Comparison of קופות גמל להשקעה
The way to get a better picture is to compare similar tracks, examine several time frames and add risk, costs and service to the return.
How do you make a fair comparison?
First choose a track category. Compare an equity track with other equity tracks, and a general track with tracks that have similar policies. This puts differences in returns into context.
- Choose a period that suits the savings horizon.
- Compare at least two other periods.
- Check if the performance is consistent or depends on an unusual period.
- Add management and service fees to the image.
What should not be done?
Don't choose a pot just because it was the first in the last month or year. A short rating can change quickly, and sometimes reflects higher risk taking.
Also frequent transition due to a changing table may move the savings away from the goal. Comparison is intended to support an orderly decision, not to create a chase after first place.
Checklist before making a decision
- What is the purpose of the savings and when will the money be needed?
- What is the level of volatility that can be absorbed?
- Does the track correspond to the desired level of risk?
- What are the actual management fees and terms?
- Does the fund manager provide accessible information and service?
frequently asked questions
How do you compare the boxes?
Compare similar tracks according to several periods, risk, costs and service.
What is more important: yield or management fees?
Both are part of the result. You need to understand how the yield is presented and check the actual cost.
How often should you check?
Periodically and especially when the goal, the horizon or the desired level of risk change.
The information is general only and does not constitute pension advice, investment advice, tax advice or a personal recommendation. Past returns are no guarantee of future returns.