קרן החיסכון לצבא הקבע אשראי ואג"ח holds 137 million shekels and charges 0.19% a year on the savings.
These are its returns, fees, assets and risk in the Authority's report for September 2026, and how it compares with the funds on its track.
₪10,000 put in at the start of October 2021 would have become, by the end of September 2026
₪10,774+7.7%
The dashed line is the amount put in.
April 2009September 2026
This follows the fund's own monthly returns, which are before its management fees, so it shows the fund's growth and not what a saver's balance would be.
Among the 44 study funds on the credit and bonds track, this is where the fund stands.
Each dot is a fund on the track, the large dot is this one, and it stands at place 22 of 44 by assets.
Since the start of the year+1.83%
Place 38 of 42 from the highest, and the funds' average is +3.10%.
3 years, yearly average+4.49%
Place 37 of 41 from the highest, and the funds' average is +6.25%.
5 years, yearly average+1.50%
Place 40 of 40 from the highest, and the funds' average is +3.43%.
Fee on savings0.19%
Place 6 of 42 from the lowest, and the funds' average is 0.47%.
This chart sets each year's return against the average of the funds on the same track.
Only years the fund reported in full are shown, and each year's return is its twelve monthly returns compounded.
The fund's assets have changed like this since December 2008.
This is how the fund's money was invested in September 2026.
- Exposure to shares
- 7.6%
- Exposure abroad
- 27.8%
- Exposure to foreign currency
- 3.9%
- Liquid assets
- 76.9%
Over the last 12 months the fund received 7.8 million shekels in deposits and paid out 5.5 million shekels in withdrawals.
- Deposits7.8 million shekels
- Withdrawals5.5 million shekels
- Transfers between funds, in less out-5.3 million shekels
- Net inflow after withdrawals and transfers-3.0 million shekels
These amounts cover the last twelve months.
Over 5 years the fund returned +1.50% a year on average.
| Period | Return in all | Average a year |
|---|---|---|
| Last month, September 2026 | -0.51% | – |
| Since the start of 2026 | +1.83% | – |
| 3 years | +14.07% | +4.49% |
| 5 years | +7.74% | +1.50% |
The Authority states that these returns are before the fund's management fees, on the explanation pages of gemelnet.cma.gov.il. Past returns say nothing about future ones.
These are the fund's details in the Authority's reports.
- Kind of fund
- study fund
- Track
- credit and bonds
- Who may join
- Closed to the public, for the employees of one company or body
- In the Authority's reports since
- December 2008
- Started on
- 19 November 2008
- Number in the Authority's reports
- 1410
These are the risk measures the Authority reports for the last 60 months.
- Standard deviation
- 2.81%How far the monthly return moved around its average. A larger figure means bigger swings.
- Sharpe ratio
- -0.48The return above a risk-free return for each unit of risk. A larger figure means more return for the risk taken.
- Alpha
- -1.44The part of the return that the fund's exposure to the market does not explain.
These funds are close to this one in size.
- מגדל השתלמות מסלול אג"ח ממשלות136 million shekels
- רום קרן השתלמות לעובדי הרשויות המקומיות מסלול רום רביד אשראי ואג"ח101 million shekels
- אינפיניטי השתלמות אשראי ואג"ח158 million shekels
- אינפיניטי השתלמות אשראי ואג"ח עם מניות (עד 25% מניות)91.8 million shekels
- אנליסט השתלמות אשראי ואג"ח243 million shekels
- קרן השתלמות להנדסאים וטכנאים - מסלול אשראי ואג"ח65.7 million shekels
קרן החסכון לצבא הקבע - חברה לניהול קופות גמל has more study funds.
- קרן החיסכון לצבא הקבע כללי5.1 billion shekels
- קרן החיסכון לצבא הקבע מניות1.9 billion shekels
- קרן החיסכון לצבא הקבע - עוקב מדד S&P 5001.4 billion shekels
- קרן החיסכון לצבא הקבע - מניות סחיר260 million shekels
- קרן החיסכון לצבא הקבע - עוקב מדדי מניות82.1 million shekels
- קרן החיסכון לצבא הקבע - עוקב מדדים - גמיש35.4 million shekels
These are the questions people ask about this fund.
What are the management fees of קרן החיסכון לצבא הקבע אשראי ואג"ח?
In the Authority's report for September 2026, the fee on the savings is 0.19% a year and the fee on deposits is –.
What were the returns of קרן החיסכון לצבא הקבע אשראי ואג"ח?
In September 2026, the return since the start of 2026 was +1.83%, and the average yearly return over 5 years was +1.50%. These returns are before management fees.
How much money does קרן החיסכון לצבא הקבע אשראי ואג"ח hold?
The fund held 137 million shekels at the end of September 2026, in the Authority's report.
Who may join קרן החיסכון לצבא הקבע אשראי ואג"ח?
Closed to the public, for the employees of one company or body
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.