Clal has 12 investment provident funds, and they hold 5.0 billion shekels between them.
These are the returns, fees and assets of the Clal investment provident funds in the Authority's report for September 2026. The list starts with the largest by assets, and the buttons above it sort it by any figure.
Each block is a fund, and its size is the money it holds.
- כלל גמל לעתיד כללי2.1 billion shekels
- כלל גמל לעתיד מניות1.3 billion shekels
- כלל גמל לעתיד עוקב מדד S&P 50016.9%
- כלל גמל לעתיד מניות סחיר 212 million shekels
- כלל גמל לעתיד אשראי ואג"ח עם מניות (עד 25% מניות) 177 million shekels
- כלל גמל לעתיד עוקב מדדי מניות 83.4 million shekels
- כלל גמל לעתיד משולב סחיר 81.2 million shekels
- כלל גמל לעתיד אשראי ואג"ח 56.8 million shekels
- כלל גמל לעתיד הלכה 53.3 million shekels
- כלל גמל לעתיד עוקב מדדים גמיש 28.6 million shekels
- כלל גמל לעתיד כספי (שקלי) 28.4 million shekels
- כלל גמל לעתיד אג"ח סחיר 7.0 million shekels
Each dot is one fund, and the large dot is the average of them all.
Since the start of the year+7.03%
Average of 12 funds
Lowest fund: כלל גמל לעתיד עוקב מדדים גמישHighest fund: כלל גמל לעתיד מניות
3 years, yearly average+10.71%
Average of 8 funds
Lowest fund: כלל גמל לעתיד עוקב מדדים גמישHighest fund: כלל גמל לעתיד מניות
5 years, yearly average+7.15%
Average of 7 funds
Lowest fund: כלל גמל לעתיד אשראי ואג"חHighest fund: כלל גמל לעתיד מניות
Fee on savings0.63%
Average of 9 funds
Lowest fund: כלל גמל לעתיד עוקב מדד S&P 500Highest fund: כלל גמל לעתיד הלכה
An average counts every fund once, whatever its size. Returns are before management fees, and past returns say nothing about future ones.
The 12 Clal investment provident funds that reported for September 2026 are listed here.
- כלל גמל לעתיד כלליgeneral
2.1 billion shekels
Fee 0.65%This year +8.37%5 years +7.96%
- כלל גמל לעתיד מניותstocks
1.3 billion shekels
Fee 0.64%This year +14.31%5 years +12.09%
- כלל גמל לעתיד עוקב מדד S&P 500S&P 500 index
847 million shekels
Fee 0.59%This year +8.01%5 years +12.01%
- כלל גמל לעתיד מניות סחירtraded stocks
212 million shekels
Fee –This year +12.49%5 years –
- כלל גמל לעתיד אשראי ואג"ח עם מניות (עד 25% מניות)credit and bonds
177 million shekels
Fee 0.63%This year +4.77%5 years +4.64%
- כלל גמל לעתיד עוקב מדדי מניותstock index tracking
83.4 million shekels
Fee 0.63%This year +11.39%5 years –
- כלל גמל לעתיד משולב סחירmixed traded assets
81.2 million shekels
Fee –This year +8.14%5 years –
- כלל גמל לעתיד אשראי ואג"חcredit and bonds
56.8 million shekels
Fee 0.64%This year +2.98%5 years +2.79%
- כלל גמל לעתיד הלכהJewish law
53.3 million shekels
Fee 0.65%This year +6.70%5 years +6.81%
- כלל גמל לעתיד עוקב מדדים גמישflexible index tracking
28.6 million shekels
Fee 0.61%This year +0.80%5 years –
- כלל גמל לעתיד כספי (שקלי)money market (shekel)
28.4 million shekels
Fee 0.61%This year +3.49%5 years +3.73%
- כלל גמל לעתיד אג"ח סחירtraded bonds
7.0 million shekels
Fee –This year +2.93%5 years –
Clal has funds of these kinds.
- Study funds38.5 billion shekels12 funds
- Provident funds for benefits and severance35.8 billion shekels15 funds
- Savings funds for a child2.9 million shekels4 funds
- Central severance funds2.2 billion shekels6 funds
- Pension funds199 billion shekels35 funds
- Insurance savings tracks106 billion shekels25 funds
1 fund stopped reporting in the last three years
These are the questions people ask about these funds.
How many Clal investment provident funds are there?
12 Clal investment provident funds reported for September 2026. Together they hold 5.0 billion shekels, and one more stopped reporting in the last three years.
What is the average fee of the Clal investment provident funds?
The average fee on savings is 0.63% a year, over the 9 Clal investment provident funds that report one. Every fund counts once, whatever its size.
Which of the Clal investment provident funds has the highest return over 5 years?
כלל גמל לעתיד מניות has the highest average yearly return over 5 years, +12.09%, of the 7 Clal investment provident funds with a 5-year figure. The lowest is כלל גמל לעתיד אשראי ואג"ח, with +2.79%. These returns are before management fees.
Are these returns before or after management fees?
They are before. The Authority states that the returns it reports are before the fund's management fees, so a saver's own return is lower by the fee on savings.
The figures are from the monthly reports of the Capital Market, Insurance and Savings Authority for September 2026, read on 5 November 2026. Returns are before management fees, and past returns say nothing about future ones.