נתונים היסטוריים מלאים עבור כלל השתלמות הלכה, 184 חודשים. לצפייה בגרפים אינטראקטיביים וזום לתאריכים — עברו לכלי ההשוואה.

מזהה קרן: 1534 | שם קרן: כלל השתלמות הלכה | סיווג קרן: קרנות השתלמות | חברה שולטת: אחר | חברה מנהלת: כלל פנסיה וגמל בע"מ | אוכלוסיית יעד: כלל האוכלוסיה | התמחות: הלכתי | תת התמחות: הלכה יהודית.

למערכת הגרפים וההשוואה מעבר לגרפים אינטראקטיביים, זום ותצוגת מדדים
חודשים בטווח 184
תשואה חודשית אחרונה +1.75%
תשואה מצטברת מההתחלה +117.83%
חודש תשואה חודשית תשואה מצטברת דמי ניהול שנתיים אלפא שארפ סטיית תקן הפקדות נטו
(מ׳ ש״ח)
סך הנכסים
(מ׳ ש״ח)
חשיפה למניות חשיפה לחו״ל חשיפה למט״ח
2026-05 +1.75% +117.83% 0.56% -0.60% 1.04 5.86% +5.85 357.38 49.62% 31.28% 18.87%
2026-04 +3.87% +114.08% 0.56% -1.08% 0.99 5.84% +3.06 345.63 49.20% 30.56% 18.87%
2026-03 -2.53% +106.11% 0.56% -1.20% 0.85 5.65% +4.56 329.93 48.99% 31.95% 18.58%
2026-02 +0.77% +111.46% 0.56% -1.08% 1.14 5.49% +3.67 334.03 50.33% 32.54% 19.31%
2026-01 +2.73% +109.84% 0.56% -0.96% 1.12 5.49% +1.91 327.99 50.47% 32.85% 19.08%
2025-12 +1.10% +104.27% 0.57% -1.08% 1.02 5.41% +2.04 317.58 50.14% 32.91% 18.43%
2025-11 +1.11% +102.04% 0.57% -0.96% 1.01 5.43% +0.92 312.23 50.33% 33.21% 19.90%
2025-10 +1.44% +99.83% 0.57% -0.96% 1.03 5.67% +1.22 308.06 49.76% 33.27% 20.24%
2025-09 +2.12% +96.99% 0.57% -1.20% 0.96 5.68% +1.27 302.61 50.43% 35.15% 21.38%
2025-08 +0.87% +92.90% 0.57% -1.20% 0.83 5.73% -0.54 295.21 49.96% 33.48% 21.15%
2025-07 +1.17% +91.24% 0.57% -1.32% 0.83 5.76% -2.30 293.33 51.32% 34.96% 20.51%
2025-06 +3.48% +89.02% 0.57% -1.32% 0.83 5.81% -0.75 292.33 50.75% 35.66% 20.88%
2025-05 +2.29% +82.67% 0.57% -0.96% 0.66 5.68% -0.98 283.37 50.39% 37.36% 21.99%
2025-04 +0.80% +78.58% 0.57% -0.84% 0.58 5.64% +0.32 278.13 48.06% 38.55% 22.81%
2025-03 -1.34% +77.16% 0.57% -0.72% 0.62 5.96% +1.48 275.69 48.75% 37.16% 22.29%
2025-02 -0.01% +79.57% 0.57% -1.08% 0.51 7.34% -3.17 278.06 49.40% 37.08% 22.69%
2025-01 +1.30% +79.58% 0.57% -0.60% 0.50 7.42% -3.30 281.36 49.27% 38.43% 22.99%
2024-12 +0.48% +77.28% 0.59% -0.72% 0.45 7.41% -3.37 281.14 48.52% 36.72% 22.29%
2024-11 +1.84% +76.43% 0.59% -0.48% 0.47 7.41% -1.40 283.28 49.36% 38.72% 23.90%
2024-10 +0.24% +73.25% 0.59% -0.60% 0.41 7.39% -1.28 279.68 45.90% 35.57% 23.86%
2024-09 +1.58% +72.83% 0.59% -0.60% 0.44 7.40% -0.98 280.41 46.56% 36.20% 25.54%
2024-08 +1.01% +70.14% 0.59% 0.37 7.39% -2.02 277.15 46.00% 35.62% 25.05%
