חודשים בטווח
126
נתונים היסטוריים · קרנות השתלמות
אומגה קרן השתלמות מסלול אשראי ואג"ח עם מניות (עד 25% מניות) (9803)
נתונים היסטוריים מלאים עבור אומגה קרן השתלמות מסלול אשראי ואג"ח עם מניות (עד 25% מניות) (9803), 126 חודשים. לצפייה בגרפים אינטראקטיביים וזום לתאריכים — עברו לכלי ההשוואה.
מזהה קרן: 9803 | שם קרן: אומגה קרן השתלמות מסלול אשראי ואג"ח עם מניות (עד 25% מניות) | סיווג קרן: קרנות השתלמות | חברה שולטת: מנורה מבטחים החזקות בע"מ | חברה מנהלת: מנורה מבטחים והסתדרות המהנדסים ניהול קופות גמל בע"מ | אוכלוסיית יעד: עובדי סקטור מסויים | התמחות: מתמחים בניהול אקטיבי | תת התמחות: אשראי ואג"ח.
למערכת הגרפים וההשוואה מעבר לגרפים אינטראקטיביים, זום ותצוגת מדדיםעדכונים חודשיים למייל
קבלו פעם בחודש עדכון על אומגה קרן השתלמות מסלול אשראי ואג"ח עם מניות (עד 25% מניות) (9803) ישירות למייל.
בחירת טווח זמן
תשואה חודשית אחרונה
+0.45%
תשואה מצטברת בטווח
+55.25%
| חודש | תשואה חודשית | תשואה מצטברת | דמי ניהול שנתיים | אלפא | שארפ | סטיית תקן | הפקדות נטו חודשי (מ׳ ש״ח) |
הפקדות נטו מצטבר (מ׳ ש״ח) |
סך הנכסים (מ׳ ש״ח) |
חשיפה למניות | חשיפה לחו״ל | חשיפה למט״ח |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-08 | +0.45% | +55.25% | 0.48% | -0.24% | 0.45 | 4.48% | -2.02 | +14.40 | 19.88 | 19.06% | 23.19% | 14.84% |
| 2026-07 | -0.10% | +54.56% | 0.48% | -0.36% | 0.46 | 4.49% | +0.61 | +16.42 | 21.81 | 12.52% | 20.54% | 15.45% |
| 2026-06 | +0.96% | +54.71% | 0.48% | — | 0.45 | 4.49% | -0.09 | +15.81 | 21.23 | 12.67% | 20.35% | 15.97% |
| 2026-05 | +1.23% | +53.24% | 0.48% | -0.60% | 0.47 | 4.48% | +0.05 | +15.90 | 21.13 | 12.54% | 19.64% | 15.57% |
| 2026-04 | +1.44% | +51.38% | 0.48% | -0.72% | 0.42 | 4.47% | +0.22 | +15.85 | 20.83 | 15.12% | 20.36% | 16.47% |
| 2026-03 | -1.49% | +49.23% | 0.48% | -0.72% | 0.36 | 4.45% | +0.01 | +15.63 | 20.33 | 15.05% | 20.51% | 16.92% |
| 2026-02 | +0.32% | +51.49% | 0.48% | -0.60% | 0.57 | 4.39% | -0.48 | +15.62 | 20.63 | 15.56% | 20.70% | 18.23% |
| 2026-01 | +0.69% | +51.00% | 0.48% | -0.48% | 0.58 | 4.39% | -0.26 | +16.10 | 21.04 | 14.92% | 20.34% | 17.87% |
| 2025-12 | +0.30% | +49.97% | 0.47% | -0.36% | 0.57 | 4.40% | +0.91 | +16.36 | 21.16 | 13.42% | 19.28% | 17.39% |
| 2025-11 | +0.57% | +49.52% | 0.47% | -0.36% | 0.61 | 4.41% | +0.64 | +15.45 | 20.19 | 14.07% | 18.47% | 16.39% |
| 2025-10 | +0.88% | +48.67% | 0.47% | -0.36% | 0.66 | 4.60% | +0.43 | +14.81 | 19.44 | 13.84% | 18.47% | 16.82% |
| 2025-09 | +1.23% | +47.38% | 0.47% | -0.24% | 0.63 | 4.59% | +0.46 | +14.38 | 18.85 | 14.06% | 17.72% | 16.60% |
