הפניקס השתלמות אשראי ואג"ח holds 719 million shekels and charges 0.64% 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
₪11,416+14.2%
The dashed line is the amount put in.
December 2010September 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 9 of 44 by assets.
Since the start of the year+1.80%
Place 39 of 42 from the highest, and the funds' average is +3.10%.
3 years, yearly average+5.23%
Place 25 of 41 from the highest, and the funds' average is +6.25%.
5 years, yearly average+2.68%
Place 24 of 40 from the highest, and the funds' average is +3.43%.
Fee on savings0.64%
Place 34 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 2001.
This is how the fund's money was invested in September 2026.
- Exposure to shares
- 0.3%
- Exposure abroad
- 22.0%
- Exposure to foreign currency
- 8.1%
- Liquid assets
- 82.0%
Over the last 12 months the fund received 36.5 million shekels in deposits and paid out 37.2 million shekels in withdrawals.
- Deposits36.5 million shekels
- Withdrawals37.2 million shekels
- Transfers between funds, in less out+4.7 million shekels
- Net inflow after withdrawals and transfers+4.0 million shekels
These amounts cover the last twelve months.
Over 5 years the fund returned +2.68% a year on average.
| Period | Return in all | Average a year |
|---|---|---|
| Last month, September 2026 | -0.60% | – |
| Since the start of 2026 | +1.80% | – |
| 3 years | +16.51% | +5.23% |
| 5 years | +14.16% | +2.68% |
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
- Phoenix
- Who may join
- Open to everyone
- In the Authority's reports since
- January 2001
- Started on
- 9 May 2001
- Number in the Authority's reports
- 716
These are the risk measures the Authority reports for the last 60 months.
- Standard deviation
- 2.94%How far the monthly return moved around its average. A larger figure means bigger swings.
- Sharpe ratio
- -0.07The return above a risk-free return for each unit of risk. A larger figure means more return for the risk taken.
- Alpha
- -0.12The 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 עוקב מדדי מניות681 million shekels
- כלל השתלמות אשראי ואג"ח עם מניות (עד 25% מניות)556 million shekels
- מיטב השתלמות אשראי ואג"ח1.1 billion shekels
- מנורה מבטחים השתלמות מסלול אשראי ואג"ח555 million shekels
- מנורה מבטחים השתלמות מסלול אשראי ואג"ח עם מניות (עד 25% מניות)1.5 billion shekels
- אנליסט קרן השתלמות - אשראי ואג"ח עד 25% מניות549 million shekels
Phoenix has more study funds.
These are the questions people ask about this fund.
What are the management fees of הפניקס השתלמות אשראי ואג"ח?
In the Authority's report for September 2026, the fee on the savings is 0.64% a year and the fee on deposits is –.
What were the returns of הפניקס השתלמות אשראי ואג"ח?
In September 2026, the return since the start of 2026 was +1.80%, and the average yearly return over 5 years was +2.68%. These returns are before management fees.
How much money does הפניקס השתלמות אשראי ואג"ח hold?
The fund held 719 million shekels at the end of September 2026, in the Authority's report.
Who may join הפניקס 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.