RIGHTS
Keren Hishtalmut - Best Employee Benefit in Israel
What? Joint employee-employer savings with 100% tax-free capital gains.
Contributions: Employee 2.5% + Employer 7.5% = 10% of salary
Withdrawal: After 6 years - completely tax free!
Why It's Amazing
- 100% tax-free capital gains - no 25% tax on profits!
- Employer pays 75% - you only contribute 2.5%
- Liquid after 6 years - withdraw for any purpose
Estimated Savings
| Monthly Salary | Monthly Deposit | After 6 Years* |
|---|---|---|
| 8,000 NIS | 800 | ~65,000 |
| 12,000 | 1,200 | ~98,000 |
| 16,000 | 1,600 | ~130,000 |
* Including ~5% average annual return
Tips
- Negotiate lower management fees
- Choose investment plan - stocks for young, conservative for older
- Don't withdraw before 6 years (you'll pay tax!)
- Ask your employer - not mandatory but most agree
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