הראל השתלמות אשראי ואג"ח holds 393 million shekels and charges 0.60% 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
₪11,248+12.5%
The dashed line is the amount put in.
January 2015September 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 18 of 44 by assets.
Since the start of the year+1.76%
Place 40 of 42 from the highest, and the funds' average is +3.10%.
3 years, yearly average+5.28%
Place 24 of 41 from the highest, and the funds' average is +6.25%.
5 years, yearly average+2.38%
Place 30 of 40 from the highest, and the funds' average is +3.43%.
Fee on savings0.60%
Place 30 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 January 2015.
This is how the fund's money was invested in September 2026.
- Exposure to shares
- 7.2%
- Exposure abroad
- 23.0%
- Exposure to foreign currency
- 3.7%
- Liquid assets
- 78.8%
Over the last 12 months the fund received 27.2 million shekels in deposits and paid out 23.6 million shekels in withdrawals.
- Deposits27.2 million shekels
- Withdrawals23.6 million shekels
- Transfers between funds, in less out+71.7 million shekels
- Net inflow after withdrawals and transfers+75.3 million shekels
These amounts cover the last twelve months.
Over 5 years the fund returned +2.38% a year on average.
| Period | Return in all | Average a year |
|---|---|---|
| Last month, September 2026 | -0.94% | – |
| Since the start of 2026 | +1.76% | – |
| 3 years | +16.68% | +5.28% |
| 5 years | +12.48% | +2.38% |
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
- Harel
- Who may join
- Open to everyone
- In the Authority's reports since
- January 2015
- Started on
- 22 December 2009
- Number in the Authority's reports
- 1485
These are the risk measures the Authority reports for the last 60 months.
- Standard deviation
- 2.80%How far the monthly return moved around its average. A larger figure means bigger swings.
- Sharpe ratio
- -0.15The 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.
- הפניקס השתלמות הלכה389 million shekels
- מגדל השתלמות אשראי ואג"ח עם מניות (עד 25% מניות)269 million shekels
- כלל השתלמות אשראי ואג"ח407 million shekels
- אנליסט השתלמות אשראי ואג"ח243 million shekels
- מגדל השתלמות מסלול אשראי ואג"ח475 million shekels
- אינפיניטי השתלמות אשראי ואג"ח158 million shekels
Harel has more study funds.
These are the questions people ask about this fund.
What are the management fees of הראל השתלמות אשראי ואג"ח?
In the Authority's report for September 2026, the fee on the savings is 0.60% a year and the fee on deposits is –.
What were the returns of הראל השתלמות אשראי ואג"ח?
In September 2026, the return since the start of 2026 was +1.76%, and the average yearly return over 5 years was +2.38%. These returns are before management fees.
How much money does הראל השתלמות אשראי ואג"ח hold?
The fund held 393 million shekels at the end of September 2026, in the Authority's report.
Who may join הראל השתלמות אשראי ואג"ח?
Open to everyone
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.