2024-07 +1.42% +68.44% 0.59% -0.48% 0.36 7.40% -3.33 276.53 45.63% 36.46% 24.46%
2024-06 +0.75% +66.08% 0.59% -0.36% 0.32 7.38% -0.68 276.11 46.34% 36.48% 25.21%
2024-05 +0.81% +64.85% 0.59% -0.60% 0.33 7.41% -1.97 274.86 46.04% 36.08% 25.22%
2024-04 -1.65% +63.52% 0.59% -0.72% 0.29 7.46% +1.39 274.73 43.78% 34.70% 24.66%
2024-03 +2.29% +66.27% 0.59% -0.72% 0.42 7.43% -0.39 278.08 45.44% 34.42% 25.41%
2024-02 +1.94% +62.54% 0.59% -0.60% 0.34 7.38% -1.30 272.36 45.27% 34.39% 24.65%
2024-01 -0.01% +59.45% 0.59% -0.60% 0.28 7.36% +1.04 268.57 44.49% 33.65% 24.84%
2023-12 +2.57% +59.47% 0.59% -0.60% 0.34 7.43% -0.54 267.67 44.32% 35.10% 25.90%
2023-11 +3.41% +55.47% 0.59% -0.60% 0.20 7.51% +1.26 261.60 45.90% 38.76% 26.62%
2023-10 -2.84% +50.34% 0.59% -0.72% 0.06 7.38% +2.07 251.84 42.48% 38.71% 26.37%
2023-09 -1.49% +54.74% 0.59% -0.96% 0.19 7.32% +3.20 257.23 42.41% 36.47% 25.09%
2023-08 -0.14% +57.08% 0.59% -0.84% 0.29 7.28% +1.07 258.03 43.46% 38.22% 25.39%
2023-07 +2.37% +57.30% 0.59% -0.96% 0.34 7.29% +3.60 257.42 41.66% 37.79% 25.82%
2023-06 +1.47% +53.66% 0.59% -0.96% 0.27 7.25% +2.62 248.03 42.79% 38.42% 24.87%
2023-05 +0.76% +51.43% 0.59% -1.08% 0.22 7.23% +3.54 241.96 40.40% 34.45% 23.92%
2023-04 +1.44% +50.29% 0.59% -1.08% 0.20 7.23% +3.31 236.75 39.31% 33.34% 24.20%
2023-03 +0.56% +48.16% 0.59% -1.32% 0.16 7.21% +2.57 230.22 39.65% 34.20% 24.44%
2023-02 -1.58% +47.33% 0.59% -1.20% 0.14 7.22% +1.25 226.47 39.86% 33.85% 24.44%
2023-01 +2.18% +49.70% 0.59% -1.20% 0.21 7.22% +2.51 228.95 41.23% 33.66% 23.09%
2022-12 -1.71% +46.50% 0.64% -1.20% 0.15 7.19% +5.25 221.72 39.89% 31.22% 20.39%
2022-11 +0.32% +49.05% 0.64% -1.20% 0.26 7.14% +3.57 220.34 39.09% 29.96% 21.21%
2022-10 +1.88% +48.57% 0.64% -1.32% 0.27 7.15% +5.36 216.20 41.28% 31.21% 20.53%
2022-09 -3.68% +45.83% 0.64% -1.20% 0.20 7.12% +4.76 206.99 42.67% 32.82% 18.75%
2022-08 -1.16% +51.41% 0.64% -1.20% 0.41 6.89% +4.34 210.13 42.89% 31.27% 19.87%
2022-07 +3.16% +53.18% 0.64% -1.20% 0.49 6.86% +2.94 208.38 45.43% 34.67% 20.79%
2022-06 -1.84% +48.49% 0.64% -1.44% 0.36 6.75% +2.24 199.20 42.64% 32.06% 18.97%
2022-05 -2.46% +51.27% 0.64% -1.20% 0.46 6.70% +2.52 200.71 45.12% 33.71% 19.07%
2022-04 -1.27% +55.09% 0.64% -1.32% 0.62 6.59% +2.64 203.25 46.29% 33.56% 18.28%
2022-03 +0.58% +57.08% 0.64% -1.32% 0.71 6.55% +3.94 203.31 45.19% 34.32% 17.47%
