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Englishעבריתالعربية
English
Englishעבריתالعربية
A savings policy lets you invest money in a range of investment tracks and withdraw it when needed. Management fees, investment tracks and the terms offered by insurance companies are not necessarily the same. We gathered the terms provided to us by the companies and the offers found in their official publications so you can compare and choose the policy that suits you.
| Insurance Company | Policy Name | Minimum Deposit | Management Fees | Digital Enrollment | Key Feature | Joining Link |
|---|---|---|---|---|---|---|
 | The Phoenix Invest | 300 ₪ monthly / 10,000 ₪ one-time to open a policy | Not published on the company website | Not fully digital — contact an agent or leave details to receive an offer | A variety of investment tracks, including index-tracking and BlackRock tracks | Visit Website |
 | Top Finance | No minimum amount published | No fee on deposits; the management-fee rate on the accumulated balance is not published | Yes | One-time and monthly deposits are available, with digital policy management | Visit Website |
 | Migvan Investments | No minimum required | Not published on the company website | Partial | Deposits may be made in any amount; a variety of investment tracks | Visit Website |
 | Keshet LaPrat | 200 ₪ monthly / 10,000 ₪ one-time upon joining | Set upon joining and guaranteed throughout the savings period | Yes | The management fees set upon joining are preserved throughout the savings period | Visit Website |
 | BEST INVEST | 180 ₪ monthly / 5,000 ₪ one-time | 0% of deposits and up to 1.5% of the accumulated balance | Yes | Choose among tracks managed by several investment managers | Visit Website |
 | Financial Savings for the Future | Not published on the company website | Not published on the company website | Yes | A variety of tracks, including tracks in partnership with State Street | Visit Website |
 | Financial Advantage | No public minimum amount found | No current public rate found | Unclear — no complete public policy-opening process was found | A variety of investment tracks, with switching between them without a tax event | Visit Website |
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Management fees are important, but also compare the available investment tracks, long-term track performance, risk level, deposit and withdrawal options, and service quality.
Not necessarily. Low management fees are an advantage, but they are only one consideration. Also check whether suitable investment tracks are available and how those tracks have performed over time.
Yes. The management fees initially offered are not necessarily final. Better terms may sometimes be available, especially for a significant investment amount.
Terms vary between companies. Check whether a minimum deposit is required and whether you can make a one-time deposit, monthly deposits or a combination of both.
You can generally switch among the investment tracks offered within the same policy without withdrawing the money. Check the exact terms with the company.
