Clal has 12 study funds, and they hold 38.5 billion shekels between them.
These are the returns, fees and assets of the Clal study 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 השתלמות מניות סחיר 814 million shekels
- כלל השתלמות אשראי ואג"ח עם מניות (עד 25% מניות) 556 million shekels
- כלל השתלמות אשראי ואג"ח 407 million shekels
- כלל השתלמות הלכה 375 million shekels
- כלל השתלמות עוקב מדדי מניות 324 million shekels
- כלל השתלמות משולב סחיר 268 million shekels
- כלל השתלמות כספי (שקלי) 201 million shekels
- כלל השתלמות עוקב מדדים גמיש 159 million shekels
- כלל השתלמות אג"ח סחיר 22.0 million shekels
Each dot is one fund, and the large dot is the average of them all.
Since the start of the year+6.98%
Average of 12 funds
Lowest fund: כלל השתלמות עוקב מדדים גמישHighest fund: כלל השתלמות מניות
3 years, yearly average+10.71%
Average of 8 funds
Lowest fund: כלל השתלמות עוקב מדדים גמישHighest fund: כלל השתלמות מניות
5 years, yearly average+7.25%
Average of 7 funds
Lowest fund: כלל השתלמות אשראי ואג"חHighest fund: כלל השתלמות מניות
Fee on savings0.52%
Average of 9 funds
Lowest fund: כלל השתלמות עוקב מדד S&P 500Highest fund: כלל השתלמות 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 study funds that reported for September 2026 are listed here.
- כלל השתלמות כלליgeneral
24.7 billion shekels
Fee 0.54%This year +8.59%5 years +8.18%
- כלל השתלמות מניותstocks
5.9 billion shekels
Fee 0.53%This year +14.07%5 years +12.17%
- כלל השתלמות עוקב מדד S&P 500S&P 500 index
4.8 billion shekels
Fee 0.48%This year +8.03%5 years +11.99%
- כלל השתלמות מניות סחירtraded stocks
814 million shekels
Fee –This year +12.07%5 years –
- כלל השתלמות אשראי ואג"ח עם מניות (עד 25% מניות)credit and bonds
556 million shekels
Fee 0.51%This year +4.86%5 years +4.46%
- כלל השתלמות אשראי ואג"חcredit and bonds
407 million shekels
Fee 0.54%This year +3.04%5 years +3.28%
- כלל השתלמות הלכהJewish law
375 million shekels
Fee 0.56%This year +6.71%5 years +6.97%
- כלל השתלמות עוקב מדדי מניותstock index tracking
324 million shekels
Fee 0.52%This year +11.34%5 years –
- כלל השתלמות משולב סחירmixed traded assets
268 million shekels
Fee –This year +7.93%5 years –
- כלל השתלמות כספי (שקלי)money market (shekel)
201 million shekels
Fee 0.52%This year +3.47%5 years +3.72%
- כלל השתלמות עוקב מדדים גמישflexible index tracking
159 million shekels
Fee 0.49%This year +0.80%5 years –
- כלל השתלמות אג"ח סחירtraded bonds
22.0 million shekels
Fee –This year +2.86%5 years –
Clal has funds of these kinds.
- Provident funds for benefits and severance35.8 billion shekels15 funds
- Investment provident funds5.0 billion shekels12 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 study funds are there?
12 Clal study funds reported for September 2026. Together they hold 38.5 billion shekels, and one more stopped reporting in the last three years.
What is the average fee of the Clal study funds?
The average fee on savings is 0.52% a year, over the 9 Clal study funds that report one. Every fund counts once, whatever its size.
Which of the Clal study funds has the highest return over 5 years?
כלל השתלמות מניות has the highest average yearly return over 5 years, +12.17%, of the 7 Clal study funds with a 5-year figure. The lowest is כלל השתלמות אשראי ואג"ח, with +3.28%. 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.