מגדל השתלמות מסלול אשראי ואג"ח: תשואה, דמי ניהול וסיכון
מגדל השתלמות מסלול אשראי ואג"ח מנוהלת על ידי מגדל מקפת קרנות פנסיה וקופות גמל בע"מ, בסיווג קרנות השתלמות, פעילה מ-1996; 310 חודשי דיווח מ-01/1999 עד 07/2026.
עובדות מחושבות
- נכסים מנוהלים ב-07/2026: 474 מיליון ש"ח, מקום 96 מתוך 234 בקטגוריה.
- תשואה מצטברת ל-5 שנים: 14.14%, מקום 126 מתוך 152 בקטגוריה; ל-3 שנים: 17.27% (מקום 116 מתוך 164).
- 10,000 ש"ח שהופקדו לפני 5 שנים (08/2021) שווים היום 11,414 ש"ח לפי התשואות החודשיות המדווחות; לפני 10 שנים: 13,180 ש"ח.
- דמי ניהול ממוצעים מהצבירה: 0.56% לשנה (מקום 136 מתוך 223 בקטגוריה, מהנמוך לגבוה). על 100,000 ש"ח ל-20 שנה, בהנחת תשואה אפס, דמי ניהול כאלה מצטברים ל-10,624 ש"ח.
- הירידה המרבית מהשיא (drawdown) לאורך ההיסטוריה: -11.9% בין 06/2008 ל-12/2008.
- סטיית תקן: 3.23; מדד שארפ: 0.06 (מקום 119 מתוך 152); חשיפה למניות 19%, לחו"ל 87.4%, למט"ח 24.7%.
תשואה שנתית (12 חודשים מלאים)
| שנה | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| תשואה | 8.54% | 7.97% | 11.68% | -0.88% | 11.05% | 5.73% | 7.31% | 5.98% | 3.94% | -9.03% | 19.58% | 7.94% | 4.84% | 3.2% | 1.06% | 2.09% | 4.13% | -0.24% | 7.68% | 1.53% | 4.82% | -7.22% | 4.9% | 5.72% | 6.23% |
מכפלת התשואות החודשיות המדווחות; שנים חלקיות אינן מוצגות. דירוג הקטגוריה לשנת 2025.
דירוג בקטגוריה קרנות השתלמות (07/2026)
דירוג לפי הנתון בלבד, מתוך 234 קרנות שדיווחו לתקופה. אינו המלצה ואינו דירוג איכות.
| נתון | ערך | מקום |
|---|---|---|
| נכסים (מיליון ש"ח) | 474 | 96 / 234 |
| דמי ניהול מצבירה (נמוך = 1) | 0.56% | 136 / 223 |
| תשואה מתחילת השנה | 2.48% | 177 / 231 |
| תשואה 3 שנים | 17.27% | 116 / 164 |
| תשואה 5 שנים | 14.14% | 126 / 152 |
| מדד שארפ | 0.06 | 119 / 152 |
קרנות דומות בקטגוריה (לפי היקף נכסים)
- מיטב השתלמות הלכה 479 מ' ש"ח
- קרן השתלמות של העובדים באוניברסיטה העברית בירושלים כללי 479 מ' ש"ח
- מיטב השתלמות קיימות 462 מ' ש"ח
- קרן השתלמות לשופטים 487 מ' ש"ח
- הראל השתלמות עוקב מדדי מניות 456 מ' ש"ח
נתונים חודשיים מלאים
| תקופה | תשואה | מתחילת שנה | נכסים | הפקדות | משיכות | העברות נטו | דמי ניהול | מניות | חו"ל |
|---|---|---|---|---|---|---|---|---|---|
| 07/2026 | -0.2% | 2.48% | 473.9 | 3.3 | 1.8 | 6 | 0.56% | 19% | 87.4% |
| 06/2026 | 0.54% | 2.69% | 467.5 | 2.3 | 1.7 | -3.3 | 0.56% | 18.7% | 83.1% |
| 05/2026 | 1.14% | 2.14% | 467.9 | -0.4 | 2.5 | 2.4 | 0.56% | 18.6% | 79.3% |
| 04/2026 | 1.04% | 0.99% | 463.3 | 3.6 | 1.3 | 1.3 | 0.56% | 18.4% | 81.1% |
| 03/2026 | -0.73% | -0.05% | 455.2 | 0.4 | 2.4 | 2.7 | 0.56% | 17.9% | 83.8% |
| 02/2026 | 0.16% | 0.68% | 457 | 2.3 | 2.1 | -0.9 | 0.56% | 18.1% | 84.7% |
| 01/2026 | 0.52% | 0.52% | 457.3 | 4.9 | 2.2 | -3 | 0.56% | 18% | 84.7% |
| 12/2025 | 0.28% | 6.23% | 456.4 | 2.6 | 2.1 | 1.3 | 0.56% | 7.7% | 77.3% |
| 11/2025 | 0.39% | 5.94% | 453.7 | 1.6 | 1.2 | 1.7 | 0.56% | 7.6% | 79.3% |
| 10/2025 | 0.85% | 5.52% | 449.9 | 2.3 | 1.5 | -1 | 0.56% | 7.7% | 79.7% |
| 09/2025 | 0.7% | 4.63% | 446.6 | 1.4 | 2.2 | 0.3 | 0.56% | 7.9% | 84.8% |
| 08/2025 | 0.65% | 3.91% | 444.3 | 2 | 1.9 | -3.3 | 0.56% | 7.5% | 83.3% |
| 07/2025 | 0.18% | 3.24% | 444.9 | -0.3 | 3.1 | 0.3 | 0.56% | 0% | 86.8% |
| 06/2025 | 1.33% | 3.05% | 447.5 | 2.9 | 1.8 | -1.7 | 0.56% | 0% | 88.3% |
| 05/2025 | -0.21% | 1.7% | 442.3 | 3 | 3.4 | -3.6 | 0.56% | 0% | 91.1% |