| 2025-08 | +0.80% | +45.59% | 0.47% | -0.24% | 0.53 | 4.65% | +0.11 | +13.92 | 18.18 | 14.19% | 18.65% | 16.89% |
| 2025-07 | +0.37% | +44.43% | 0.47% | -0.24% | 0.55 | 4.70% | +0.38 | +13.81 | 17.93 | 14.28% | 18.18% | 17.18% |
| 2025-06 | +1.88% | +43.90% | 0.47% | -0.24% | 0.59 | 4.74% | +2.37 | +13.43 | 17.49 | 14.41% | 18.01% | 17.67% |
| 2025-05 | +0.32% | +41.24% | 0.47% | +0.24% | 0.47 | 4.72% | +0.09 | +11.06 | 14.81 | 16.48% | 21.54% | 20.66% |
| 2025-04 | +0.81% | +40.79% | 0.47% | +0.48% | 0.51 | 4.75% | -0.41 | +10.97 | 14.67 | 16.09% | 22.22% | 20.72% |
| 2025-03 | -0.32% | +39.66% | 0.47% | +0.72% | 0.56 | 5.07% | -0.55 | +11.38 | 14.97 | 15.43% | 21.18% | 20.24% |
| 2025-02 | +0.42% | +40.11% | 0.47% | -0.24% | 0.37 | 6.50% | +0.10 | +11.93 | 15.56 | 14.78% | 19.79% | 19.47% |
| 2025-01 | +0.88% | +39.52% | 0.47% | -0.24% | 0.34 | 6.55% | +0.14 | +11.83 | 15.41 | 15.51% | 20.38% | 20.05% |
| 2024-12 | +1.80% | +38.31% | 0.46% | -0.24% | 0.32 | 6.54% | -0.68 | +11.69 | 15.14 | 19.42% | 0.33% | 5.68% |
| 2024-11 | +2.07% | +35.86% | 0.46% | -0.36% | 0.25 | 6.51% | +0.02 | +12.37 | 15.55 | 18.78% | 0.39% | 4.82% |
| 2024-10 | +1.34% | +33.11% | 0.46% | -0.48% | 0.16 | 6.46% | -0.16 | +12.35 | 15.22 | 20.24% | 0.33% | 5.32% |
| 2024-09 | +0.61% | +31.35% | 0.46% | -0.84% | 0.12 | 6.45% | -0.89 | +12.51 | 15.18 | 19.50% | 0.46% | 5.60% |
| 2024-08 | +1.91% | +30.55% | 0.46% | — | 0.04 | 6.45% | -0.07 | +13.40 | 15.98 | 18.02% | 0.44% | 5.51% |
| 2024-07 | +1.14% | +28.10% | 0.46% | -0.96% | 0.03 | 6.42% | -1.09 | +13.47 | 15.76 | 17.13% | 0.51% | 5.58% |
| 2024-06 | -0.31% | +26.66% | 0.46% | -0.96% | -0.01 | 6.40% | +0.13 | +14.56 | 16.66 | 15.79% | 0.66% | 5.40% |
| 2024-05 | -0.31% | +27.05% | 0.46% | -0.96% | 0.05 | 6.42% | +0.03 | +14.43 | 16.58 | 16.41% | 0.54% | 5.49% |
| 2024-04 | -1.11% | +27.45% | 0.46% | -0.84% | 0.08 | 6.43% | -0.87 | +14.40 | 16.60 | 17.47% | 0.54% | 5.30% |
| 2024-03 | +0.66% | +28.88% | 0.46% | -0.96% | 0.19 | 6.41% | -0.17 | +15.27 | 17.68 | 18.21% | 0.62% | 5.32% |
| 2024-02 | +1.39% | +28.03% | 0.46% | -0.84% | 0.19 | 6.42% | +0.03 | +15.44 | 17.74 | 17.87% | 0.56% | 5.19% |
| 2024-01 | -0.68% | +26.28% | 0.46% | -0.84% | 0.15 | 6.40% | +0.34 | +15.41 | 17.48 | 14.87% | 0.63% | 4.69% |
| 2023-12 | +1.86% | +27.14% | 0.48% | -0.72% | 0.24 | 6.44% | -0.01 | +15.07 | 17.26 | 18.31% | 23.52% | 15.82% |
| 2023-11 | +3.28% | +24.82% | 0.48% | -0.60% | 0.13 | 6.48% | -0.47 | +15.08 | 16.96 | 17.81% | 24.23% | 15.57% |
