, up 7.4 pct to 337,867 billion yen, savings in the form of insurance, up 18.6 pct to 111,431 billion, corporate bond investments, up 7.8 pct to 46,867 billion, and investments in trust banks, up 4.1 pct to 27,220 billion.