2022-02 -0.64% +56.18% 0.64% -1.32% 0.69 6.55% +2.67 198.28 47.83% 37.33% 15.88%
2022-01 -2.00% +57.18% 0.64% -1.32% 0.74 6.53% +2.30 196.98 46.33% 32.93% 16.47%
2021-12 +1.72% +60.39% 0.70% -0.96% 0.87 6.45% +2.74 198.79 45.78% 33.11% 16.21%
2021-11 -0.58% +57.68% 0.70% -1.08% 0.81 6.42% +2.91 192.82 45.65% 33.35% 16.50%
2021-10 +1.92% +58.60% 0.70% -0.84% 0.85 6.41% +2.62 191.14 47.35% 34.17% 18.78%
2021-09 -0.44% +55.61% 0.70% -0.72% 0.77 6.37% +2.58 185.07 45.99% 32.84% 18.83%
2021-08 +1.09% +56.30% 0.70% -0.60% 0.79 6.38% +3.50 183.40 45.88% 32.96% 19.98%
2021-07 -0.14% +54.61% 0.70% -0.36% 0.74 6.37% +2.64 178.01 46.28% 35.07% 20.46%
2021-06 +0.46% +54.83% 0.70% -0.36% 0.79 6.40% +2.38 175.71 46.89% 37.42% 21.09%
2021-05 +1.04% +54.12% 0.70% -0.36% 0.77 6.41% +2.09 172.63 47.85% 35.91% 21.02%
2021-04 +1.27% +52.54% 0.70% -0.36% 0.73 6.40% +1.35 168.84 43.88% 34.13% 22.28%
2021-03 +1.36% +50.62% 0.70% -0.36% 0.69 6.40% +1.36 165.47 45.45% 36.81% 22.67%
2021-02 +0.18% +48.60% 0.70% -0.12% 0.64 6.39% +1.53 162.02 43.83% 33.24% 22.24%
2021-01 +1.24% +48.33% 0.70% -0.48% 0.63 6.40% +0.88 160.30 44.35% 32.91% 22.88%
2020-12 +1.67% +46.52% 0.75% -0.48% 0.55 6.45% +1.85 157.56 43.01% 32.93% 21.86%
2020-11 +4.30% +44.11% 0.75% -0.60% 0.47 6.46% +0.89 153.22 42.53% 30.94% 21.79%
2020-10 -0.33% +38.17% 0.75% -0.48% 0.28 6.20% +0.58 146.14 36.77% 32.02% 22.46%
2020-09 -1.76% +38.63% 0.75% -0.24% 0.34 6.31% +1.43 146.11 36.94% 34.54% 22.31%
2020-08 +1.93% +41.11% 0.75% -0.24% 0.40 6.34% +1.18 147.37 38.72% 31.47% 21.45%
2020-07 +2.27% +38.44% 0.75% -0.24% 0.28 6.39% +1.23 143.50 36.72% 31.48% 21.62%
2020-06 -0.73% +35.37% 0.75% -0.24% 0.20 6.34% +1.14 139.19 36.30% 30.08% 20.05%
2020-05 +1.31% +36.36% 0.75% -0.24% 0.20 6.46% +1.82 139.16 36.25% 28.00% 20.59%
2020-04 +4.83% +34.60% 0.75% -0.48% 0.15 6.44% +2.43 135.61 35.10% 27.20% 19.76%
2020-03 -9.17% +28.40% 0.75% -0.36% -0.08 6.07% +1.84 127.09 33.19% 26.05% 19.80%
2020-02 -2.08% +41.36% 0.75% +0.00% 0.63 4.40% +1.58 137.89 33.87% 26.25% 18.17%
2020-01 +0.04% +44.36% 0.75% -0.12% 0.88 4.41% +1.90 139.33 37.08% 28.01% 19.25%
2019-12 +0.89% +44.30% 0.82% -0.12% 0.92 4.42% +0.86 137.47 36.52% 28.86% 18.59%
2019-11 +0.77% +43.03% 0.82% -0.36% 0.82 4.49% +1.49 135.50 40.11% 31.45% 18.50%
2019-10 +1.32% +41.94% 0.82% -0.24% 0.81 4.53% +2.15 133.06 39.43% 31.25% 18.34%
2019-09 +1.39% +40.09% 0.82% -0.36% 0.71 4.52% +1.36 129.27 37.84% 29.02% 18.25%
