הפניקס גמל להשקעה אשראי ואג"ח holds 142 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
₪11,450+14.5%
The dashed line is the amount put in.
December 2016September 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 25 investment provident 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 12 of 25 by assets.
Since the start of the year+2.03%
Place 22 of 23 from the highest, and the funds' average is +3.46%.
3 years, yearly average+5.37%
Place 20 of 21 from the highest, and the funds' average is +7.38%.
5 years, yearly average+2.75%
Place 15 of 18 from the highest, and the funds' average is +4.12%.
Fee on savings0.64%
Place 17 of 23 from the lowest, and the funds' average is 0.60%.
All the investment provident funds on the credit and bonds track
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 November 2016.
This is how the fund's money was invested in September 2026.
- Exposure to shares
- 0.3%
- Exposure abroad
- 22.2%
- Exposure to foreign currency
- 8.6%
- Liquid assets
- 81.3%
Over the last 12 months the fund received 36.3 million shekels in deposits and paid out 16.1 million shekels in withdrawals.
- Deposits36.3 million shekels
- Withdrawals16.1 million shekels
- Transfers between funds, in less out+6.6 million shekels
- Net inflow after withdrawals and transfers+26.8 million shekels
These amounts cover the last twelve months.
Over 5 years the fund returned +2.75% a year on average.
| Period | Return in all | Average a year |
|---|---|---|
| Last month, September 2026 | -0.43% | – |
| Since the start of 2026 | +2.03% | – |
| 3 years | +17.00% | +5.37% |
| 5 years | +14.50% | +2.75% |
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
- investment provident fund
- Track
- credit and bonds
- Managed by
- Phoenix
- Fee on deposits
- 0.00%
- Who may join
- Open to everyone
- In the Authority's reports since
- November 2016
- Started on
- 10 November 2016
- Number in the Authority's reports
- 7905
These are the risk measures the Authority reports for the last 60 months.
- Standard deviation
- 2.92%How far the monthly return moved around its average. A larger figure means bigger swings.
- Sharpe ratio
- -0.04The 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.
- הראל גמל להשקעה עוקב מדדים - גמיש137 million shekels
- אלטשולר שחם חיסכון פלוס אשראי ואג"ח124 million shekels
- מגדל גמל להשקעה מסלול אשראי ואג"ח עם מניות (עד 25% מניות)143 million shekels
- הראל גמל להשקעה אשראי ואג"ח106 million shekels
- כלל גמל לעתיד אשראי ואג"ח עם מניות (עד 25% מניות)177 million shekels
- אנליסט מסלולית - קופת גמל להשקעה אשראי ואג"ח98.5 million shekels
Phoenix has more investment provident funds.
- הפניקס גמל להשקעה אשראי ואג"ח עם מניות (עד 25% מניות)278 million shekels
- הפניקס גמל להשקעה עוקב מדד S&P 5003.4 billion shekels
- הפניקס גמל להשקעה כללי3.3 billion shekels
- הפניקס גמל להשקעה מניות1.9 billion shekels
- הפניקס גמל להשקעה מניות סחיר510 million shekels
- הפניקס גמל להשקעה עוקב מדדי מניות234 million shekels
These are the questions people ask about this fund.
What are the management fees of הפניקס גמל להשקעה 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 0.00%.
What were the returns of הפניקס גמל להשקעה אשראי ואג"ח?
In September 2026, the return since the start of 2026 was +2.03%, and the average yearly return over 5 years was +2.75%. These returns are before management fees.
How much money does הפניקס גמל להשקעה אשראי ואג"ח hold?
The fund held 142 million shekels at the end of September 2026, in the Authority's report.
Who may join הפניקס גמל להשקעה 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.