| 2023-10 | -2.57% | +20.86% | 0.48% | -0.72% | -0.03 | 6.33% | -0.01 | +15.55 | 16.89 | 19.36% | 25.64% | 12.26% |
| 2023-09 | -1.22% | +24.04% | 0.48% | -0.72% | 0.12 | 6.23% | +0.20 | +15.56 | 17.35 | 19.54% | 21.90% | 11.82% |
| 2023-08 | -0.23% | +25.58% | 0.48% | -0.72% | 0.22 | 6.20% | +1.16 | +15.36 | 17.37 | 22.86% | 26.89% | 13.53% |
| 2023-07 | +1.83% | +25.87% | 0.48% | -0.72% | 0.27 | 6.20% | +0.01 | +14.20 | 16.24 | 24.88% | 30.54% | 16.44% |
| 2023-06 | +1.21% | +23.60% | 0.48% | -0.84% | 0.20 | 6.17% | -0.63 | +14.19 | 15.94 | 24.65% | 25.66% | 15.62% |
| 2023-05 | +0.80% | +22.13% | 0.48% | -0.96% | 0.16 | 6.15% | -0.16 | +14.82 | 16.38 | 24.42% | 28.82% | 14.96% |
| 2023-04 | +1.00% | +21.16% | 0.48% | -0.96% | 0.13 | 6.15% | -0.07 | +14.98 | 16.42 | 24.12% | 28.68% | 15.10% |
| 2023-03 | +0.72% | +19.96% | 0.48% | -1.08% | 0.10 | 6.14% | -0.08 | +15.05 | 16.32 | 24.75% | 25.92% | 15.38% |
| 2023-02 | -2.15% | +19.10% | 0.48% | -0.96% | 0.08 | 6.14% | -0.08 | +15.13 | 16.29 | 25.11% | 29.28% | 15.53% |
| 2023-01 | +2.10% | +21.72% | 0.48% | -0.84% | 0.21 | 6.06% | -0.73 | +15.21 | 16.73 | 25.04% | 28.93% | 16.74% |
| 2022-12 | -1.13% | +19.21% | 0.50% | -0.84% | 0.13 | 6.01% | -0.75 | +15.94 | 17.11 | 23.96% | 28.58% | 16.13% |
| 2022-11 | +0.98% | +20.58% | 0.50% | -0.84% | 0.22 | 5.99% | +0.04 | +16.69 | 18.06 | 23.20% | 26.36% | 15.78% |
| 2022-10 | +1.34% | +19.41% | 0.50% | -1.08% | 0.19 | 5.98% | +0.37 | +16.65 | 17.85 | 22.46% | 24.87% | 14.57% |
| 2022-09 | -2.94% | +17.83% | 0.50% | -0.96% | 0.14 | 5.96% | +0.20 | +16.28 | 17.25 | 18.14% | 22.43% | 12.35% |
| 2022-08 | -1.49% | +21.40% | 0.50% | -1.08% | 0.33 | 5.79% | +0.85 | +16.08 | 17.57 | 17.81% | 22.20% | 12.86% |
| 2022-07 | +2.06% | +23.23% | 0.50% | -1.08% | 0.45 | 5.74% | +1.43 | +15.23 | 16.99 | 18.89% | 22.84% | 12.71% |
| 2022-06 | -1.29% | +20.74% | 0.50% | -1.08% | 0.36 | 5.70% | -0.02 | +13.80 | 15.23 | 20.42% | 19.83% | 12.93% |
| 2022-05 | -2.17% | +22.32% | 0.50% | -0.96% | 0.43 | 5.67% | -0.60 | +13.82 | 15.46 | 21.28% | 25.74% | 14.42% |
| 2022-04 | -1.02% | +25.04% | 0.50% | -1.08% | 0.60 | 5.57% | +0.92 | +14.42 | 16.42 | 20.46% | 23.63% | 13.58% |
| 2022-03 | -0.18% | +26.32% | 0.50% | -1.20% | 0.69 | 5.54% | +0.47 | +13.50 | 15.67 | 22.21% | 20.42% | 14.61% |
| 2022-02 | -1.11% | +26.55% | 0.50% | -1.20% | 0.71 | 5.54% | +0.05 | +13.03 | 15.23 | 21.54% | 26.07% | 14.90% |
