May 4, 2020

We recently did a series of short videos on social media about Kranot Hishtalmut, and in order to round off the topic, we are bringing it home in this month's blog.

Most people reading this who live in Israel will know in general what a Keren Hishtalmut is, namely a savings fund that you can pay in to from employment income, that has income tax benefits on contributions, a...

March 2, 2020

To complete our two-part mini series on investing in Health Insurance in Israel, this month we are talking about one of the most important parts of Health Insurance from a financial planning point of view - Critical Illness insurance (Bituach Machalot Kashot) .

The logic behind this insurance is to provide a one-off sum of money to cover the costs and financial shortfalls that...

February 3, 2020

The words “investment” and “insurance” don’t normally go together. After all, one of them you hope will be of use in helping you to achieve some future goal, and the other you hope to never be of use at all!

But if you speak to any good financial planner, they will tell you that the right type of insurance should absolutely form part of your overall financial strategy, and...

December 3, 2019

We all know the story. You came on Aliyah and started your first job at some point. After a while your Hebrew was a bit better, or you moved to a different neighborhood, and you moved on to the next challenge. Then your horizons were broadened even more, and job number three entered the scene, etc etc.

What this very often means is that there are a bunch of different pension ve...

November 4, 2019

Let’s cut right to the chase. If you are a US citizen living in Israel and are reading this, then you are probably all too familiar with the dreaded four-letter word – PFIC.

In over-simplified terms, it basically means that unless you are in the mood to be paying penal levels of tax on your Israeli investments to the IRS, you should not be saving or investing your money using t...

September 3, 2019

ETFs, or Exchange Traded Funds, have been around for a good few years now. Starting in the US in the early 1990s, they have exploded in popularity and variation, and are an extremely common and useful part of many an investment portfolio around the world. This is due to their relatively low-fees, high liquidity and the fact that passive investing is becoming the way to go for...

August 4, 2019

They say that some problems are nice to have. Having a sum of cash in your bank account and not knowing what to do with it might definitely be classed as one of them! From the sale of a property, inheritance, to plain old prudent saving every month, there are plenty of ways that these balances are being generated.

With the banks cutting down on the number of Investment Advisers...

July 2, 2019

As the famous saying amongst us Olim goes, in order to have a bit of money in Israel, you need to make Aliyah with a lot of money! Indeed for many Olim, especially those at the beginning of their new life and career in Israel, the idea of saving money every month is about as foreign as they are to the natives.

The truth is though, that its not that no one can afford to save eve...

June 3, 2019

The amount of Olim living in Israel is increasing every year. Apart from the general effects this has on Israeli society, it also means that there are an increasing number of people each year who are more apprehensive than they should be about investing their savings and portfolios in Israel.

So if you are thinking about saving and investing in Israel, here are 5 basic (re...

April 4, 2019

In this piece, we bring you a new investment idea – one which may be very useful if you are looking for something stable, income producing, and generally uncorrelated to stocks and bonds.

In simplistic terms, the idea is as follows. Invest in a fund that lends to the Israeli real estate sector, either to developers or owners of Israeli real estate. In return, the fund takes the...

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