Who is it relevant to?
Self-employed deposits are mainly relevant for the self-employed, for those with an income that is not sufficiently covered by pension savings, and sometimes also for employees who want to supplement savings in accordance with the rules.
Depositing for a pension or a קרן השתלמות is not just an action at the end of the year. It is part of flow planning, tax, insurance and future savings.
What do you check before depositing?
It is important to check deposit ceilings, possible eligibility for tax benefits, management fees, investment path and liquidity. The ceilings and rules may change, so current data should be checked against the official sources.
The self-employed should also pay attention to the insurance aspect of the pension savings: not only how much money has been accumulated, but what coverages are available and what is suitable for the family and professional situation.
How to plan correctly
You should plan deposits throughout the year and not just at the last minute. This way you can maintain a more comfortable flow, choose a track without pressure and make adjustments if the income changes.
Before making a significant deposit, it is recommended to check with an accountant, tax advisor or pension license holder, especially when there are several sources of income or existing products.