Clal Gemel Atid Credit and Bond Track with up to 25% Equities

Data updated through August 2026

Investment policy — Specialist Managed Active — Credit and Bond Track

Fund details

Fund number: 7992
Track type: Credit and Bond Track
Savings type: Kupat Gemel LeHashkaa (קופת גמל להשקעה)
Managing institution: כלל פנסיה וגמל בע"מ

Assets and exposures

Total assets managed in this fund (₪ millions): 175.62
Liquid-asset share: 82.20%
Total equity exposure: 19.91%
Foreign exposure: 31.20%
Foreign-currency exposure: 13.82%
Equity exposure from asset allocation: 14.62%
Standard deviation: 3.97%
Sharpe ratio: 0.72

Returns and management fees

Return in the last month: 0.62%
Year-to-date return: 4.97%
36-month cumulative return: 27.9%
60-month cumulative return: 25.8%
Average annual return over the last 3 years: 8.53%
Average annual return over the last 5 years: 4.69%
Average management fees paid by fund members: 0.63%

Asset allocation

Asset allocation based on the reported data.

Asset details from the source

Asset type	Rate	Amount (₪ millions)
Tradable government bonds	19.64%	34.49
Tradable corporate bonds and bond ETFs	39.71%	69.74
Non-tradable corporate bonds	0.52%	0.92
Equities, options and equity ETFs	14.62%	25.68
Deposits	1.43%	2.52
Loans	2.82%	4.95
Cash and cash equivalents	7.61%	13.36
Mutual funds	5.00%	8.77
Other assets	8.65%	15.19

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
More Investment Provident Fund -Credit and Bond Track with up to 25% Equitiesמור גמל ופנסיה בע"מ	No data	26.94%	31.32%	No data	0.72%	No data
Menora Mivtachim Investment Provident Fund Credit and Bond Trackמנורה מבטחים פנסיה וגמל בע"מ	No data	22.16%	30.98%	No data	0.54%	No data
Meitav Investment Provident Fund Credit and Bond Track with up to 25% Equitiesמיטב גמל ופנסיה בע"מ	No data	28.99%	30.78%	No data	0.61%	No data
Infinity Investment Provident Fund Credit and Bond Track with up to 25% Equitiesאינפיניטי השתלמות, גמל ופנסיה בע"מ	No data	27.92%	29.56%	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
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
Clal Gemel Atid Credit and Bond Track with up to 25% EquitiesSelected Fund · כלל פנסיה וגמל בע"מ	No data	27.85%	25.75%	No data	0.63%	No data
Yelin Lapidot Investment Provident Fund Credit and Bond Track with up to 25% Equitiesילין לפידות ניהול קופות גמל בע"מ	No data	23.77%	25.38%	No data	0.68%	No data
Migdal Investment Provident Fund Credit and Bond Track with up to 25% Equitiesמגדל מקפת קרנות פנסיה וקופות גמל בע"מ	No data	28.02%	24.63%	No data	0.62%	No data
Phoenix Investment Provident Fund Credit and Bond Track with up to 25% Equitiesהפניקס פנסיה וגמל בע"מ	No data	25.60%	24.24%	No data	0.62%	No data
Market average	No data	23.19%	22.70%	No data	0.62%

Clal Gemel Atid Credit and Bond Track with up to 25% Equities

Data updated through August 2026

Investment policy — Specialist Managed Active — Credit and Bond Track

Fund details

Fund number: 7992
Track type: Credit and Bond Track
Savings type: Kupat Gemel LeHashkaa (קופת גמל להשקעה)
Managing institution: כלל פנסיה וגמל בע"מ

Assets and exposures

Total assets managed in this fund (₪ millions): 175.62
Liquid-asset share: 82.20%
Total equity exposure: 19.91%
Foreign exposure: 31.20%
Foreign-currency exposure: 13.82%
Equity exposure from asset allocation: 14.62%
Standard deviation: 3.97%
Sharpe ratio: 0.72

Returns and management fees

Return in the last month: 0.62%
Year-to-date return: 4.97%
36-month cumulative return: 27.9%
60-month cumulative return: 25.8%
Average annual return over the last 3 years: 8.53%
Average annual return over the last 5 years: 4.69%
Average management fees paid by fund members: 0.63%

Asset allocation

Asset allocation based on the reported data.

Asset details from the source

Asset type	Rate	Amount (₪ millions)
Tradable government bonds	19.64%	34.49
Tradable corporate bonds and bond ETFs	39.71%	69.74
Non-tradable corporate bonds	0.52%	0.92
Equities, options and equity ETFs	14.62%	25.68
Deposits	1.43%	2.52
Loans	2.82%	4.95
Cash and cash equivalents	7.61%	13.36
Mutual funds	5.00%	8.77
Other assets	8.65%	15.19

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
More Investment Provident Fund -Credit and Bond Track with up to 25% Equitiesמור גמל ופנסיה בע"מ	No data	26.94%	31.32%	No data	0.72%	No data
Menora Mivtachim Investment Provident Fund Credit and Bond Trackמנורה מבטחים פנסיה וגמל בע"מ	No data	22.16%	30.98%	No data	0.54%	No data
Meitav Investment Provident Fund Credit and Bond Track with up to 25% Equitiesמיטב גמל ופנסיה בע"מ	No data	28.99%	30.78%	No data	0.61%	No data
Infinity Investment Provident Fund Credit and Bond Track with up to 25% Equitiesאינפיניטי השתלמות, גמל ופנסיה בע"מ	No data	27.92%	29.56%	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
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
Clal Gemel Atid Credit and Bond Track with up to 25% EquitiesSelected Fund · כלל פנסיה וגמל בע"מ	No data	27.85%	25.75%	No data	0.63%	No data
Yelin Lapidot Investment Provident Fund Credit and Bond Track with up to 25% Equitiesילין לפידות ניהול קופות גמל בע"מ	No data	23.77%	25.38%	No data	0.68%	No data
Migdal Investment Provident Fund Credit and Bond Track with up to 25% Equitiesמגדל מקפת קרנות פנסיה וקופות גמל בע"מ	No data	28.02%	24.63%	No data	0.62%	No data
Phoenix Investment Provident Fund Credit and Bond Track with up to 25% Equitiesהפניקס פנסיה וגמל בע"מ	No data	25.60%	24.24%	No data	0.62%	No data
Market average	No data	23.19%	22.70%	No data	0.62%

Clal Gemel Atid Credit and Bond Track with up to 25% Equities

Fund details

Fund data

Assets and exposures

Returns and management fees

Asset allocation

Asset details from the source

Comparison in the Credit and Bond Track

Clal Gemel Atid Credit and Bond Track with up to 25% Equities

Fund details

Fund data

Assets and exposures

Returns and management fees

Asset allocation

Asset details from the source

Comparison in the Credit and Bond Track