| 04/2025 | 0.79% | 1.91% | 447.5 | 2.3 | 1.6 | 6.4 | 0.56% | 0% | 95.4% |
| 03/2025 | 0.14% | 1.11% | 437.2 | 0.8 | 1.7 | -5 | 0.56% | 0% | 90% |
| 02/2025 | 0.7% | 0.97% | 442.7 | 2.2 | 1.3 | 3.1 | 0.56% | 0.9% | 85.1% |
| 01/2025 | 0.27% | 0.27% | 436 | 3.2 | 1.8 | -1.9 | 0.56% | 1% | 82.9% |
| 12/2024 | 0.63% | 5.72% | 435.5 | 3.6 | 2.1 | -4 | 0.62% | 1% | 75.4% |
| 11/2024 | 0.86% | 5.06% | 435.5 | -0.3 | 2.9 | -2.9 | 0.62% | 1.1% | 76% |
| 10/2024 | 0.21% | 4.17% | 438.1 | 4 | 2.9 | -1.2 | 0.62% | 1% | 76.7% |
| 09/2024 | 0.63% | 3.95% | 437.6 | 2.5 | 4 | -0.4 | 0.62% | 0.6% | 76.7% |
| 08/2024 | 1.14% | 3.3% | 436.9 | 2.3 | 3.4 | -1.2 | 0.62% | 0.6% | 76.5% |
| 07/2024 | 1.02% | 2.13% | 434.4 | 2.2 | 2.2 | -2.7 | 0.62% | 0.6% | 77.3% |
| 06/2024 | 0.21% | 1.1% | 432.9 | 2.2 | 4.4 | -5.3 | 0.62% | 0.4% | 75.5% |
| 05/2024 | -0.03% | 0.89% | 439.6 | 2.2 | 1.9 | -5.9 | 0.62% | 0.1% | 77.3% |
| 04/2024 | -0.34% | 0.92% | 445.5 | 2.1 | 2.2 | 0.7 | 0.62% | 0.1% | 79.7% |
| 03/2024 | 0.84% | 1.26% | 446.8 | 2.1 | 2.7 | -5.5 | 0.62% | 0.1% | 82% |
| 02/2024 | 0.27% | 0.42% | 449.3 | 2.4 | 2.8 | -4.4 | 0.62% | 0.1% | 79.8% |
| 01/2024 | 0.15% | 0.15% | 453.2 | 2.6 | 5.9 | -5.7 | 0.62% | 0% | 79.4% |
| 12/2023 | 1.58% | 4.9% | 461.8 | 3.3 | 3.7 | -5.8 | 0.64% | 0% | 75.3% |
| 11/2023 | 2.71% | 3.27% | 460.8 | 2.4 | 2.1 | -2.8 | 0.64% | 0% | 75.6% |
| 10/2023 | -1.98% | 0.55% | 451.3 | 2.3 | 2.2 | -2.2 | 0.64% | 0% | 76.2% |
| 09/2023 | -0.9% | 2.58% | 462.8 | 2.2 | 2.4 | -5.5 | 0.64% | 0% | 66.7% |
| 08/2023 | 0.53% | 3.51% | 472.9 | 2.3 | 3.7 | -5.6 | 0.64% | 0% | 63.1% |
| 07/2023 | 0.62% | 2.96% | 477.6 | 2.6 | 5.5 | -5.9 | 0.64% | 0% | 60.3% |
| 06/2023 | 0.36% | 2.33% | 183.5 | 0.8 | 2 | -0.8 | 0.64% | 0% | 22.2% |
| 05/2023 | 1.26% | 1.96% | 185.1 | 1.1 | 0.9 | 0.4 | 0.64% | 0% | 21.9% |
| 04/2023 | 0.65% | 0.69% | 182.4 | 1 | 0.6 | -1.4 | 0.64% | 0% | 20.3% |
| 03/2023 | 0.85% | 0.04% | 182.3 | 0.8 | 1.5 | -2.1 | 0.64% | 0% | 22.2% |
| 02/2023 | -2.13% | -0.8% | 183.6 | 1.4 | 1.7 | -1.6 | 0.64% | 0% | 23.7% |
| 01/2023 | 1.36% | 1.36% | 189.6 | 1 | 1.7 | -0.2 | 0.64% | 0% | 24% |
| 12/2022 | -0.56% | -7.22% | 188 | 1.3 | 1 | -1.4 | 0.68% | 0% | 24.9% |
| 11/2022 | 0.43% | -6.7% | 190.2 | 0.8 | 0.8 | -0.8 | 0.68% | 0% | 23.9% |
| 10/2022 | 0.41% | -7.1% | 190.3 | 0.8 | 1.8 | -1.4 | 0.68% | 0% | 23.8% |
| 09/2022 | -1.83% | -7.48% | 192.1 | 0.7 | 1.1 | -0.3 | 0.68% | 0% | 23.9% |
| 08/2022 | -1.45% | -5.75% | 196.5 | 0.8 | 0.8 | -1.3 | 0.68% | 0% | 23.2% |
| 07/2022 | 1.12% | -4.37% | 200.9 | 0.9 | 1.1 | -1 | 0.68% | 0% | 22.5% |
| 06/2022 | 0.15% | -5.43% | 200 | 0.9 | 1.1 | -0.9 | 0.68% | 0% | 22.6% |
| 05/2022 | -1.76% | -5.57% | 200.9 | 0.8 | 1.1 | -0.6 | 0.68% | 0% | 28.9% |
| 04/2022 | -0.73% | -3.88% | 205.5 | 1.2 | 0.7 | -0.6 | 0.68% | 0% | 34.5% |
| 03/2022 | -0.44% | -3.17% | 207.2 | 0.8 | 1.2 | 0.7 | 0.68% | 0% | 33.4% |
| 02/2022 | -1.27% | -2.74% | 207.9 | 0.8 | 2.5 | -0.8 | 0.68% | 0% | 34% |
| 01/2022 | -1.49% | -1.49% | 213.1 | 1.1 | 0.7 | -0.8 | 0.68% | 0% | 35.2% |
| 12/2021 | 0.02% | 4.82% | 216.9 | 1.7 | 1.3 | -0.7 | 0.7% | 0% | 35.7% |
| 11/2021 | 0.61% | 4.8% | 217.3 | 1 | 0.9 | -3.3 | 0.7% | 0% | 35% |
| 10/2021 | 0.43% | 4.17% | 219.3 | 0.8 | 1.3 | -3.1 | 0.7% | 0% | 34.2% |
