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Provident & Study Funds - I.B.I. Gemel
The most experienced team of investment managers in the Israeli capital market.
At I.B.I. we offer you the expertise and comprehensive knowledge accumulated over 40 years of investment and wealth management in our Provident and Study funds .
Investment Tracks
Every client has his/her own needs and preferences. We enable our clients to choose the investment strategy most suited to them in terms of risk level and investment horizon.
Available investment tracks:
Government Bonds
A non-equity investment track with at least 50% of assets invested in government bonds.
Fixed Income
A non-equity investment track, suitable for the conservative investor.
Fixed Income plus
A conservative vehicle where equity investments are limited to 10% of assets.
General
A flexible investment vehicle. The proportion of equity holdings is set by an investment committee.
Equities
Equity holdings, at rate determined by an investment committee, down to a minimum of 50%.
Personal relationships and professional service
We believe in transparency and honesty in our relationships with our clients and dedicate all possible resources to achieving this.
Our service staff, including licensed pension savings marketers, stand ready to assist you on any topic including the choice investment track best suited to you.
Provident Funds - I.B.I. Gemel
I.B.I. Gemel Ltd. manages Provident and Study funds as well as central severance pay funds.
Established in 2006, the company currently manages over NIS 1.7 billion* in client assets.
I.B.I. Gemel draws on the infrastructure and capabilities of I.B.I. Investment House in many areas to help in managing its operations and fulfilling all the legal and regulatory requirements to which it is subject. These include risk management compliance and enforcement, internal auditing, investment monitoring, data services and, of course, investment management. Client accounts are managed through Bank Hapoalim, which provides operating services for the funds.
Provident and Study funds constitute part of our pension savings products. Monies deposited in the funds enjoy significant tax benefits that make long-term savings both desirable and worthwhile. It is important to note that money may be transferred simply and easily from one management company to another while preserving all accumulated tax benefits, seniority and liquidity. Such a transfer entails no penalty or cost of any sort.
Within each of our Provident and Study funds are a number of investment tracks with differing risk levels and investment ranges. Clients can switch investment tracks easily or combine tracks to create a savings account with a customized investment mix.
Our pension marketing team will be happy to assist you at your convenience.
* As of July., 2011
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