Comparing קופות גמל correctly
Yield is only part of the picture. A good comparison also examines the type of track, the level of risk, the consistency of performance, the management fees and the service.
What is important to compare in a קופת גמל?
For the comparison to be useful, start with tracks that have a similar investment policy. A comparison between an equity track and a conservative track may create a misleading conclusion, because the risk levels are different.
- Return in several periods: short, medium and long.
- Risk level: Volatility and composition of the assets in the track.
- Management fees: The cumulative cost affects over years.
- Consistency: Is the result based on one exceptional period.
- Service and accessibility: Clear information, personal area and availability.
A three-step comparison process
- Choose the type of קופת גמל and the appropriate track for the desired risk level.
- Compare returns of similar tracks over several periods, not by a single month or year.
- Check management fees, service and compatibility with the time when you are expected to need the money.
The comparison data is a starting point. A personal decision should take into account age, goals, investment horizon and other savings.
frequently asked questions
According to which period should you compare returns?
It is useful to examine several periods and compare only tracks with a similar policy and level of risk.
Is the leading jackpot always the right choice?
No. A high return can come along with a higher risk, so check the full picture.
Do past returns guarantee future returns?
No. Past returns do not guarantee future performance.
The information is general only and does not constitute pension advice, investment advice, tax advice or a personal recommendation. The data may change and should be checked against the official sources and with an appropriate license.