Phoenix Investment Provident Fund Credit and Bond Track

Data updated through August 2026

Investment policy — Specialist Managed Active — Credit and Bond Track

Fund details

Fund number: 7905
Track type: Credit and Bond Track
Savings type: Kupat Gemel LeHashkaa (קופת גמל להשקעה)
Managing institution: הפניקס פנסיה וגמל בע"מ

Assets and exposures

Total assets managed in this fund (₪ millions): 141.92
Liquid-asset share: 79.90%
Total equity exposure: 0.34%
Foreign exposure: 20.88%
Foreign-currency exposure: 8.84%
Equity exposure from asset allocation: 0.29%
Standard deviation: 2.91%
Sharpe ratio: 0.06

Returns and management fees

Return in the last month: 0.17%
Year-to-date return: 2.47%
36-month cumulative return: 16.3%
60-month cumulative return: 15.0%
Average annual return over the last 3 years: 5.17%
Average annual return over the last 5 years: 2.83%
Average management fees paid by fund members: 0.64%

Asset allocation

Asset allocation based on the reported data.

Asset details from the source

Asset type	Rate	Amount (₪ millions)
Tradable government bonds	24.59%	34.89
Tradable corporate bonds and bond ETFs	46.43%	65.9
Non-tradable corporate bonds	2.61%	3.7
Equities, options and equity ETFs	0.29%	0.41
Deposits	0%	0
Loans	16.81%	23.85
Cash and cash equivalents	5.16%	7.32
Mutual funds	1.24%	1.75
Other assets	2.88%	4.09

Asset allocation

Comparison in the Credit and Bond Track

The selected fund compared with other funds in the same category.

Table Chart

Show sector-specific funds

Showing 1–10 of 23 funds

Fund name	12 months	3 years	5 years	Rating	Management fees	Plan membership
Altshuler Shaham Savings Plus Credit and Bond Trackאלטשולר שחם גמל ופנסיה בע"מ	No data	14.80%	14.02%	No data	0.62%	No data
Altshuler Shaham Savings Plus Credit and Bond Track with up to 25% Equitiesאלטשולר שחם גמל ופנסיה בע"מ	No data	23.85%	23.32%	No data	0.64%	No data
Analyst Track-based — Investment Provident Fund Credit and Bond Trackאנליסט קופות גמל בע"מ	No data	16.97%	13.75%	No data	0.61%	No data
Analyst Track-based — Investment Provident Fund Credit and Bond Track with up to 25% Equitiesאנליסט קופות גמל בע"מ	No data	27.49%	25.88%	No data	0.61%	No data
Ayalon Investment Provident Fund Credit and Bond Trackאיילון קופות גמל בע"מ	No data	No data	No data	No data	No data	No data
Ayalon Investment Provident Fund Credit and Bond Track with up to 25% Equitiesאיילון קופות גמל בע"מ	No data	No data	No data	No data	No data	No data
Clal Gemel Atid Credit and Bond Trackכלל פנסיה וגמל בע"מ	No data	18.32%	15.58%	No data	0.64%	No data
Clal Gemel Atid Credit and Bond Track with up to 25% Equitiesכלל פנסיה וגמל בע"מ	No data	27.85%	25.75%	No data	0.63%	No data
Harel Investment Provident Fund Credit and Bond Trackהראל פנסיה וגמל בע"מ	No data	No data	No data	No data	0.54%	No data
Harel Investment Provident Fund Credit and Bond Track with up to 25% Equitiesהראל פנסיה וגמל בע"מ	No data	27.92%	26.53%	No data	0.58%	No data
Market average	No data	23.19%	22.70%	No data	0.62%

Asset allocation

Asset allocation based on the reported data.

Asset details from the source

Asset type	Rate	Amount (₪ millions)
Tradable government bonds	24.59%	34.89
Tradable corporate bonds and bond ETFs	46.43%	65.9
Non-tradable corporate bonds	2.61%	3.7
Equities, options and equity ETFs	0.29%	0.41
Deposits	0%	0
Loans	16.81%	23.85
Cash and cash equivalents	5.16%	7.32
Mutual funds	1.24%	1.75
Other assets	2.88%	4.09