Harel Investment Provident Fund 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: 8521
Track type: Credit and Bond Track
Savings type: Kupat Gemel LeHashkaa (קופת גמל להשקעה)
Managing institution: הראל פנסיה וגמל בע"מ

Assets and exposures

Total assets managed in this fund (₪ millions): 427.06
Liquid-asset share: 84.00%
Total equity exposure: 18.30%
Foreign exposure: 19.98%
Foreign-currency exposure: 14.19%
Equity exposure from asset allocation: 17.55%
Standard deviation: 3.66%
Sharpe ratio: 0.83

Returns and management fees

Return in the last month: 0.72%
Year-to-date return: 4.10%
36-month cumulative return: 27.9%
60-month cumulative return: 26.5%
Average annual return over the last 3 years: 8.55%
Average annual return over the last 5 years: 4.82%
Average management fees paid by fund members: 0.58%

Asset allocation

Asset allocation based on the reported data.

Asset details from the source

Asset type	Rate	Amount (₪ millions)
Tradable government bonds	23.22%	99.14
Tradable corporate bonds and bond ETFs	50.13%	214.07
Non-tradable corporate bonds	0.09%	0.4
Equities, options and equity ETFs	17.55%	74.93
Deposits	0%	0
Loans	2.13%	9.1
Cash and cash equivalents	1.89%	8.08
Mutual funds	0.59%	2.53
Other assets	4.40%	18.8

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
Harel Investment Provident Fund Credit and Bond Trackהראל פנסיה וגמל בע"מ	No data	No data	No data	No data	0.54%	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
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
Menora Mivtachim Investment Provident Fund Credit and Bond Track with up to 25% Equitiesמנורה מבטחים פנסיה וגמל בע"מ	No data	17.21%	13.55%	No data	0.57%	No data
Harel Investment Provident Fund Credit and Bond Track with up to 25% EquitiesSelected Fund · הראל 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 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
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
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
Migdal Investment Provident Fund Credit and Bond Trackמגדל מקפת קרנות פנסיה וקופות גמל בע"מ	No data	No data	No data	No data	0.62%	No data
Market average	No data	23.19%	22.70%	No data	0.62%

12-month return

Current comparison of displayed tracks against the market average

Selected trackTracks to compareMarket average

Harel Investment Provident Fund 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: 8521
Track type: Credit and Bond Track
Savings type: Kupat Gemel LeHashkaa (קופת גמל להשקעה)
Managing institution: הראל פנסיה וגמל בע"מ

Assets and exposures

Total assets managed in this fund (₪ millions): 427.06
Liquid-asset share: 84.00%
Total equity exposure: 18.30%
Foreign exposure: 19.98%
Foreign-currency exposure: 14.19%
Equity exposure from asset allocation: 17.55%
Standard deviation: 3.66%
Sharpe ratio: 0.83

Returns and management fees

Return in the last month: 0.72%
Year-to-date return: 4.10%
36-month cumulative return: 27.9%
60-month cumulative return: 26.5%
Average annual return over the last 3 years: 8.55%
Average annual return over the last 5 years: 4.82%
Average management fees paid by fund members: 0.58%

Asset allocation

Asset allocation based on the reported data.

Asset details from the source

Asset type	Rate	Amount (₪ millions)
Tradable government bonds	23.22%	99.14
Tradable corporate bonds and bond ETFs	50.13%	214.07
Non-tradable corporate bonds	0.09%	0.4
Equities, options and equity ETFs	17.55%	74.93
Deposits	0%	0
Loans	2.13%	9.1
Cash and cash equivalents	1.89%	8.08
Mutual funds	0.59%	2.53
Other assets	4.40%	18.8

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
Harel Investment Provident Fund Credit and Bond Trackהראל פנסיה וגמל בע"מ	No data	No data	No data	No data	0.54%	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
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
Menora Mivtachim Investment Provident Fund Credit and Bond Track with up to 25% Equitiesמנורה מבטחים פנסיה וגמל בע"מ	No data	17.21%	13.55%	No data	0.57%	No data
Harel Investment Provident Fund Credit and Bond Track with up to 25% EquitiesSelected Fund · הראל 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 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
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
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
Migdal Investment Provident Fund Credit and Bond Trackמגדל מקפת קרנות פנסיה וקופות גמל בע"מ	No data	No data	No data	No data	0.62%	No data
Market average	No data	23.19%	22.70%	No data	0.62%

12-month return

Current comparison of displayed tracks against the market average

Selected trackTracks to compareMarket average

Harel Investment Provident Fund 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

12-month return

Harel Investment Provident Fund 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

12-month return