עובדי מדינה - מסלול כללי holds 3.4 billion shekels and charges 0.38% 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
₪14,889+48.9%
The dashed line is the amount put in.
September 2008September 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 17 of 47 by assets.
Since the start of the year+6.18%
Place 33 of 46 from the highest, and the funds' average is +6.28%.
3 years, yearly average+13.01%
Place 19 of 45 from the highest, and the funds' average is +11.00%.
5 years, yearly average+8.29%
Place 12 of 45 from the highest, and the funds' average is +6.80%.
Fee on savings0.38%
Place 22 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 September 2008.
This is how the fund's money was invested in September 2026.
- Exposure to shares
- 53.6%
- Exposure abroad
- 45.0%
- Exposure to foreign currency
- 19.5%
- Liquid assets
- 86.2%
Over the last 12 months the fund received 257 million shekels in deposits and paid out 205 million shekels in withdrawals.
- Deposits257 million shekels
- Withdrawals205 million shekels
- Transfers between funds, in less out-103 million shekels
- Net inflow after withdrawals and transfers-50.7 million shekels
These amounts cover the last twelve months.
Over 5 years the fund returned +8.29% a year on average.
| Period | Return in all | Average a year |
|---|---|---|
| Last month, September 2026 | 0.00% | – |
| Since the start of 2026 | +6.18% | – |
| 3 years | +44.34% | +13.01% |
| 5 years | +48.89% | +8.29% |
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
- החברה לניהול קרן ההשתלמות לעובדי המדינה
- Who may join
- Closed to the public, for the employees of one sector
- In the Authority's reports since
- September 2008
- Started on
- 1 April 1979
- Number in the Authority's reports
- 382
These are the risk measures the Authority reports for the last 60 months.
- Standard deviation
- 5.79%How far the monthly return moved around its average. A larger figure means bigger swings.
- Sharpe ratio
- 1.10The return above a risk-free return for each unit of risk. A larger figure means more return for the risk taken.
- Alpha
- 1.32The part of the return that the fund's exposure to the market does not explain.
These funds are close to this one in size.
- מנורה מבטחים השתלמות מסלול מניות3.3 billion shekels
- גלובל נט השתלמות בניהול אישי2.7 billion shekels
- מיטב השתלמות בניהול אישי4.9 billion shekels
- קרן השתלמות לאקדמאים במדעי החברה והרוח מסלול כללי2.7 billion shekels
- קרן החיסכון לצבא הקבע כללי5.1 billion shekels
- רעות קרן השתלמות - כללי2.5 billion shekels
החברה לניהול קרן ההשתלמות לעובדי המדינה has more study funds.
- עובדי מדינה - מסלול מניות171 million shekels
- קרן השתלמות לעובדי המדינה עוקבי מדדים עוקב מדד S&P 50048.3 million shekels
- עובדי המדינה - מסלול אג"ח ממשלות27.2 million shekels
- קרן השתלמות לעובדי המדינה הלכתי הלכה יהודית22.6 million shekels
- עובדי מדינה - מסלול מתמחה משולב-אג"ח עד 25 אחוז מניות22.3 million shekels
These are the questions people ask about this fund.
What are the management fees of עובדי מדינה - מסלול כללי?
In the Authority's report for September 2026, the fee on the savings is 0.38% a year and the fee on deposits is –.
What were the returns of עובדי מדינה - מסלול כללי?
In September 2026, the return since the start of 2026 was +6.18%, and the average yearly return over 5 years was +8.29%. These returns are before management fees.
How much money does עובדי מדינה - מסלול כללי hold?
The fund held 3.4 billion shekels at the end of September 2026, in the Authority's report.
Who may join עובדי מדינה - מסלול כללי?
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.