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In long-term savings, even differences that seem small can add up to significant amounts over the years. This page lets you compare funds and tracks by long-term performance, management fees, risk measures and additional data, and see how each fund compares with its peers.

Keren Hishtalmut (קרן השתלמות)

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Compare long-term savings: returns, fees and risk in one place

Sources and freshness are detailed for each savings product

Compare Keren Hishtalmut (קרן השתלמות)

Data updated through August 2026

Compare Keren Hishtalmut (קרן השתלמות) by returns, management fees, Sharpe ratio, assets and rating within the same track.

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Comparison results

153 funds across 15 tracks

Government Bond Track

6 Funds

Fund name	12 months	3 years (cumulative return)	5 years (cumulative return)	Management fees	Sharpe ratio	Assets (₪ millions)	Plan membership
Migdal Training Fund — Government Bond Trackמגדל מקפת קרנות פנסיה וקופות גמל בע"מ	3.90%	10.82%	3.59%	0.61%	‎-0.56	136.90	Visit institution website
Yelin Lapidot Training Fund — Government Bond Trackילין לפידות ניהול קופות גמל בע"מ	4.62%	12.09%	7.56%	0.70%	‎-0.49	135.23	Visit institution website
Infinity Training Fund — Government Bond Trackאינפיניטי השתלמות, גמל ופנסיה בע"מ	4.96%	13.24%	9.19%	0.35%	‎-0.41	51.53	Visit institution website
Analyst Training Fund — Government Bond Trackאנליסט קופות גמל בע"מ	5.81%	15.24%	10.66%	0.58%	‎-0.16	66.70	Visit institution website
Meitav Training Fund — Government Bond Trackמיטב גמל ופנסיה בע"מ	4.55%	15.21%	15.39%	0.62%	0.02	185.99	Visit institution website
Altshuler Shaham Training Fund — Government Bond Trackאלטשולר שחם גמל ופנסיה בע"מ	5.13%	15.50%	15.90%	0.70%	0.07	204.55	Visit institution website
Market average	4.83%	13.68%	10.38%	0.59%	‎-0.25	130.15

Marketable Bond Track

8 Funds

Fund name	12 months	3 years (cumulative return)	5 years (cumulative return)	Rating	Management fees	Sharpe ratio	Assets (₪ millions)	Plan membership
Clal Training Fund Marketable Bond Trackכלל פנסיה וגמל בע"מ	5.78%	No data	No data	No data**	No data	No data	23.30	Visit institution website
Harel Training Fund Marketable Bond Trackהראל פנסיה וגמל בע"מ	5.63%	No data	No data	No data**	0.50%	No data	134.64	Visit institution website
Harel Training Fund Marketable Bond Track with up to 25% Equitiesהראל פנסיה וגמל בע"מ	9.05%	No data	No data	No data**	0.41%	No data	128.25	Visit institution website
Meitav Training Fund Marketable — Bond Track with up to 25% Equitiesמיטב גמל ופנסיה בע"מ	10.66%	No data	No data	No data**	0.53%	No data	163.68	Visit institution website
Meitav Training Fund Marketable Bond Trackמיטב גמל ופנסיה בע"מ	-6.94%	No data	No data	No data**	0.57%	No data	23.16	Visit institution website
More Training Fund for Employees and the Self-Employed Specialist Marketable Investments Bonds with Equities (up to 25%)מור גמל ופנסיה בע"מ	8.19%	No data	No data	No data**	0.67%	No data	116.10	Visit institution website
More Training Fund for Employees and the Self-Employed Specialist Marketable Investments Marketable Bond Trackמור גמל ופנסיה בע"מ	6.52%	No data	No data	No data**	0.67%	No data	49.64	Visit institution website
Phoenix Training Fund Marketable Bond Trackהפניקס פנסיה וגמל בע"מ	4.90%	No data	No data	No data**	0.55%	No data	52.72	Visit institution website
Market average	5.47%	No data	No data		0.56%	No data	86.44