| 09/2021 | -0.15% | 3.72% | 222.1 | 1 | 0.3 | -1.3 | 0.7% | 0% | 33.8% |
| 08/2021 | 0.97% | 3.88% | 223.1 | 1 | 0.7 | -2.1 | 0.7% | 0% | 34.2% |
| 07/2021 | 0.35% | 2.88% | 222.9 | 0.9 | 1 | -1.7 | 0.7% | 2.2% | 34.8% |
| 06/2021 | 0.32% | 2.52% | 224 | 0.9 | 1.2 | -1.7 | 0.7% | 2.5% | 34.7% |
| 05/2021 | 0.86% | 2.19% | 225.4 | 1.1 | 1.7 | -3.9 | 0.7% | 2.6% | 35.8% |
| 04/2021 | 0.51% | 1.32% | 228.2 | 1.1 | 1.2 | -1.5 | 0.7% | 2.1% | 35.7% |
| 03/2021 | 0.65% | 0.81% | 228.7 | 0.8 | 1.3 | -4.2 | 0.7% | 1.4% | 35.8% |
| 02/2021 | -0.45% | 0.16% | 231.9 | 0.9 | 2 | -1.9 | 0.7% | 1.1% | 35.9% |
| 01/2021 | 0.61% | 0.61% | 236 | 1.2 | 1.5 | -1.9 | 0.7% | 0% | 35.6% |
| 12/2020 | 0.62% | 1.53% | 237 | 1.9 | 1.8 | -3.2 | 0.72% | 0% | 36.3% |
| 11/2020 | 1.27% | 0.9% | 238.8 | 1 | 1.3 | -0.5 | 0.72% | 0% | 37.3% |
| 10/2020 | -0.05% | -0.37% | 236.8 | 1.1 | 0.7 | -2.1 | 0.72% | 0% | 37.4% |
| 09/2020 | -0.89% | -0.32% | 238.7 | 1.1 | 0.9 | -3.5 | 0.72% | 0% | 38% |
| 08/2020 | 1.16% | 0.58% | 244.3 | 1.1 | 1.5 | -2.1 | 0.72% | 0% | 37% |
| 07/2020 | 1.06% | -0.57% | 244.1 | 1 | 1.3 | -1.8 | 0.72% | 0% | 36.8% |
| 06/2020 | -0.33% | -1.62% | 243.7 | 1.3 | 0.9 | -2.1 | 0.72% | 0% | 36.1% |
| 05/2020 | 1.22% | -1.29% | 246.3 | 1 | 0.8 | -1.7 | 0.72% | 0% | 36.2% |
| 04/2020 | 2.79% | -2.48% | 244.9 | 1.1 | 1.2 | -3.1 | 0.72% | 0% | 34.1% |
| 03/2020 | -5.91% | -5.13% | 241.5 | 1 | 3 | 7 | 0.72% | 0% | 33.4% |
| 02/2020 | 0.5% | 0.83% | 251.7 | 1 | 1 | 0.1 | 0.72% | 0% | 32.1% |
| 01/2020 | 0.33% | 0.33% | 250.5 | 1.3 | 1.1 | -1.8 | 0.72% | 0% | 31.1% |
| 12/2019 | 0.23% | 7.68% | 251.4 | 2.1 | 0.7 | -1.4 | 0.75% | 0% | 31.7% |
| 11/2019 | 0.11% | 7.43% | 250.9 | 1.2 | 1.1 | -0.9 | 0.75% | 0% | 31.2% |
| 10/2019 | 0.47% | 7.32% | 251.5 | 1 | 1 | -0.9 | 0.75% | 0% | 32.2% |
| 09/2019 | 0.33% | 6.81% | 251.4 | 1 | 1.1 | -0.6 | 0.75% | 0% | 31.3% |
| 08/2019 | 0.61% | 6.46% | 251.4 | 1 | 1.3 | -3.4 | 0.75% | 0% | 32.6% |
| 07/2019 | 1.15% | 5.82% | 253.6 | 0.7 | 1.9 | -1.5 | 0.75% | 0% | 31.3% |
| 06/2019 | 0.83% | 4.61% | 253.6 | 1.3 | 3.3 | -3.9 | 0.75% | 0% | 31.1% |
| 05/2019 | 0.25% | 3.75% | 257.4 | 7.1 | 1.3 | -2.4 | 0.75% | 0% | 31.9% |
| 04/2019 | 0.55% | 3.49% | 253.6 | 1.1 | 2.5 | -2.2 | 0.75% | 0% | 30.8% |
| 03/2019 | 0.93% | 2.93% | 256 | 1.1 | 2.1 | -1.3 | 0.75% | 0% | 33.1% |
| 02/2019 | 0.68% | 1.98% | 256.1 | 1.1 | 2.1 | -0.8 | 0.75% | 0% | 32.5% |
| 01/2019 | 1.29% | 1.29% | 256.2 | 1.6 | 2 | -1.1 | 0.75% | 0% | 32.8% |
| 12/2018 | -0.19% | -0.24% | 254.7 | 2.4 | 1 | -0.4 | 0.79% | 0% | 32.9% |
| 11/2018 | -0.36% | -0.05% | 254.3 | 1.2 | 1 | -1.6 | 0.79% | 0% | 32.5% |
| 10/2018 | -0.49% | 0.31% | 256.8 | 1.3 | 1 | -2.7 | 0.79% | 0% | 36.3% |
| 09/2018 | -0.08% | 0.8% | 260.6 | 0.9 | 0.9 | -1.3 | 0.79% | 0% | 37.6% |
| 08/2018 | 0.3% | 0.88% | 262.2 | 1.1 | 1.7 | -1.5 | 0.79% | 0% | 37.3% |
| 07/2018 | 0.24% | 0.58% | 263.7 | 1.2 | 2 | -1.2 | 0.79% | 0% | 38.5% |
| 06/2018 | 0.01% | 0.34% | 265.2 | 1.1 | 1.4 | -2.8 | 0.79% | 0% | 38.9% |
| 05/2018 | -0.08% | 0.33% | 268.4 | 1.2 | 1.9 | -3.1 | 0.79% | 0% | 38.8% |
| 04/2018 | 0.13% | 0.41% | 272.6 | 5.5 | 2.2 | -0.1 | 0.79% | 0% | 39.7% |
| 03/2018 | 0.32% | 0.28% | 269.2 | 1.2 | 2.7 | -3.2 | 0.79% | 0% | 39.2% |
