Keren Hishtalmut (Study Fund)
Israel's most tax-advantaged vehicle: tax-deductible contributions, fully tax-free growth, liquid after 6 years. Every salaried employee should max it to the cap.
Gemel Lehashkaa (Investment Provident Fund)
Free contributions up to ~₪106k/year, liquid anytime (25% gains tax at withdrawal), fully tax-free after 15 years. The natural home for money beyond Keren Hishtalmut.
Category
Pension & Savings
Hebrew
קופת גמל להשקעה
English
Gemel Lehashkaa (Investment Provident Fund)
Related terms
Capital Gains Tax
In Israel: 25% on securities gains (30% above a large threshold). Key: tax is due only upon sale — as long as you hold, you owe nothing.
All terms in this category
Keren Hishtalmut (Study Fund)Pension FundPension Management FeesManagers Insurance (Bituach Minahalim)
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