Guides and definitions

Plain-language explanations of provident funds, study funds, pension funds and management fees, so you know what you are comparing.

Keren Hishtalmut (study fund)
A full guide to Keren Hishtalmut, Israel's tax-advantaged study fund: how it works, the tax breaks, the six-year rule, investment tracks, fees and how to compare.
Kupat Gemel (provident fund)
A full guide to Kupat Gemel, Israel's provident fund: how it works, the 2008 reform, tax benefits, withdrawal as an annuity, investment tracks, fees and comparison.
Keren Pensia (pension fund)
A full guide to Keren Pensia, Israel's main pension fund: how saving and insurance combine, comprehensive vs general funds, contributions, fees and how to compare.
Dmey Nihul (management fees)
A full guide to Dmey Nihul, the management fees on Israeli provident, study and pension funds: the two fee types, the legal caps, how they compound and how to lower them.