| 02/2018 | -0.35% | -0.04% | 273.1 | 0.5 | 2.1 | -1.4 | 0.79% | 0% | 38.9% |
| 01/2018 | 0.31% | 0.31% | 277.3 | 2.4 | 3.3 | -4.3 | 0.79% | 0% | 40% |
| 12/2017 | 0.31% | 4.13% | 281.8 | 2.7 | 1.6 | -2.7 | 0.83% | 0% | 40% |
| 11/2017 | 0.35% | 3.81% | 282.7 | 1.3 | 2.6 | -1.5 | 0.83% | 0% | 40.8% |
| 10/2017 | 0.41% | 3.45% | 284.6 | 1.1 | 2.4 | -1.6 | 0.83% | 0% | 41.4% |
| 09/2017 | -0.08% | 3.03% | 286.4 | 1.3 | 1 | -1.7 | 0.83% | 0% | 41.5% |
| 08/2017 | 0.61% | 3.11% | 288.3 | 1.4 | 1.3 | -2.9 | 0.83% | 0% | 41.8% |
| 07/2017 | 0.72% | 2.48% | 289.4 | 1.4 | 1.9 | -5 | 0.83% | 0% | 41.7% |
| 06/2017 | -0.03% | 1.75% | 293 | 1.8 | 2.6 | -4.7 | 0.83% | 0% | 41.8% |
| 05/2017 | 0.61% | 1.78% | 298.8 | 1.1 | 2.5 | -3.1 | 0.83% | 0% | 42.7% |
| 04/2017 | 0.8% | 1.16% | 301.6 | 0.8 | 2.5 | -4.1 | 0.83% | 0% | 42.9% |
| 03/2017 | 0.19% | 0.36% | 305.3 | 7.5 | 3.2 | -5.1 | 0.83% | 0% | 43.8% |
| 02/2017 | 0.05% | 0.17% | 305.7 | 1.7 | 3.1 | -4.3 | 0.83% | 0% | 43.1% |
| 01/2017 | 0.12% | 0.12% | 311.4 | 1.9 | 2.2 | -4.4 | 0.83% | 0% | 44.2% |
| 12/2016 | 0.25% | 2.09% | 315.9 | 2.8 | 1.6 | -1.2 | 0.91% | 0% | 47% |
| 11/2016 | -0.82% | 1.83% | 315.3 | 1.8 | 1.5 | -1.2 | 0.91% | 0% | 46.4% |
| 10/2016 | 0.15% | 2.67% | 319 | 1.2 | 1.3 | -1.5 | 0.91% | 0% | 46.8% |
| 09/2016 | -0.56% | 2.52% | 320.3 | 1.8 | 2.4 | -1.8 | 0.91% | 0% | 47.3% |
| 08/2016 | -0.19% | 3.1% | 324.7 | 1.6 | 1.4 | -2.2 | 0.91% | 0% | 46.4% |
| 07/2016 | 0.7% | 3.29% | 327.5 | 1.5 | 1.2 | -0.8 | 0.91% | 0% | 46.2% |
| 06/2016 | 0.52% | 2.58% | 326 | 1.6 | 2.4 | 1.5 | 0.91% | 0% | 46.5% |
| 05/2016 | 0.13% | 2.05% | 323.8 | 1.8 | 2.4 | -0.8 | 0.91% | 0% | 46.4% |
| 04/2016 | 0.81% | 1.91% | 325.1 | 1.5 | 1.7 | -4.7 | 0.91% | 0% | 47% |
| 03/2016 | 0.44% | 1.09% | 327.5 | 6.7 | 4.6 | -1.3 | 0.91% | 0% | 46% |
| 02/2016 | 0.34% | 0.65% | 325.5 | 1.4 | 2.1 | -2.3 | 0.91% | 0% | 46.6% |
| 01/2016 | 0.31% | 0.31% | 327.7 | 2 | 1.5 | -2.9 | 0.91% | 0% | 46.8% |
| 12/2015 | -0.26% | 1.06% | 269.2 | 2.8 | 2 | -0.8 | 0.96% | 0.4% | 41.3% |
| 11/2015 | -0.7% | 1.32% | 270.1 | 1.3 | 1 | -1 | 0.96% | 0.3% | 41.3% |
| 10/2015 | 0.79% | 2.03% | 272.8 | 1.1 | 1.4 | -0.3 | 0.96% | 0.3% | 42% |
| 09/2015 | -0.67% | 1.23% | 271.5 | 1.1 | 1 | -0.2 | 0.96% | 0.3% | 42.6% |
| 08/2015 | 0.47% | 1.92% | 273.6 | 1.2 | 1.4 | -2.4 | 0.96% | 0.3% | 43% |
| 07/2015 | 0.98% | 1.44% | 275 | 1.2 | 1.5 | -3.2 | 0.96% | 0.7% | 41.6% |
| 06/2015 | -2.17% | 0.46% | 275.9 | 1.2 | 2.1 | -4.7 | 0.96% | 0.9% | 41.4% |
| 05/2015 | -0.29% | 2.68% | 288 | 1.1 | 2.9 | -1.6 | 0.96% | 0.6% | 45% |
| 04/2015 | 0.57% | 2.98% | 292.5 | 1.1 | 1.8 | -3.4 | 0.96% | 0.6% | 45% |
| 03/2015 | -0.33% | 2.4% | 295.1 | 1.3 | 1.6 | -8.5 | 0.96% | 0.6% | 46.1% |
| 02/2015 | 1.36% | 2.74% | 305 | 1.5 | 2.5 | -3 | 0.96% | 3.1% | 49.9% |
| 01/2015 | 1.36% | 1.36% | 305.1 | 1.7 | 3.2 | -3.4 | 0.96% | 0.6% | 47.3% |
| 12/2014 | -1.5% | 3.2% | 306 | 8.9 | 4.1 | -0.6 | 1.02% | 0.6% | 46.8% |
| 11/2014 | 0.09% | 4.77% | 306.6 | 1.8 | 1.4 | -1.3 | 1.02% | 0.6% | 48.1% |
| 10/2014 | 0.58% | 4.68% | 307.4 | 1.2 | 1.6 | -0.6 | 1.02% | 0.6% | 49.5% |
| 09/2014 | 0.03% | 4.07% | 306.9 | 1.3 | 1.2 | -0.6 | 1.02% | 0.6% | 43.1% |
| 08/2014 | 1.4% | 4.04% | 307.5 | 1.4 | 1.7 | -1 | 1.02% | 0.5% | 41.6% |
