Harel has 16 study funds, and they hold 37.4 billion shekels between them.
These are the returns, fees and assets of the Harel 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.
- הראל השתלמות כללי16.0 billion shekels
- הראל השתלמות - עוקב מדד S&P 5007.9 billion shekels
- הראל השתלמות מסלול מניות15.6%
- הראל השתלמות אשראי ואג"ח עם מניות (עד 25% מניות) 2.5 billion shekels
- הראל השתלמות מניות סחיר 2.1 billion shekels
- הראל השתלמות מסלול הלכה 743 million shekels
- הראל השתלמות משולב סחיר 550 million shekels
- הראל השתלמות עוקב מדדי מניות 511 million shekels
- הראל השתלמות עוקב מדדים - גמיש 438 million shekels
- הראל השתלמות אשראי ואג"ח 393 million shekels
- The other 5 funds 337 million shekels
- הראל השתלמות אג"ח סחיר 134 million shekels
Each dot is one fund, and the large dot is the average of them all.
Since the start of the year+5.10%
Average of 16 funds
Lowest fund: הראל השתלמות עוקב מדדי אג"חHighest fund: הראל השתלמות מסלול מניות
3 years, yearly average+10.20%
Average of 8 funds
Lowest fund: הראל השתלמות מסלול כספי (שקלי)Highest fund: הראל השתלמות מסלול מניות
5 years, yearly average+7.33%
Average of 7 funds
Lowest fund: הראל השתלמות אשראי ואג"חHighest fund: הראל השתלמות מסלול מניות
Fee on savings0.53%
Average of 16 funds
Lowest fund: הראל השתלמות מסלול סחיר- אג"ח עם מניות (עד 25% מניות)Highest fund: הראל השתלמות מסלול הלכה
An average counts every fund once, whatever its size. Returns are before management fees, and past returns say nothing about future ones.
The 16 Harel study funds that reported for September 2026 are listed here.
- הראל השתלמות כלליgeneral
16.0 billion shekels
Fee 0.60%This year +6.92%5 years +7.32%
- הראל השתלמות - עוקב מדד S&P 500S&P 500 index
7.9 billion shekels
Fee 0.50%This year +7.82%5 years +11.89%
- הראל השתלמות מסלול מניותstocks
5.8 billion shekels
Fee 0.53%This year +12.87%5 years +12.55%
- הראל השתלמות אשראי ואג"ח עם מניות (עד 25% מניות)credit and bonds
2.5 billion shekels
Fee 0.55%This year +2.36%5 years +3.64%
- הראל השתלמות מניות סחירtraded stocks
2.1 billion shekels
Fee 0.49%This year +9.58%5 years –
- הראל השתלמות מסלול הלכהJewish law
743 million shekels
Fee 0.67%This year +6.99%5 years +7.18%
- הראל השתלמות משולב סחירmixed traded assets
550 million shekels
Fee 0.54%This year +6.48%5 years +6.38%
- הראל השתלמות עוקב מדדי מניותstock index tracking
511 million shekels
Fee 0.51%This year +11.39%5 years –
- הראל השתלמות עוקב מדדים - גמישflexible index tracking
438 million shekels
Fee 0.47%This year +7.10%5 years –
- הראל השתלמות אשראי ואג"חcredit and bonds
393 million shekels
Fee 0.60%This year +1.76%5 years +2.38%
- הראל השתלמות אג"ח סחירtraded bonds
134 million shekels
Fee 0.50%This year +2.85%5 years –
129 million shekels
Fee 0.41%This year +3.68%5 years –
- הראל השתלמות מסלול כספי (שקלי)money market (shekel)
114 million shekels
Fee 0.50%This year +2.98%5 years –
- הראל השתלמות עוקב מדדים- אג"ח עם מניות (עד 25% מניות)bond index tracking
41.6 million shekels
Fee 0.47%This year +3.99%5 years –
- הראל השתלמות עוקב מדדי אג"חbond index tracking
34.2 million shekels
Fee 0.52%This year -5.61%5 years –
- הראל השתלמות קיימותsustainability
18.1 million shekels
Fee 0.57%This year +0.46%5 years –
Harel has funds of these kinds.
- Provident funds for benefits and severance35.0 billion shekels16 funds
- Investment provident funds19.1 billion shekels16 funds
- Savings funds for a child6.8 billion shekels4 funds
- Central severance funds2.0 billion shekels7 funds
- Pension funds224 billion shekels41 funds
- Insurance savings tracks89.9 billion shekels33 funds
These are the questions people ask about these funds.
How many Harel study funds are there?
16 Harel study funds reported for September 2026. Together they hold 37.4 billion shekels, and 4 more stopped reporting in the last three years.
What is the average fee of the Harel study funds?
The average fee on savings is 0.53% a year, over the 16 Harel study funds that report one. Every fund counts once, whatever its size.
Which of the Harel study funds has the highest return over 5 years?
הראל השתלמות מסלול מניות has the highest average yearly return over 5 years, +12.55%, of the 7 Harel study funds with a 5-year figure. The lowest is הראל השתלמות אשראי ואג"ח, with +2.38%. 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.