Guide: how to compare funds in Gemel-Net (גמל-נט)

On the website’s home page, click the orange button at the bottom of the screen that says “Enter the System.”

On the upper menu bar, click the “Query by Parameters” tab. This is the most accurate and recommended way to obtain a complete picture.

Under the tools column, click “Select” and mark the type of savings you want to examine (for example, a kupat gemel lehashka’a (קופת גמל להשקעהA flexible savings vehicle that allows withdrawal at any time, or receipt of a tax-exempt pension after age 60.; investment provident fund)). Click the left transfer arrow to move the product to the selection list, and then click “Continue.”

(A tip for focused reading: It is recommended to make a separate comparison for each product, such as a pensionA monthly payment made to a person after retirement from work in order to help maintain their standard of living. or study fundA medium-term savings product (six years) that benefits from a tax exemption on investment gains up to the applicable contribution limit., to keep things simple.)

In the following columns, you can filter which insuranceA contract under which an insurance company undertakes to compensate the insured in the event of damage in exchange for a periodic payment. companies and investment houses you want to compare. To see the market’s complete picture, it is recommended to leave the defaults as they are: “All Types of Controlling Corporations” and “All Controlling Corporations.”

If you want to compare specific corporations, choose which corporations to compare, or leave the default “All Controlling Corporations.”

Step 5:

Filter by track and investment specialization. Under the specialization column, click “Select.” At this stage, you can filter the type of track that interests you. For example:

• General track: A classic and balanced combination of shares and bonds.
• Equity track: A track intended for the long term that offers a high risk level alongside high returnThe profit (or loss) from an investment over a certain period, usually expressed as a percentage of the original amount invested. potential.
• Index-tracking track: A passive track that follows leading global stock indices, such as the S&P 500An index composed of 500 of the largest and leading companies traded on U.S. stock exchanges.. After choosing the desired track and moving it to the left, click “Continue.”

At the bottom of the screen, under the report-period heading, set the time range you want to examine by choosing a month and year in the “From” and “To” boxes. To obtain a reliable indication of the entities’ performance, it is recommended to examine a period going back at least 3 years.

After setting the dates, click the purple button at the bottom of the screen that says “Display Report.”

The system will generate a detailed data table for you. When reading the table, it is recommended to pay particular attention to two central figures: the cumulative-return column over time (as noted, it is preferable to look at the 3- or 5-year range), and the Sharpe-ratio column, which presents a professional measure that examines how much return the fund produced relative to the level of risk it took.

A point to consider: Never make a financial decision based only on one year’s return data, because a successful year does not necessarily indicate stability. To choose correctly, always weigh together the company’s consistent performance over time, the level of management fees it charges, and how well the risk track suits your family’s character and personal needs.