| 07/2014 | -0.15% | 2.6% | 304.9 | 1.3 | 1.1 | -2.2 | 1.02% | 0.5% | 40.4% |
| 06/2014 | -0.24% | 2.76% | 307.5 | 1.4 | 1.8 | -1.1 | 1.02% | 0.4% | 41.4% |
| 05/2014 | 0.73% | 3.01% | 310 | 1.3 | 2.1 | -1.7 | 1.02% | 0.4% | 40.7% |
| 04/2014 | 0.5% | 2.26% | 310.4 | 1.3 | 1.3 | -1.9 | 1.02% | 0.4% | 40.4% |
| 03/2014 | 0.54% | 1.75% | 311 | 1.4 | 2.4 | -1.1 | 1.02% | 0.4% | 40.3% |
| 02/2014 | 0.65% | 1.2% | 311.7 | 1.4 | 2.3 | -0.5 | 1.02% | 0.4% | 40.1% |
| 01/2014 | 0.55% | 0.55% | 311.2 | 1.7 | 1.7 | -1.7 | 1.02% | 3.5% | 34.5% |
| 12/2013 | -0.6% | 4.84% | 311.5 | 8.4 | 3.8 | 0.1 | 1.07% | 0.3% | 30% |
| 11/2013 | 0.79% | 5.47% | 308.9 | 1.3 | 1.2 | -0.3 | 1.07% | 1.5% | 30.6% |
| 10/2013 | 0.82% | 4.65% | 307 | 1.4 | 1.5 | 0.6 | 1.07% | 0.3% | 29.4% |
| 09/2013 | 1.16% | 3.8% | 304.3 | 1.3 | 1.3 | 0.2 | 1.07% | 0.3% | 28.7% |
| 08/2013 | -0.54% | 2.61% | 300.8 | 1.2 | 1.9 | -2.2 | 1.07% | 0.2% | 22.9% |
| 07/2013 | 1.02% | 3.16% | 305.6 | 1.5 | 2.1 | -1.7 | 1.07% | 0.2% | 15.9% |
| 06/2013 | -0.52% | 2.12% | 305 | 1.4 | 1.9 | -1.6 | 1.07% | 0.2% | 16.1% |
| 05/2013 | 0.67% | 2.65% | 309 | 1.3 | 2 | 0.7 | 1.07% | 0.3% | 13.8% |
| 04/2013 | 1.06% | 1.97% | 307.1 | 1.6 | 1.6 | 1.1 | 1.07% | 0.3% | 13.7% |
| 03/2013 | -0.01% | 0.9% | 303 | 1.2 | 2.3 | -1.4 | 1.07% | 0.3% | 14.4% |
| 02/2013 | 0.65% | 0.91% | 305.8 | 1.3 | 3.5 | -3.7 | 1.07% | 0.3% | 14.7% |
| 01/2013 | 0.26% | 0.26% | 309.9 | 1.5 | 3.2 | 0.9 | 1.07% | 0.3% | 13.8% |
| 12/2012 | 0.21% | 8.34% | 310.2 | 13.5 | 2.4 | 3.3 | 1.19% | 0.3% | 14.5% |
| 11/2012 | 0.58% | 8.11% | 295.4 | 1.4 | 2.1 | 1 | 1.19% | 0.5% | 15.1% |
| 10/2012 | 1.59% | 7.49% | 293.7 | 1.2 | 2.4 | 1.3 | 1.19% | 0.5% | 15.3% |
| 12/2010 | -0.64% | 7.94% | 310.8 | 15.2 | 3.8 | -1.7 | 1.33% | 1.3% | 4.4% |
| 11/2010 | -0.2% | 8.63% | 303.3 | 1.4 | 1.4 | -1 | 1.33% | 0.4% | 5.3% |
| 10/2010 | 1.63% | 8.85% | 305.2 | 1.2 | 2.1 | -1.3 | 1.33% | 0.2% | 6.1% |
| 09/2010 | -0.21% | 7.1% | 302.8 | 1.1 | 1.7 | -0.7 | 1.33% | 0.2% | 6.3% |
| 08/2010 | 1.38% | 7.33% | 304.9 | 1.2 | 2.3 | -1.2 | 1.33% | 0.2% | 8.3% |
| 07/2010 | 0.97% | 5.87% | 303.4 | 1.2 | 2.7 | -1.2 | 1.33% | 0.2% | 9.2% |
| 06/2010 | 1.25% | 4.85% | 303.5 | 1.2 | 3 | -0.1 | 1.33% | 0.2% | 8.3% |
| 05/2010 | 0.52% | 3.56% | 301.9 | 1.2 | 2.5 | -1.4 | 1.33% | 1.4% | 6.5% |
| 04/2010 | -0.31% | 3.02% | 303.3 | 1.2 | 2.6 | -1.1 | 1.33% | 0.2% | 4% |
| 03/2010 | 0.5% | 3.34% | 307.1 | 1.2 | 2.4 | -1.5 | 1.33% | 0.2% | 5.7% |
| 02/2010 | 0.94% | 2.83% | 308.5 | 1.1 | 2.4 | -2.9 | 1.33% | 0.2% | 5.8% |
| 01/2010 | 1.87% | 1.87% | 310.1 | 1.3 | 6.8 | -3.3 | 1.33% | 0.2% | 4.7% |
| 12/2009 | -0.77% | 19.58% | 313.4 | 14 | 3.8 | -2.5 | 1.41% | 0.2% | 5.7% |
| 11/2009 | 1.29% | 20.51% | 308.4 | 1.3 | 1.9 | -1.3 | 1.41% | 0.1% | 5.4% |
| 10/2009 | 1.7% | 18.97% | 306.6 | 1.2 | 2.6 | -0.7 | 1.41% | 0.1% | 5.3% |
| 09/2009 | 1.11% | 16.99% | 303.9 | 1.5 | 2.2 | -1.8 | 1.41% | 0.1% | 5% |
| 08/2009 | 0.2% | 15.7% | 303.4 | 1.1 | 1.7 | -1.8 | 1.41% | 0.2% | 4.3% |
| 07/2009 | 0.54% | 15.47% | 305.5 | 1.3 | 2.4 | -2.2 | 1.41% | 0.1% | 5.8% |
| 06/2009 | 3.72% | 14.85% | 307.4 | 1.3 | 2.9 | -0.2 | 1.41% | 0.1% | 4.1% |
| 05/2009 | -0.02% | 10.73% | 298.4 | 1.3 | 2.8 | 1.6 | 1.41% | 0.1% | 6.5% |
