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...

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...

February 3, 2019

Having been in the news a lot recently, Siudi insurance is starting to move up on people’s insurance wish-list. As it should. The point of this piece however is not to talk about whether it is important to take out Siudi insurance or not (it is by the way), but rather, to analyse the costs and benefits of taking it out whilst you are younger - and the policy is cheaper but you...

July 5, 2018

Following our last article about the potential to defer tax indefinitely (click here to read), this time we will shed some light on one of the big advantages of this particular solution - The ability to self-manage or to stay with your existing investment manager. That is, you can either manage your investments on your own (making it very economical), or you can have your trie...

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