| 2022-01 | -1.44% | +27.97% | 0.50% | -1.08% | 0.80 | 5.50% | +1.88 | +12.98 | 15.36 | 20.18% | 24.41% | 14.06% |
| 2021-12 | +0.67% | +29.84% | 0.50% | -1.08% | 0.91 | 5.44% | -0.49 | +11.10 | 13.68 | 22.59% | 20.83% | 19.08% |
| 2021-11 | +0.25% | +28.98% | 0.50% | -1.08% | 0.89 | 5.44% | +0.26 | +11.59 | 14.08 | 21.52% | 25.85% | 19.67% |
| 2021-10 | +1.18% | +28.66% | 0.50% | -0.96% | 0.88 | 5.45% | +0.10 | +11.33 | 13.79 | 22.12% | 26.90% | 20.52% |
| 2021-09 | -0.41% | +27.16% | 0.50% | -0.84% | 0.82 | 5.44% | -0.61 | +11.23 | 13.54 | 21.79% | 23.49% | 20.31% |
| 2021-08 | +0.99% | +27.68% | 0.50% | -0.84% | 0.85 | 5.44% | -0.03 | +11.84 | 14.22 | 22.15% | 27.99% | 21.31% |
| 2021-07 | +0.46% | +26.43% | 0.50% | -0.60% | 0.79 | 5.44% | +0.80 | +11.87 | 14.11 | 21.97% | 28.35% | 21.47% |
| 2021-06 | +0.51% | +25.85% | 0.50% | -0.72% | 0.80 | 5.47% | -0.08 | +11.07 | 13.26 | 23.38% | 25.87% | 23.53% |
| 2021-05 | +0.88% | +25.21% | 0.50% | -0.72% | 0.78 | 5.47% | -0.22 | +11.15 | 13.28 | 23.04% | 29.37% | 23.49% |
| 2021-04 | +1.04% | +24.12% | 0.50% | -0.72% | 0.74 | 5.46% | -0.01 | +11.37 | 13.39 | 22.63% | 29.57% | 23.60% |
| 2021-03 | +1.13% | +22.84% | 0.50% | -0.72% | 0.71 | 5.46% | -0.25 | +11.38 | 13.26 | 23.23% | 26.02% | 23.91% |
| 2021-02 | +0.14% | +21.47% | 0.50% | -0.60% | 0.66 | 5.45% | +2.14 | +11.63 | 13.38 | 18.24% | 24.51% | 19.21% |
| 2021-01 | +0.95% | +21.30% | 0.50% | — | — | — | -0.39 | +9.49 | 11.23 | 19.50% | 26.45% | 20.57% |
| 2020-12 | +1.11% | +20.16% | 0.51% | — | — | — | +0.19 | +9.88 | 11.52 | 22.14% | 24.83% | 22.66% |
| 2020-11 | +3.32% | +18.84% | 0.51% | — | — | — | +0.08 | +9.69 | 11.21 | 23.82% | 31.04% | 23.64% |
| 2020-10 | +0.14% | +15.02% | 0.51% | — | — | — | -0.07 | +9.61 | 10.78 | 22.82% | 30.52% | 22.91% |
| 2020-09 | -1.34% | +14.86% | 0.51% | — | — | — | -0.33 | +9.68 | 10.85 | 22.40% | 26.36% | 22.76% |
| 2020-08 | +1.95% | +16.42% | 0.51% | — | — | — | +0.06 | +10.01 | 11.33 | 21.45% | 30.36% | 19.42% |
| 2020-07 | +1.92% | +14.19% | 0.51% | — | — | — | -0.42 | +9.95 | 11.06 | 21.07% | 30.56% | 19.44% |
| 2020-06 | -0.64% | +12.04% | 0.51% | — | — | — | -0.32 | +10.37 | 11.27 | 21.65% | 27.06% | 19.70% |
| 2020-05 | +1.55% | +12.76% | 0.51% | — | — | — | -0.63 | +10.69 | 11.67 | 22.54% | 32.39% | 21.77% |
| 2020-04 | +4.39% | +11.04% | 0.51% | — | — | — | +0.46 | +11.32 | 12.12 | 21.86% | 29.13% | 19.39% |
| 2020-03 | -8.64% | +6.37% | 0.51% | — | — | — | -1.28 | +10.86 | 11.17 | 20.05% | 26.14% | 19.25% |