2019-08 -0.61% +38.17% 0.82% -0.48% 0.63 4.49% +2.86 126.24 34.37% 27.01% 18.03%
2019-07 +0.58% +39.02% 0.82% -0.48% 0.73 4.53% +1.20 124.21 36.47% 28.74% 18.55%
2019-06 +1.80% +38.21% 0.82% -0.48% 0.69 4.53% +2.01 122.37 37.13% 28.99% 19.87%
2019-05 -1.65% +35.77% 0.82% -0.48% 0.56 4.48% +1.54 118.30 32.90% 24.55% 19.34%
2019-04 +1.65% +38.05% 0.82% -0.36% 0.74 4.41% +1.63 118.80 37.95% 29.18% 21.12%
2019-03 +0.82% +35.81% 0.82% -0.48% 0.63 4.37% +0.73 115.32 36.33% 28.37% 21.08%
2019-02 +1.18% +34.70% 0.82% -0.48% 0.59 4.37% +1.88 113.74 36.50% 28.23% 20.85%
2019-01 +2.72% +33.13% 0.82% -0.48% 0.54 4.40% +1.71 110.64 37.55% 29.09% 20.82%
2018-12 -2.98% +29.61% 0.92% -0.60% 0.35 4.26% +1.66 106.10 36.98% 28.66% 20.54%
2018-11 +0.21% +33.59% 0.92% -0.48% 0.65 4.02% +2.52 107.75 36.41% 28.18% 21.84%
2018-10 -2.16% +33.31% 0.92% -0.48% 0.68 4.08% +2.31 105.08 36.27% 28.15% 18.80%
2018-09 +0.05% +36.25% 0.92% -0.24% 0.97 3.96% +1.37 105.16 36.50% 27.95% 19.75%
2018-08 +1.06% +36.18% 0.92% -0.36% 1.02 4.05% +2.60 103.79 36.72% 28.01% 19.84%
2018-07 +1.57% +34.75% 0.92% -0.24% 0.91 4.08% +2.95 100.17 36.84% 28.75% 19.69%
2018-06 +0.12% +32.67% 0.92% -0.36% 0.83 4.09% +1.82 95.78 38.05% 29.91% 19.13%
2018-05 +0.12% +32.51% 0.92% -0.36% 0.77 4.21% +1.91 93.92 36.93% 28.63% 18.36%
2018-04 +0.85% +32.35% 0.92% -0.12% 0.79 4.24% +1.92 91.98 37.55% 29.67% 18.55%
2018-03 -0.77% +31.24% 0.92% -0.12% 0.75 4.24% +0.17 89.38 36.72% 28.50% 17.90%
2018-02 -1.53% +32.26% 0.92% -0.12% 0.84 4.21% +2.11 89.97 36.67% 25.66% 17.02%
2018-01 +1.52% +34.31% 0.92% -0.12% 1.04 4.13% +1.76 89.29 35.47% 26.51% 17.81%
2017-12 +0.64% +32.30% 0.97% -0.12% 0.94 4.09% +2.34 86.23 36.02% 28.23% 16.04%
2017-11 +0.81% +31.46% 0.97% +0.00% 0.88 4.11% +1.25 83.39 38.72% 29.87% 16.62%
2017-10 +1.08% +30.40% 0.97% +0.00% 0.82 4.10% +0.91 81.55 37.45% 30.68% 15.54%
2017-09 +0.32% +29.01% 0.97% -0.12% 0.76 4.09% +1.50 79.84 36.32% 29.66% 15.39%
2017-08 +0.22% +28.60% 0.97% -0.12% 0.78 4.15% +3.04 78.17 36.74% 30.37% 15.27%
2017-07 +1.23% +28.32% 0.97% -0.12% 0.77 4.15% +1.53 75.02 36.95% 29.83% 15.62%
2017-06 -0.76% +26.76% 0.97% -0.12% 0.73 4.26% +1.74 72.66 37.19% 30.39% 15.61%
2017-05 +1.04% +27.73% 0.97% +0.00% 0.81 4.23% +1.21 71.54 35.57% 26.38% 16.16%
2017-04 +0.93% +26.41% 0.97% +0.00% 0.66 4.37% +1.34 69.61 35.87% 27.08% 16.66%