** Not enough data for a rating yet

Credit and Bond Track

10 Funds

Fund name	12 months	3 years (cumulative return)	5 years (cumulative return)	Management fees	Sharpe ratio	Assets (₪ millions)	Plan membership
Menora Mivtachim Training Fund Credit and Bond Track with up to 25% Equitiesמנורה מבטחים פנסיה וגמל בע"מ	5.04%	14.55%	13.51%	0.62%	‎-0.02	1,470.66	Visit institution website
Altshuler Shaham Training Fund Credit and Bond Trackאלטשולר שחם גמל ופנסיה בע"מ	4.34%	14.88%	15.51%	0.66%	0.00	509.07	Visit institution website
Phoenix Training Fund Credit and Bond Trackהפניקס פנסיה וגמל בע"מ	4.31%	15.98%	14.83%	0.64%	0.05	728.02	Visit institution website
Harel Training Fund Credit and Bond Trackהראל פנסיה וגמל בע"מ	5.13%	16.98%	13.42%	0.60%	0.01	387.56	Visit institution website
Migdal Training Fund Credit and Bond Trackמגדל מקפת קרנות פנסיה וקופות גמל בע"מ	5.19%	17.12%	13.50%	0.56%	0.04	475.61	Visit institution website
Analyst Training Fund Credit and Bond Trackאנליסט קופות גמל בע"מ	5.64%	17.02%	14.27%	0.61%	0.07	248.92	Visit institution website
Yelin Lapidot Training Fund Credit and Bond Trackילין לפידות ניהול קופות גמל בע"מ	5.10%	16.42%	18.93%	0.68%	0.28	493.35	Visit institution website
Clal Training Fund Credit and Bond Trackכלל פנסיה וגמל בע"מ	5.98%	19.48%	18.41%	0.54%	0.34	409.78	Visit institution website
Harel Training Fund Credit and Bond Track with up to 25% Equitiesהראל פנסיה וגמל בע"מ	5.83%	17.98%	20.43%	0.55%	0.36	2,539.45	Visit institution website
Phoenix Training Fund Credit and Bond Track with up to 25% Equitiesהפניקס פנסיה וגמל בע"מ	5.92%	21.91%	21.70%	0.63%	0.54	2,763.11	Visit institution website
Market average	6.46%	21.38%	21.61%	0.59%	0.44	1,119.36

SortSort order

Government Bond Track

6 Funds

Migdal Training Fund — Government Bond Track
מגדל מקפת קרנות פנסיה וקופות גמל בע"מ
12 months
3.90%
3 years (cumulative return)
10.82%
5 years (cumulative return)
3.59%
Management fees
0.61%
Sharpe ratio
‎-0.56
Assets (₪ millions)
136.90
Rating
Plan membership
Visit institution website
Yelin Lapidot Training Fund — Government Bond Track
ילין לפידות ניהול קופות גמל בע"מ
12 months
4.62%
3 years (cumulative return)
12.09%
5 years (cumulative return)
7.56%
Management fees
0.70%
Sharpe ratio
‎-0.49
Assets (₪ millions)
135.23
Rating
Plan membership
Visit institution website
Infinity Training Fund — Government Bond Track
אינפיניטי השתלמות, גמל ופנסיה בע"מ
12 months
4.96%
3 years (cumulative return)
13.24%
5 years (cumulative return)
9.19%
Management fees
0.35%
Sharpe ratio
‎-0.41
Assets (₪ millions)
51.53
Rating
Plan membership
Visit institution website
Analyst Training Fund — Government Bond Track
אנליסט קופות גמל בע"מ
12 months
5.81%
3 years (cumulative return)
15.24%
5 years (cumulative return)
10.66%
Management fees
0.58%
Sharpe ratio
‎-0.16
Assets (₪ millions)
66.70
Rating
Plan membership
Visit institution website
Meitav Training Fund — Government Bond Track
מיטב גמל ופנסיה בע"מ
12 months
4.55%
3 years (cumulative return)
15.21%
5 years (cumulative return)
15.39%
Management fees
0.62%
Sharpe ratio
0.02
Assets (₪ millions)
185.99
Rating
Plan membership
Visit institution website
Altshuler Shaham Training Fund — Government Bond Track
אלטשולר שחם גמל ופנסיה בע"מ
12 months
5.13%
3 years (cumulative return)
15.50%
5 years (cumulative return)
15.90%
Management fees
0.70%
Sharpe ratio
0.07
Assets (₪ millions)
204.55
Rating
Plan membership
Visit institution website

Market average

12 months: 4.83%
3 years (cumulative return): 13.68%
5 years (cumulative return): 10.38%
Management fees: 0.59%
Sharpe ratio: ‎-0.25
Assets (₪ millions): 130.15

Marketable Bond Track

8 Funds

Clal Training Fund Marketable Bond Track
כלל פנסיה וגמל בע"מ
12 months
5.78%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
No data
Sharpe ratio
No data
Assets (₪ millions)
23.30
Rating
No data**
Plan membership
Visit institution website
Harel Training Fund Marketable Bond Track
הראל פנסיה וגמל בע"מ
12 months
5.63%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
0.50%
Sharpe ratio
No data
Assets (₪ millions)
134.64
Rating
No data**
Plan membership
Visit institution website
Harel Training Fund Marketable Bond Track with up to 25% Equities
הראל פנסיה וגמל בע"מ
12 months
9.05%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
0.41%
Sharpe ratio
No data
Assets (₪ millions)
128.25
Rating
No data**
Plan membership
Visit institution website
Meitav Training Fund Marketable — Bond Track with up to 25% Equities
מיטב גמל ופנסיה בע"מ
12 months
10.66%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
0.53%
Sharpe ratio
No data
Assets (₪ millions)
163.68
Rating
No data**
Plan membership
Visit institution website
Meitav Training Fund Marketable Bond Track
מיטב גמל ופנסיה בע"מ
12 months
-6.94%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
0.57%
Sharpe ratio
No data
Assets (₪ millions)
23.16
Rating
No data**
Plan membership
Visit institution website
More Training Fund for Employees and the Self-Employed Specialist Marketable Investments Bonds with Equities (up to 25%)
מור גמל ופנסיה בע"מ
12 months
8.19%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
0.67%
Sharpe ratio
No data
Assets (₪ millions)
116.10
Rating
No data**
Plan membership
Visit institution website
More Training Fund for Employees and the Self-Employed Specialist Marketable Investments Marketable Bond Track
מור גמל ופנסיה בע"מ
12 months
6.52%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
0.67%
Sharpe ratio
No data
Assets (₪ millions)
49.64
Rating
No data**
Plan membership
Visit institution website
Phoenix Training Fund Marketable Bond Track
הפניקס פנסיה וגמל בע"מ
12 months
4.90%
3 years (cumulative return)
No data
5 years (cumulative return)
No data
Management fees
0.55%
Sharpe ratio
No data
Assets (₪ millions)
52.72
Rating
No data**
Plan membership
Visit institution website