| 04/2009 | 2.08% | 10.75% | 298.6 | 1 | 2.1 | 0.6 | 1.41% | 0.1% | 9.6% |
| 03/2009 | 2.59% | 8.5% | 293.4 | 1.4 | 6.2 | -0.6 | 1.41% | 0.1% | 7% |
| 02/2009 | 1% | 5.76% | 291.8 | 2.8 | 4.4 | -0.8 | 1.41% | 0.1% | 1.6% |
| 01/2009 | 4.71% | 4.71% | 291.6 | 1.5 | 10.9 | -3 | 1.41% | 0.1% | 2.7% |
| 12/2008 | -0.04% | -9.03% | 290.8 | 19.8 | 6.3 | -5.7 | 0.43% | 0.1% | 2.6% |
| 11/2008 | -1.77% | -9% | 283.5 | 1.4 | 8.2 | -2.2 | 0.43% | 0.7% | 3.9% |
| 10/2008 | -5.43% | -7.36% | 298.1 | 1.5 | 5.6 | 0.9 | 0.43% | 0.7% | 3.9% |
| 09/2008 | -4.15% | -2.04% | 318.9 | 1.7 | 4.2 | 2.9 | 0.43% | 1.2% | 4.6% |
| 08/2008 | 0.84% | 2.2% | 332.7 | 1.5 | 3.6 | 0.1 | 0.43% | 2.3% | 6.2% |
| 07/2008 | -1.81% | 1.35% | 332.3 | 1.5 | 3.3 | 1.6 | 0.43% | 2.1% | 6.1% |
| 06/2008 | 0.32% | 3.22% | 339.1 | 1.3 | 4 | 0.4 | 0.43% | 0.7% | 5.9% |
| 05/2008 | 1.62% | 2.89% | 340.6 | 1.5 | 4 | -0.8 | 0.43% | 0.1% | 4.9% |
| 04/2008 | 0.93% | 1.25% | 338.8 | 1.5 | 2.5 | -0.6 | 0.43% | 0.1% | 6.1% |
| 03/2008 | -1.12% | 0.32% | 337.6 | 1.4 | 4.7 | 0.4 | 0.43% | 0.1% | 6.4% |
| 02/2008 | 1.13% | 1.45% | 344.9 | 1.5 | 4.7 | 0.3 | 0.43% | 0.1% | -1.8% |
| 01/2008 | 0.32% | 0.32% | 344.3 | 1.3 | 10.5 | -8 | 0.43% | 0.1% | 7% |
| 12/2007 | -0.09% | 3.94% | 360.7 | 25.8 | 4.3 | -3.8 | 0.46% | - | - |
| 11/2007 | -0.08% | 4.03% | 343.5 | 1.7 | 2.1 | -2.2 | 0.46% | - | - |
| 10/2007 | 1.15% | 4.12% | 346.5 | 1.6 | 3.1 | -1.1 | 0.46% | - | - |
| 09/2007 | 0.29% | 2.93% | 345.3 | 1.6 | 1.6 | -2.1 | 0.46% | - | - |
| 08/2007 | -1.72% | 2.64% | 346.6 | 1.7 | 2.3 | -3.5 | 0.46% | - | - |
| 07/2007 | -0.92% | 4.43% | 357 | 1.7 | 3.7 | -4.1 | 0.46% | - | - |
| 06/2007 | -0.12% | 5.4% | 366.6 | 1.4 | 2.3 | -3.1 | 0.46% | - | - |
| 05/2007 | 1.74% | 5.53% | 371.1 | 2.7 | 4 | -3.6 | 0.46% | - | - |
| 04/2007 | 1.05% | 3.72% | 369.8 | 2.2 | 2.1 | -3.5 | 0.46% | - | - |
| 03/2007 | -0.04% | 2.65% | 369.5 | 2.9 | 2.1 | -3.7 | 0.46% | - | - |
| 02/2007 | 1.29% | 2.69% | 372.7 | 2.7 | 5.9 | -2.7 | 0.46% | - | - |
| 01/2007 | 1.38% | 1.38% | 374 | 1.9 | 10.1 | -5.7 | 0.46% | - | - |
| 12/2006 | 0.32% | 5.98% | 382.8 | 31.7 | 6.9 | -3 | 0.45% | - | - |
| 11/2006 | 1.16% | 5.64% | 360.1 | 2.3 | 2.1 | -1 | 0.45% | - | - |
| 10/2006 | 0.76% | 4.43% | 356.9 | 2.4 | 1.1 | -1 | 0.45% | - | - |
| 09/2006 | 0.17% | 3.64% | 354 | 1.5 | 1.5 | -1.6 | 0.45% | - | - |
| 08/2006 | 0.6% | 3.47% | 355.2 | 2.1 | 1.4 | -1.4 | 0.45% | - | - |
| 07/2006 | 0.51% | 2.85% | 353.9 | 1.5 | 2.3 | -1.3 | 0.45% | - | - |
| 06/2006 | -0.23% | 2.33% | 354.4 | 1.7 | 1.7 | -0.7 | 0.45% | - | - |
| 05/2006 | 0.48% | 2.56% | 355.9 | 1.9 | 2.9 | -3.9 | 0.45% | - | - |
| 04/2006 | 0.58% | 2.07% | 359.2 | 1.2 | 0.9 | -0.1 | 0.45% | - | - |
| 03/2006 | 0.53% | 1.49% | 357 | 2.1 | 5.5 | -1.9 | 0.45% | - | - |
| 02/2006 | 0.05% | 0.95% | 360.6 | 1.8 | 5.3 | -1.8 | 0.45% | - | - |
| 01/2006 | 0.9% | 0.9% | 365.7 | 2.8 | 14.3 | -1 | 0.45% | - | - |
| 12/2005 | -0.65% | 7.31% | 374.9 | 52.7 | 5.1 | -3.4 | 0.45% | - | - |
| 11/2005 | -0.69% | 8.01% | 333 | 2.4 | 3 | -1.2 | 0.45% | - | - |
| 10/2005 | 0.06% | 8.76% | 337.4 | 2.4 | 1.3 | -0.3 | 0.45% | - | - |
| 09/2005 | 0.94% | 8.69% | 336.4 | 2 | 2.3 | -0.1 | 0.45% | - | - |