| 2020-02 | -1.45% | +16.43% | 0.51% | — | — | — | -0.80 | +12.14 | 13.53 | 19.81% | 27.57% | 18.85% |
| 2020-01 | +0.20% | +18.14% | 0.51% | — | — | — | +0.14 | +12.94 | 14.53 | 20.78% | 27.94% | 20.51% |
| 2019-12 | +0.61% | +17.91% | 0.60% | — | — | — | +0.04 | +12.80 | 14.37 | 21.85% | 26.30% | 20.74% |
| 2019-11 | +0.52% | +17.19% | 0.60% | — | — | — | +0.06 | +12.76 | 14.25 | 22.95% | 28.42% | 22.46% |
| 2019-10 | +1.04% | +16.59% | 0.60% | — | — | — | +0.62 | +12.70 | 14.13 | 23.21% | 27.11% | 20.81% |
| 2019-09 | +1.03% | +15.39% | 0.60% | — | — | — | +1.06 | +12.08 | 13.37 | 22.66% | 26.93% | 21.32% |
| 2019-08 | -0.46% | +14.21% | 0.60% | — | — | — | +0.19 | +11.02 | 12.19 | 21.00% | 26.74% | 21.58% |
| 2019-07 | +0.53% | +14.74% | 0.60% | — | — | — | -0.05 | +10.83 | 12.06 | 20.15% | 27.03% | 21.89% |
| 2019-06 | +1.39% | +14.13% | 0.60% | — | — | — | +0.06 | +10.88 | 12.05 | 20.17% | 28.22% | 21.74% |
| 2019-05 | -0.63% | +12.57% | 0.60% | — | — | — | +0.07 | +10.82 | 11.83 | 19.78% | 26.97% | 21.64% |
| 2019-04 | +1.18% | +13.28% | 0.60% | — | — | — | -0.27 | +10.75 | 11.82 | 20.64% | 27.66% | 22.00% |
| 2019-03 | +0.73% | +11.96% | 0.60% | — | — | — | +0.83 | +11.02 | 11.95 | 22.18% | 28.20% | 21.92% |
| 2019-02 | +1.00% | +11.15% | 0.60% | — | — | — | -0.21 | +10.19 | 11.04 | 22.19% | 27.26% | 23.28% |
| 2019-01 | +2.02% | +10.05% | 0.60% | — | — | — | +0.26 | +10.40 | 11.15 | 21.79% | 26.82% | 23.14% |
| 2018-12 | -2.00% | +7.87% | 0.49% | — | — | — | +0.23 | +10.14 | 10.67 | 19.96% | 27.09% | 22.31% |
| 2018-11 | +0.14% | +10.07% | 0.49% | — | — | — | -0.05 | +9.91 | 10.66 | 22.61% | 27.49% | 24.48% |
| 2018-10 | -1.15% | +9.92% | 0.49% | — | — | — | +0.41 | +9.96 | 10.70 | 20.19% | 25.42% | 21.31% |
| 2018-09 | +0.03% | +11.20% | 0.49% | — | — | — | +0.03 | +9.55 | 10.41 | 20.85% | 26.51% | 22.00% |
| 2018-08 | +0.59% | +11.16% | 0.49% | — | — | — | -0.11 | +9.52 | 10.38 | 21.00% | 26.40% | 22.35% |
| 2018-07 | +1.04% | +10.51% | 0.49% | — | — | — | +0.40 | +9.63 | 10.43 | 20.33% | 26.75% | 22.72% |
| 2018-06 | -0.09% | +9.37% | 0.49% | — | — | — | +0.17 | +9.23 | 9.93 | 20.75% | 27.19% | 22.66% |
| 2018-05 | -0.24% | +9.47% | 0.49% | — | — | — | +0.77 | +9.06 | 9.77 | 19.65% | 24.97% | 20.98% |
| 2018-04 | +0.57% | +9.74% | 0.49% | — | — | — | +0.66 | +8.29 | 9.03 | 19.05% | 24.70% | 20.71% |
| 2018-03 | -0.03% | +9.11% | 0.49% | — | — | — | +0.74 | +7.63 | 8.33 | 19.69% | 25.45% | 22.81% |