Market average

12 months: 5.47%
3 years (cumulative return): No data
5 years (cumulative return): No data
Management fees: 0.56%
Sharpe ratio: No data
Assets (₪ millions): 86.44

** Not enough data for a rating yet

Credit and Bond Track

10 Funds

Menora Mivtachim Training Fund Credit and Bond Track with up to 25% Equities
מנורה מבטחים פנסיה וגמל בע"מ
12 months
5.04%
3 years (cumulative return)
14.55%
5 years (cumulative return)
13.51%
Management fees
0.62%
Sharpe ratio
‎-0.02
Assets (₪ millions)
1,470.66
Rating
Plan membership
Visit institution website
Altshuler Shaham Training Fund Credit and Bond Track
אלטשולר שחם גמל ופנסיה בע"מ
12 months
4.34%
3 years (cumulative return)
14.88%
5 years (cumulative return)
15.51%
Management fees
0.66%
Sharpe ratio
0.00
Assets (₪ millions)
509.07
Rating
Plan membership
Visit institution website
Phoenix Training Fund Credit and Bond Track
הפניקס פנסיה וגמל בע"מ
12 months
4.31%
3 years (cumulative return)
15.98%
5 years (cumulative return)
14.83%
Management fees
0.64%
Sharpe ratio
0.05
Assets (₪ millions)
728.02
Rating
Plan membership
Visit institution website
Harel Training Fund Credit and Bond Track
הראל פנסיה וגמל בע"מ
12 months
5.13%
3 years (cumulative return)
16.98%
5 years (cumulative return)
13.42%
Management fees
0.60%
Sharpe ratio
0.01
Assets (₪ millions)
387.56
Rating
Plan membership
Visit institution website
Migdal Training Fund Credit and Bond Track
מגדל מקפת קרנות פנסיה וקופות גמל בע"מ
12 months
5.19%
3 years (cumulative return)
17.12%
5 years (cumulative return)
13.50%
Management fees
0.56%
Sharpe ratio
0.04
Assets (₪ millions)
475.61
Rating
Plan membership
Visit institution website
Analyst Training Fund Credit and Bond Track
אנליסט קופות גמל בע"מ
12 months
5.64%
3 years (cumulative return)
17.02%
5 years (cumulative return)
14.27%
Management fees
0.61%
Sharpe ratio
0.07
Assets (₪ millions)
248.92
Rating
Plan membership
Visit institution website
Yelin Lapidot Training Fund Credit and Bond Track
ילין לפידות ניהול קופות גמל בע"מ
12 months
5.10%
3 years (cumulative return)
16.42%
5 years (cumulative return)
18.93%
Management fees
0.68%
Sharpe ratio
0.28
Assets (₪ millions)
493.35
Rating
Plan membership
Visit institution website
Clal Training Fund Credit and Bond Track
כלל פנסיה וגמל בע"מ
12 months
5.98%
3 years (cumulative return)
19.48%
5 years (cumulative return)
18.41%
Management fees
0.54%
Sharpe ratio
0.34
Assets (₪ millions)
409.78
Rating
Plan membership
Visit institution website
Harel Training Fund Credit and Bond Track with up to 25% Equities
הראל פנסיה וגמל בע"מ
12 months
5.83%
3 years (cumulative return)
17.98%
5 years (cumulative return)
20.43%
Management fees
0.55%
Sharpe ratio
0.36
Assets (₪ millions)
2,539.45
Rating
Plan membership
Visit institution website
Phoenix Training Fund Credit and Bond Track with up to 25% Equities
הפניקס פנסיה וגמל בע"מ
12 months
5.92%
3 years (cumulative return)
21.91%
5 years (cumulative return)
21.70%
Management fees
0.63%
Sharpe ratio
0.54
Assets (₪ millions)
2,763.11
Rating
Plan membership
Visit institution website

Market average

12 months: 6.46%
3 years (cumulative return): 21.38%
5 years (cumulative return): 21.61%
Management fees: 0.59%
Sharpe ratio: 0.44
Assets (₪ millions): 1,119.36

Source: GemelNet — Official dataset

Keren Hishtalmut (קרן השתלמות)

Updating the comparison…