קופת גמל להשקעה: understand before choosing
A savings product that allows you to choose an investment track and switch between tracks, while maintaining liquidity in accordance with the terms of the product and the provisions of the law.
What is the characteristic of a קופת גמל להשקעה?
The fund combines professional investment management with the option to choose between tracks at different risk levels. You can deposit on an ongoing or one-time basis, up to the relevant annual ceiling.
- Liquidity: Possibility of withdrawal according to the product conditions and tax consequences.
- A selection of tracks: Equity, general, bond and other investment tracks.
- Transition between tracks: Adjusting the level of risk along the way.
- Deposit limit: Updated, therefore checked against an official source.
Who might the product be suitable for?
For those who are looking for medium or long-term savings, want the money to be managed in a defined track and prefer the possibility of changing the track without managing a portfolio of securities themselves.
Before making a choice, it is important to define the purpose of the savings, the expected date of use of the money, the ability to deal with temporary declines and the total cost.
What is checked before joining?
- Compare tracks with similar policy and risk level.
- Looking at returns in several time frames and not just in the recent period.
- Check management fees, service, deposit and withdrawal options.
- Make sure that the track fits the horizon and the personal goal.
frequently asked questions
Is the money liquid?
As a rule, it can be withdrawn, subject to the terms of the product and the relevant tax consequences.
Is it possible to switch between tracks?
Usually yes. The exact conditions must be checked with the fund manager.
Is there a deposit limit?
Yes. The ceiling is updated from time to time, so you should check the latest figure in an official source.
The information is general only and does not constitute pension advice, investment advice, tax advice or a personal recommendation. Product terms and legal provisions may change.