2017-03 +0.08% +25.25% 0.97% -0.12% 0.62 4.37% +0.54 67.74 35.84% 26.99% 16.84%
2017-02 +0.51% +25.15% 0.97% -0.24% 0.63 4.38% +0.28 67.23 35.59% 26.10% 15.65%
2017-01 -0.09% +24.51% 0.97% -0.24% 0.61 4.38% +0.42 66.50 36.56% 27.10% 15.52%
2016-12 +0.81% +24.63% 1.04% -0.12% 0.66 4.43% +0.73 66.36 35.76% 25.81% 15.39%
2016-11 +0.30% +23.62% 1.04% -0.12% 0.61 4.43% +1.21 64.94 34.20% 25.24% 15.26%
2016-10 +0.09% +23.25% 1.04% -0.24% 0.57 4.45% +1.32 63.58 32.37% 22.51% 13.98%
2016-09 -0.58% +23.14% 1.04% -0.12% 0.64 4.70% +0.75 62.26 32.73% 23.14% 13.11%
2016-08 -0.05% +23.86% 1.04% -0.48% 0.63 4.82% +0.06 61.91 33.03% 24.65% 14.59%
2016-07 +1.85% +23.92% 1.04% -0.48% 0.57 4.99% +0.87 61.93 32.99% 23.12% 13.95%
2016-06 -0.35% +21.67% 1.04% -0.60% 0.45 4.94% +1.10 59.99 33.54% 24.07% 14.12%
2016-05 +0.21% +22.10% 1.04% -0.36% 0.46 4.95% +1.35 59.14 32.62% 22.98% 13.34%
2016-04 +0.88% +21.84% 1.04% -0.24% 0.45 4.95% +1.05 57.71 32.25% 22.80% 13.31%
2016-03 +1.02% +20.78% 1.04% -0.36% 0.39 4.94% +0.83 56.21 32.54% 22.47% 13.18%
2016-02 -0.72% +19.56% 1.04% -0.36% 0.31 4.95% +0.27 54.86 32.77% 22.60% 13.34%
2016-01 -1.57% +20.43% 1.04% +0.24% 0.39 4.95% +0.58 55.03 34.94% 24.50% 13.81%
2015-12 -1.23% +22.35% 1.08% +1.23 55.65 36.46% 25.52% 16.80%
2015-11 -0.35% +23.87% 1.08% +1.08 54.87 37.05% 26.17% 17.53%
2015-10 +2.91% +24.31% 1.08% +1.12 54.02 36.73% 25.38% 16.96%
2015-09 -2.16% +20.79% 1.08% +1.71 51.43 35.29% 24.95% 15.13%
2015-08 -2.25% +23.46% 1.08% +0.71 50.91 37.48% 26.18% 15.44%
2015-07 +1.40% +26.30% 1.08% +1.34 51.42 39.11% 26.74% 16.43%
2015-06 -2.71% +24.56% 1.08% +1.15 49.43 39.27% 27.05% 16.08%
2015-05 +0.44% +28.03% 1.08% +0.62 49.70 40.34% 28.21% 17.08%
2015-04 +0.61% +27.47% 1.08% +0.48 48.93 39.79% 27.82% 17.00%
2015-03 +0.67% +26.69% 1.08% +1.55 48.17 39.84% 28.38% 17.06%
2015-02 +2.67% +25.85% 1.08% +1.22 46.32 37.35% 27.78% 17.68%
2015-01 +0.91% +22.58% 1.08% +0.89 43.94 35.91% 26.63% 16.93%
2014-12 -1.50% +21.47% 1.14% +0.86 42.87 36.90% 27.20% 15.89%
2014-11 +1.83% +23.32% 1.14% +0.98 42.55 36.83% 28.16% 14.69%
2014-10 -0.38% +21.11% 1.14% +1.05 40.84 36.51% 27.74% 13.96%
2014-09 +0.38% +21.57% 1.14% +0.88 39.99 36.76% 27.58% 14.45%
2014-08 +1.80% +21.11% 1.14% +0.42 38.99 35.01% 25.42% 15.13%
2014-07 -0.15% +18.97% 1.14% +0.84 37.92 34.78% 23.81% 14.64%
2014-06 -0.24% +19.15% 1.14% +1.78 37.17 32.20% 22.63% 14.45%
2014-05 +1.00% +19.43% 1.14% +0.77 35.52 33.78% 21.79% 15.03%