| 2018-02 | -0.77% | +9.15% | 0.49% | — | — | — | -0.11 | +6.89 | 7.59 | 20.55% | 23.98% | 20.82% |
| 2018-01 | +1.13% | +9.99% | 0.49% | — | — | — | +0.02 | +7.00 | 7.77 | 20.46% | 21.88% | 19.69% |
| 2017-12 | +0.58% | +8.76% | 0.45% | — | — | — | -0.05 | +6.98 | 7.66 | 20.23% | 23.24% | 19.71% |
| 2017-11 | +0.63% | +8.14% | 0.45% | — | — | — | -0.03 | +7.03 | 7.67 | 20.60% | 22.69% | 20.08% |
| 2017-10 | +0.73% | +7.46% | 0.45% | — | — | — | -0.11 | +7.06 | 7.65 | 19.74% | 22.75% | 19.87% |
| 2017-09 | +0.08% | +6.68% | 0.45% | — | — | — | +0.04 | +7.17 | 7.71 | 18.94% | 22.70% | 19.71% |
| 2017-08 | +0.69% | +6.60% | 0.45% | — | — | — | +0.05 | +7.13 | 7.66 | 18.93% | 21.80% | 19.32% |
| 2017-07 | +1.09% | +5.87% | 0.45% | — | — | — | +0.02 | +7.08 | 7.57 | 19.15% | 21.80% | 19.42% |
| 2017-06 | -0.65% | +4.72% | 0.45% | — | — | — | +0.36 | +7.06 | 7.47 | 18.88% | 21.95% | 18.61% |
| 2017-05 | +0.86% | +5.41% | 0.45% | — | — | — | +0.67 | +6.70 | 7.16 | 19.55% | 22.07% | 18.85% |
| 2017-04 | +1.04% | +4.51% | 0.45% | — | — | — | +0.82 | +6.03 | 6.43 | 18.66% | 22.71% | 18.35% |
| 2017-03 | +0.13% | +3.44% | 0.45% | — | — | — | -0.07 | +5.21 | 5.56 | 21.58% | 25.00% | 19.96% |
| 2017-02 | +0.33% | +3.30% | 0.45% | — | — | — | +0.76 | +5.28 | 5.62 | 21.35% | 25.09% | 19.75% |
| 2017-01 | -0.19% | +2.96% | 0.45% | — | — | — | +1.07 | +4.52 | 4.85 | 22.06% | 23.09% | 20.62% |
| 2016-12 | +0.83% | +3.16% | — | — | — | — | -0.83 | +3.45 | 3.80 | 21.32% | 27.11% | 23.95% |
| 2016-11 | -0.17% | +2.31% | — | — | — | — | +0.27 | +4.28 | 4.59 | 22.44% | 22.00% | 19.39% |
| 2016-10 | +0.07% | +2.48% | — | — | — | — | +0.55 | +4.01 | 4.34 | 22.58% | 22.81% | 19.82% |
| 2016-09 | -0.57% | +2.41% | — | — | — | — | +0.29 | +3.46 | 3.80 | 21.32% | 22.11% | 18.95% |
| 2016-08 | -0.28% | +3.00% | — | — | — | — | +0.51 | +3.17 | 3.53 | 23.23% | 23.80% | 22.95% |
| 2016-07 | +1.43% | +3.29% | — | — | — | — | +0.27 | +2.66 | 3.03 | 20.79% | 20.46% | 19.47% |
| 2016-06 | +0.15% | +1.83% | — | — | — | — | +0.09 | +2.39 | 2.73 | 21.25% | 20.88% | 19.78% |
| 2016-05 | +0.25% | +1.68% | — | — | — | — | +0.39 | +2.30 | 2.63 | 21.67% | 20.53% | 19.77% |
| 2016-04 | +0.94% | +1.42% | — | — | — | — | +0.52 | +1.91 | 2.24 | 18.30% | 22.32% | 14.73% |
| 2016-03 | +0.48% | +0.48% | — | — | — | — | +1.39 | +1.39 | 1.70 | 23.53% | 32.35% | 30.00% |
המידע המוצג באתר מבוסס על נתונים היסטוריים ומיועד למטרות מידע כללי בלבד. הוא אינו מהווה ייעוץ פנסיוני, ייעוץ השקעות או המלצה לפעולה, ואינו תחליף לייעוץ מקצועי מותאם אישית.