| 08/2005 | 1.35% | 7.68% | 333.8 | 2.2 | 0.9 | -1.1 | 0.45% | - | - |
| 07/2005 | 1.49% | 6.25% | 329.3 | 1.8 | 2.4 | -0.3 | 0.45% | - | - |
| 06/2005 | 0.45% | 4.69% | 325.5 | 2 | 2.4 | -0.6 | 0.45% | - | - |
| 05/2005 | 0.92% | 4.22% | 325.2 | 3.9 | 3.2 | -1 | 0.45% | - | - |
| 04/2005 | 1.2% | 3.27% | 322.6 | 1.7 | 5.8 | -2.6 | 0.45% | - | - |
| 03/2005 | 0.38% | 2.04% | 325.6 | 1.7 | 5.1 | -1.3 | 0.45% | - | - |
| 02/2005 | 0.68% | 1.66% | 329.2 | 1.8 | 6.9 | -1.8 | 0.45% | - | - |
| 01/2005 | 0.97% | 0.97% | 334.1 | 1.8 | 5 | -0.6 | 0.45% | - | - |
| 12/2004 | 0.75% | 5.73% | 334.8 | 40.8 | 6.1 | -0.5 | 0.46% | - | - |
| 11/2004 | 0.19% | 4.95% | 298.5 | 2.5 | 1.5 | -0.4 | 0.46% | - | - |
| 10/2004 | 0.39% | 4.75% | 297.5 | 2.1 | 2 | -0.3 | 0.46% | - | - |
| 09/2004 | 0.86% | 4.34% | 296.7 | 2 | 2 | -0.2 | 0.46% | - | - |
| 08/2004 | 0.94% | 3.45% | 294.6 | 2.1 | 2.8 | -0.3 | 0.46% | - | - |
| 07/2004 | 0.36% | 2.49% | 293 | 1.9 | 2.1 | -0.4 | 0.46% | - | - |
| 06/2004 | 0.45% | 2.12% | 292.6 | 2 | 5 | -0.6 | 0.46% | - | - |
| 05/2004 | 1.04% | 1.66% | 295 | 2.3 | 2.2 | 0.1 | 0.46% | - | - |
| 04/2004 | -0.05% | 0.62% | 291.9 | 1.9 | 4.4 | -0.3 | 0.46% | - | - |
| 03/2004 | 0.93% | 0.67% | 295 | 2.2 | 5 | -0.6 | 0.46% | - | - |
| 02/2004 | -0.38% | -0.26% | 295.7 | 2 | 12.2 | -0.6 | 0.46% | - | - |
| 01/2004 | 0.12% | 0.12% | 307.8 | 2.8 | 5.9 | 0.2 | 0.46% | - | - |
| 12/2003 | 0.47% | 11.05% | 310.5 | 41.7 | 4.8 | 0.6 | 0.44% | - | - |
| 11/2003 | 1.08% | 10.53% | 271.7 | 2.4 | 1.6 | 0.3 | 0.44% | - | - |
| 10/2003 | 1.09% | 9.35% | 267.7 | 2.3 | 2.6 | 0.2 | 0.44% | - | - |
| 09/2003 | 1.63% | 8.17% | 265.1 | 2.1 | 2.4 | 0.8 | 0.44% | - | - |
| 08/2003 | 0.36% | 6.43% | 260.5 | 2.1 | 3.4 | 0.8 | 0.44% | - | - |
| 07/2003 | -0.23% | 6.05% | 260.2 | 2.1 | 4.3 | 0.3 | 0.44% | - | - |
| 06/2003 | 1.43% | 6.3% | 262.8 | 2.1 | 3.1 | 0.4 | 0.44% | - | - |
| 05/2003 | 1.16% | 4.8% | 259.7 | 1.9 | 7.2 | 1 | 0.44% | - | - |
| 04/2003 | 1.02% | 3.6% | 261 | 1.9 | 4.5 | 0.8 | 0.44% | - | - |
| 03/2003 | 1.08% | 2.55% | 260.3 | 5.5 | 5.2 | 0.5 | 0.44% | - | - |
| 02/2003 | 0.75% | 1.46% | 256.8 | 1.9 | 8.1 | 0.5 | 0.44% | - | - |
| 01/2003 | 0.7% | 0.7% | 260.7 | 2 | 4.7 | 0.5 | 0.44% | - | - |
| 12/2002 | 0.61% | -0.88% | 261.1 | 38.4 | 6.3 | -0.1 | 0.46% | - | - |
| 11/2002 | 1.99% | -1.48% | 227.9 | 5.8 | 4.8 | 0.8 | 0.46% | - | - |
| 10/2002 | 0.49% | -3.4% | 221.8 | 2.1 | 5.4 | 0.5 | 0.46% | - | - |
| 09/2002 | -1.56% | -3.87% | 223.6 | 2.1 | 3 | 1.4 | 0.46% | - | - |
| 08/2002 | 0.13% | -2.35% | 226.8 | 2.9 | 3.4 | 0.2 | 0.46% | - | - |
| 07/2002 | 0.67% | -2.47% | 226.9 | 2.4 | 4.8 | 0.3 | 0.46% | - | - |
| 06/2002 | -0.89% | -3.12% | 227.5 | 2.4 | 4.3 | -0.2 | 0.46% | - | - |
| 05/2002 | 0.62% | -2.25% | 231.6 | 3.6 | 5.1 | 0 | 0.46% | - | - |
| 04/2002 | -1.57% | -2.86% | 231.7 | 5.6 | 6.5 | 0.5 | 0.46% | - | - |
| 03/2002 | -1.91% | -1.31% | 235.7 | 11.3 | 17.8 | 0.3 | 0.46% | - | - |
| 02/2002 | -0.45% | 0.62% | 246.2 | 6.8 | 28.9 | 0.1 | 0.46% | - | - |
| 01/2002 | 1.07% | 1.07% | 269.4 | 10.5 | 0.5 | 0.5 | 0.46% | - | - |
| 12/2001 | 1.72% | 11.68% | 256.3 | 42.6 | 0.6 | 0.5 | 0.47% | - | - |
| 11/2001 | 0.55% | 9.79% | 210.2 | 3 | 0.1 | 0.4 | 0.47% | - | - |
