קרן השתלמות וחסכון פ.ר.ח - מסלול אשראי ואג"ח holds 1.0 million shekels and charges 0.75% 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 June 2025 would have become, by the end of September 2026
₪10,664+6.6%
The dashed line is the amount put in.
June 2025September 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 44 of 44 by assets.
Since the start of the year+2.53%
Place 26 of 42 from the highest, and the funds' average is +3.10%.
3 years, yearly average+4.68%
Place 36 of 41 from the highest, and the funds' average is +6.25%.
5 years, yearly average+2.22%
Place 35 of 40 from the highest, and the funds' average is +3.43%.
Fee on savings0.75%
Place 42 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 April 2009.
This is how the fund's money was invested in September 2026.
- Exposure abroad
- 2.0%
- Exposure to foreign currency
- 2.9%
- Liquid assets
- 94.3%
Over the last 12 months the fund received 0.0 million shekels in deposits and paid out 0.0 million shekels in withdrawals.
- Deposits0.0 million shekels
- Withdrawals0.0 million shekels
- Transfers between funds, in less out-0.1 million shekels
- Net inflow after withdrawals and transfers-0.1 million shekels
These amounts cover the last twelve months.
Over 5 years the fund returned +2.22% a year on average.
| Period | Return in all | Average a year |
|---|---|---|
| Last month, September 2026 | -0.40% | – |
| Since the start of 2026 | +2.53% | – |
| 3 years | +14.71% | +4.68% |
| 5 years | +11.62% | +2.22% |
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
- Managed by
- יהב - פ.ר.ח. - חברה לניהול קופות גמל
- Who may join
- Closed to the public, for the employees of one sector
- In the Authority's reports since
- April 2009
- Started on
- 19 March 2009
- Number in the Authority's reports
- 1471
These are the risk measures the Authority reports for the last 60 months.
- Standard deviation
- 2.53%How far the monthly return moved around its average. A larger figure means bigger swings.
- Sharpe ratio
- -0.24The return above a risk-free return for each unit of risk. A larger figure means more return for the risk taken.
- Alpha
- -0.48The part of the return that the fund's exposure to the market does not explain.
These funds are close to this one in size.
- איילון קרן השתלמות משולב סחיר0.9 million shekels
- ילין לפידות קרן השתלמות מסלול אג"ח עם מניות (עד 25% מניות)4.1 billion shekels
- קרן השתלמות למורים וגננות מסלול מקוצר - מסלול אשראי ואג"ח1.8 million shekels
- מיטב השתלמות אשראי ואג"ח עם מניות (עד 25% מניות)3.8 billion shekels
- עגור קרן השתלמות למורים בבתי הספר העי"ס במכללות ובסמינרים בבתי ספר יסודיים וגננות מסלול אשראי ואג"ח2.5 million shekels
- אלטשולר שחם השתלמות אשראי ואג"ח עם מניות (עד 25% מניות)3.4 billion shekels
יהב - פ.ר.ח. - חברה לניהול קופות גמל has more study funds.
These are the questions people ask about this fund.
What are the management fees of קרן השתלמות וחסכון פ.ר.ח - מסלול אשראי ואג"ח?
In the Authority's report for September 2026, the fee on the savings is 0.75% a year and the fee on deposits is –.
What were the returns of קרן השתלמות וחסכון פ.ר.ח - מסלול אשראי ואג"ח?
In September 2026, the return since the start of 2026 was +2.53%, and the average yearly return over 5 years was +2.22%. These returns are before management fees.
How much money does קרן השתלמות וחסכון פ.ר.ח - מסלול אשראי ואג"ח hold?
The fund held 1.0 million shekels at the end of September 2026, in the Authority's report.
Who may join קרן השתלמות וחסכון פ.ר.ח - מסלול אשראי ואג"ח?
Closed to the public, for the employees of one sector
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.