הראל השתלמות כללי holds 16.0 billion 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
₪14,239+42.4%
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 47 study funds on the general 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 10 of 47 by assets.
Since the start of the year+6.92%
Place 27 of 46 from the highest, and the funds' average is +6.28%.
3 years, yearly average+11.51%
Place 37 of 45 from the highest, and the funds' average is +11.00%.
5 years, yearly average+7.32%
Place 32 of 45 from the highest, and the funds' average is +6.80%.
Fee on savings0.60%
Place 34 of 46 from the lowest, and the funds' average is 0.43%.
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
- 50.5%
- Exposure abroad
- 54.8%
- Exposure to foreign currency
- 18.4%
- Liquid assets
- 79.1%
Over the last 12 months the fund received 1.7 billion shekels in deposits and paid out 953 million shekels in withdrawals.
- Deposits1.7 billion shekels
- Withdrawals953 million shekels
- Transfers between funds, in less out-242 million shekels
- Net inflow after withdrawals and transfers+513 million shekels
These amounts cover the last twelve months.
Over 5 years the fund returned +7.32% a year on average.
| Period | Return in all | Average a year |
|---|---|---|
| Last month, September 2026 | +0.07% | – |
| Since the start of 2026 | +6.92% | – |
| 3 years | +38.67% | +11.51% |
| 5 years | +42.39% | +7.32% |
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
- general
- Managed by
- Harel
- Who may join
- Open to everyone
- In the Authority's reports since
- January 2015
- Started on
- 6 December 1995
- Number in the Authority's reports
- 154
These are the risk measures the Authority reports for the last 60 months.
- Standard deviation
- 5.67%How far the monthly return moved around its average. A larger figure means bigger swings.
- Sharpe ratio
- 0.92The return above a risk-free return for each unit of risk. A larger figure means more return for the risk taken.
- Alpha
- 0.84The part of the return that the fund's exposure to the market does not explain.
These funds are close to this one in size.
- מור קרן השתלמות לשכירים ולעצמאים - מניות14.9 billion shekels
- מנורה מבטחים השתלמות מסלול כללי14.2 billion shekels
- ילין לפידות קרן השתלמות מסלול כללי21.2 billion shekels
- עגור קרן השתלמות למורים בבתי הספר העי"ס במכללות ובסמינרים בבתי הספר היסודיים ולגננות מסלול כללי10.7 billion shekels
- מגדל השתלמות מסלול כללי21.3 billion shekels
- קרן השתלמות למורים תיכוניים מסלול רגיל- מסלול כללי10.0 billion shekels
Harel has more study funds.
These are the questions people ask about this fund.
What are the management fees of הראל השתלמות כללי?
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 כללי?
In September 2026, the return since the start of 2026 was +6.92%, and the average yearly return over 5 years was +7.32%. These returns are before management fees.
How much money does הראל השתלמות כללי hold?
The fund held 16.0 billion shekels at the end of September 2026, in the Authority's report.
Who may join הראל השתלמות כללי?
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.