Guide: How to compare funds in the "Gemel-Net" system

On the website's home page, click the orange button at the bottom of the screen labeled "Enter the system".

In the top menu bar, click the "Parameter-based inquiry" tab. This is the most accurate and recommended way to obtain a complete picture.

Under the Tools column, click the "Select" button and select the type of savings you wish to check (for example, "Kupat Gemel LeHashkaa (קופת גמל להשקעה)A flexible savings vehicle that allows withdrawal at any time, or receipt of a tax-exempt pension after age 60."). Click the left transfer arrow to move the product to the selection list, then click "Continue".

(Tip for focused reading: It is recommended to make a separate comparison for each product, such as PensionA monthly payment made to a person after retirement from work in order to help maintain their standard of living. or Keren Hishtalmut (קרן השתלמות), to keep things simple.)

In the following columns, you can filter the 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 full market picture, it is recommended to leave the default settings as "All types of controlling corporations" and "All controlling corporations".

If you want to compare specific corporations, select them; otherwise, leave the default setting, "All controlling corporations."

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, balanced combination of stocks and bonds.
• Equity track: A track intended for the long term, offering a high level of risk 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 equity indices, such as the S\&P 500index. After selecting 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 wish to examine by selecting 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 labeled "Display report".

The system will generate a detailed data table. When reading the table, pay particular attention to two key figures: the cumulative return over time (as noted, it is preferable to examine 3 or 5 years), and the Sharpe ratio, a professional metric that measures how much return the fund generated relative to the level of risk it assumed.

Food for thought: Never make a financial decision based on the return data of just one year, as a successful year does not necessarily indicate stability. To make the right choice, always consider the company's consistent performance over time, the management fees it charges, and how well the risk track suits your family's personal characteristics and needs.