My Financial Solutions
Advanced financial products tailored to the Israeli market and your personal needs
Investment Pension
Advanced platform offering high long-term returns, full liquidity, and unique tax benefits. Investment managed by leading investment houses.
Savings Policies
Savings managed by large institutional bodies with a wide range of investment tracks. Full flexibility and adaptation for families and children.
Professional Development Fund
The most profitable financial savings! Unique tax benefits for freelancers and employees, capital gains tax exemption, and professionally managed investments.
The meaning is clear: money works for you, not against you
How Do I Help You?
- Comprehensive Financial Analysis
- Selecting Suitable Products
- Ongoing Management and Monitoring
- Tax Benefits Optimization
When Should You Start?
- Now!
- With Every Life Change
- When You Have Money in the Bank
- Before Retirement
Why Are Most Israelis Losing Money?
Most of the money of Israeli citizens is currently in checking accounts in banks - where it essentially gathers dust. Not only does this money not work for us, but it actually erodes over time due to inflation.
Annual Inflation
Money in bank accounts loses its value every year due to inflation
Bank Interest
Banks pay negligible interest on deposits - far below inflation
Potential Return
Average return of properly managed savings and insurance products
Israelis in Checking
Of Israelis keep most of their money in bank accounts
Tax Benefits in Israel
Capital Gains Tax Exemption
SavingsIn certain savings products, profits are completely exempt from capital gains tax
Recognized Expense for Freelancers
FreelancersProfessional development fund deposits are recognized as business expenses for freelancers
Tax-Free Pension
PensionWithdrawal from investment pension from age 60 as completely tax-free pension
Comparison to Bank Deposits
Bank Deposit
Not ProfitableAdvanced Savings Products
RecommendedFrequently Asked Questions About Financial Solutions
Find answers to the most common questions
Investment funds offer significantly higher returns over time, full liquidity without penalties, and unique tax benefits. In bank deposits, money loses value due to inflation and returns are low. Investments in Gemel are managed by professionals at institutional bodies.
Study Funds enjoy full capital gains tax exemption (up to a ceiling), making them the most worthwhile savings in Israel. For self-employed - deposits are tax-deductible. For employees - part of employment conditions. After 6 years (or 3 for self-employed), money can be withdrawn tax-free.
It depends on several factors: management fees, returns, insurance coverage, and service. Sometimes you can get better terms by staying with the same company through negotiation. It's recommended to consult with an agent who will review your portfolio and present an objective comparison.
Management fees are the commissions charged by the body managing your money. They consist of fees from accumulation (from the accumulated amount) and from deposits. A 0.5% difference in management fees can amount to tens of thousands of shekels over the years. That's why negotiating and comparing is crucial.
Yes, savings policies are an excellent way to save for children long-term - education, army service, first apartment. The advantages include professional money management, flexibility in investment tracks, and adaptation to age and savings goals.
The information provided is general only and does not constitute professional advice or a substitute for consultation with a licensed insurance agent. Contact me for personalized guidance