2014-04 -0.10% +18.25% 1.14% +0.81 34.43 34.27% 19.05% 15.02%
2014-03 +0.75% +18.37% 1.14% +0.69 33.70 33.80% 18.99% 14.84%
2014-02 +1.77% +17.49% 1.14% +0.60 32.78 34.14% 19.59% 15.31%
2014-01 -0.45% +15.44% 1.14% +0.96 31.65 32.13% 17.98% 14.57%
2013-12 -0.46% +15.96% 1.29% +0.47 31.24 32.49% 18.92% 15.11%
2013-11 +1.81% +16.50% 1.29% +0.50 30.55 35.42% 20.36% 15.42%
2013-10 +1.27% +14.43% 1.29% +1.24 29.53 34.47% 20.08% 14.93%
2013-09 +2.29% +12.99% 1.29% +0.93 27.93 32.37% 19.30% 14.93%
2013-08 -0.94% +10.47% 1.29% +1.04 26.41 32.87% 19.99% 15.79%
2013-07 +1.78% +11.51% 1.29% +0.71 25.64 38.46% 20.59% 15.09%
2013-06 -1.88% +9.56% 1.29% +0.21 24.52 37.15% 18.84% 13.91%
2013-05 +1.38% +11.66% 1.29% +1.10 24.81 37.20% 18.58% 14.23%
2013-04 +0.78% +10.14% 1.29% +0.52 23.40 38.12% 18.89% 14.36%
2013-03 +0.46% +9.29% 1.29% +0.77 22.72 34.07% 18.75% 14.00%
2013-02 +0.87% +8.79% 1.29% +0.31 21.86 34.31% 19.03% 15.19%
2013-01 +0.49% +7.85% 1.29% +1.03 21.38 33.44% 17.63% 15.11%
2012-12 -0.37% +7.33% 1.40% +0.75 20.73 32.51% 16.11% 14.33%
2012-11 +0.43% +7.72% 1.40% +0.47 19.62 33.28% 17.13% 15.60%
2012-10 +0.76% +7.26% 1.40% +0.82 19.08 31.08% 17.66% 16.09%
2012-09 +1.89% +6.45% 1.40% -0.78 18.13 31.94% 19.08% 17.37%
2012-08 +0.21% +4.48% 1.40% +0.41 18.59 30.82% 18.50% 16.78%
2012-07 +2.68% +4.26% 1.40% +0.88 18.16 31.06% 17.40% 15.64%
2012-06 -0.01% +1.54% 1.40% +1.01 16.84 26.43% 15.38% 14.90%
2012-05 -2.13% +1.55% 1.40% +0.93 15.86 27.24% 15.51% 14.69%
2012-04 +1.08% +3.76% 1.40% +0.03 15.28 30.96% 16.43% 15.38%
2012-03 +0.76% +2.65% 1.40% +2.47 15.10 32.58% 16.69% 14.90%
2012-02 +0.60% +1.88% 1.40% +0.83 12.52 27.64% 15.02% 13.34%
2012-01 +2.00% +1.27% 1.40% +1.09 11.64 27.92% 15.81% 12.89%
2011-12 +0.39% -0.72% +0.65 10.34 29.30% 17.12% 12.09%
2011-11 -0.64% -1.10% +0.50 9.66 28.57% 15.32% 10.25%
2011-10 +3.72% -0.47% +1.13 9.23 30.55% 15.60% 10.29%
2011-09 -2.19% -4.04% +4.98 7.79 30.04% 15.02% 10.01%
2011-08 -2.48% -1.89% +0.42 2.97 34.34% 13.47% 8.08%
2011-07 -0.04% +0.61% +0.67 2.61 29.12% 14.18% 8.05%
2011-06 -0.45% +0.65% +0.52 1.95 36.41% 16.92% 9.23%
2011-05 +0.16% +1.10% +0.62 1.44 29.86% 14.58% 9.03%
2011-04 +0.05% +0.94% +0.18 0.82 39.02% 14.63% 14.63%
2011-03 -0.59% +0.89% +0.44 0.64 40.62% 14.06% 9.38%
2011-02 +1.49% +1.49% +0.01 0.21 33.33% 9.52% 9.52%

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.