Why the product became popular
An קופת גמל להשקעה allows you to save and invest within a managed fund, with the option of switching between investment tracks. It is intended for private money and not for mandatory pension deposits.
The main advantage is a combination of relative liquidity and professional management. The saver can choose a track according to the level of risk and update it throughout life.
What is important to know before opening
The fund has an annual deposit ceiling for each saver, and it changes from time to time according to the provisions of the law. In addition, profits are subject to tax at the time of capital withdrawal, subject to the rules.
It is also possible to receive the money as an allowance at retirement age under certain conditions. Therefore, the product can be suitable both as family savings and as an additional component for old age.
How to compare funds
It is not enough to choose the body with the highest yield in the last year. You need to check performance in several periods, risk deviation, management fees, tracks and service.
It is important to remember that past returns do not guarantee future returns. The goal is to choose a product that fits the character and purpose, not to chase who won last month.