| 10/2001 | 0.16% | 9.19% | 205.9 | 2.4 | 0.1 | 0.5 | 0.47% | - | - |
| 09/2001 | 1.01% | 9.02% | 202.8 | 2.9 | 0.4 | 0.4 | 0.47% | - | - |
| 08/2001 | 0.34% | 7.93% | 198 | 1.8 | 0.3 | 0.3 | 0.47% | - | - |
| 07/2001 | 0.57% | 7.56% | 195.5 | 2.6 | 0.4 | 0.2 | 0.47% | - | - |
| 06/2001 | 1.17% | 6.95% | 192.1 | 2.1 | 0.4 | 0.3 | 0.47% | - | - |
| 05/2001 | 1.18% | 5.72% | 188.1 | 2.8 | 0.4 | 0 | 0.47% | - | - |
| 04/2001 | 1.45% | 4.48% | 183.6 | 2.3 | 0.3 | 0.2 | 0.47% | - | - |
| 03/2001 | 0.9% | 2.99% | 178.9 | 1.3 | 0.3 | 0.1 | 0.47% | - | - |
| 02/2001 | 1% | 2.07% | 176.2 | 1.7 | 0.2 | -0.2 | 0.47% | - | - |
| 01/2001 | 1.06% | 1.06% | 173.3 | 1.2 | 0.1 | -0.1 | 0.47% | - | - |
| 12/2000 | 1.4% | 7.97% | 170.6 | 34.7 | 0.1 | -0 | 0.46% | - | - |
| 11/2000 | 1.23% | 6.48% | 134.1 | 1.5 | 0 | 0 | 0.46% | - | - |
| 10/2000 | 0.22% | 5.18% | 131.1 | 2.7 | 0.1 | 0 | 0.46% | - | - |
| 09/2000 | 0.71% | 4.95% | 128.3 | 0.6 | 0.1 | -0 | 0.46% | - | - |
| 08/2000 | 0.49% | 4.21% | 127 | 0.7 | 0.2 | -0 | 0.46% | - | - |
| 07/2000 | -0.05% | 3.7% | 125.9 | 0.7 | 0.2 | -0.1 | 0.46% | - | - |
| 06/2000 | 0.09% | 3.76% | 125.6 | 0.6 | 0.2 | -0 | 0.46% | - | - |
| 05/2000 | 1.05% | 3.66% | 125.2 | 1 | 0.8 | 0 | 0.46% | - | - |
| 04/2000 | -0.06% | 2.59% | 123.8 | 0.7 | 1.2 | 0 | 0.46% | - | - |
| 03/2000 | 1.78% | 2.65% | 124.4 | 0.6 | 0.8 | 0 | 0.46% | - | - |
| 02/2000 | 0.46% | 0.85% | 122.5 | 0.8 | 1.8 | 0 | 0.46% | - | - |
| 01/2000 | 0.39% | 0.39% | 123 | 0.9 | 0.4 | 0 | 0.46% | - | - |
| 12/1999 | 0.83% | 8.54% | 122.1 | 28.4 | 0.3 | 0 | - | - | - |
| 11/1999 | 1.05% | 7.64% | 93.2 | 1.2 | 0.1 | 0 | - | - | - |
| 10/1999 | 0.5% | 6.53% | 91.1 | 0.7 | 0 | 0 | - | - | - |
| 09/1999 | 0.72% | 6% | 90.1 | 0.6 | 0.1 | 0 | - | - | - |
| 08/1999 | 1.09% | 5.24% | 88.9 | 0.6 | 0.3 | 0 | - | - | - |
| 07/1999 | 0.98% | 4.1% | 87.7 | 0.6 | 0.1 | 0 | - | - | - |
| 06/1999 | -0.01% | 3.09% | 86.5 | 0.7 | 0.2 | 0 | - | - | - |
| 05/1999 | 0.67% | 3.1% | 86 | 0.6 | 0.3 | 0 | - | - | - |
| 04/1999 | 1.13% | 2.42% | 85.2 | 0.6 | 1.1 | 0 | - | - | - |
| 03/1999 | 0.85% | 1.27% | 84.9 | 0.6 | 1 | 0 | - | - | - |
| 02/1999 | 0.52% | 0.42% | 84.6 | 0.5 | 1.3 | 0 | - | - | - |
| 01/1999 | -0.1% | -0.1% | 85 | 1.4 | 3 | 0 | - | - | - |
סכומים במיליוני ש"ח. כל שורה נושאת מזהה שורה במאגר (data-src).
שאלות נפוצות
מה התשואה של מגדל השתלמות מסלול אשראי ואג"ח?
ב-07/2026: -0.2% לחודש, 2.48% מתחילת השנה, 17.27% ל-3 שנים ו-14.14% ל-5 שנים (מצטבר), לפי דיווח הגוף המנהל לרשות שוק ההון.
מה דמי הניהול במגדל השתלמות מסלול אשראי ואג"ח?
0.56% לשנה מהצבירה בממוצע. דמי הניהול בפועל של חוסך ספציפי עשויים להיות שונים.
האם מגדל השתלמות מסלול אשראי ואג"ח מומלצת?
האתר אינו ממליץ על קרנות. הדירוגים כאן הם לפי נתון בודד שבחרת. ייעוץ פנסיוני ניתן רק על ידי בעל רישיון.
קישורים
בדיקת פנסיה
בדיקת פנסיה חינם אצל בעל רישיון פנסיוני. האתר אינו מייעץ - הפנייה עוברת לבעל מקצוע מורשה בלבד.
מקור הנתונים: נתוני הגמל נט לשנת 1999-2022, רשות שוק ההון, ביטוח וחיסכון, data.gov.il, רישיון רישיון פתוח (data.gov.il). נמשך ב-2026-09-12 · נתוני הגמל נט לשנת 2023, רשות שוק ההון, ביטוח וחיסכון, data.gov.il, רישיון רישיון פתוח (data.gov.il). נמשך ב-2026-09-12 · נתוני הגמל נט לשנים 2024-היום, רשות שוק ההון, ביטוח וחיסכון, data.gov.il, רישיון רישיון פתוח (data.gov.il). נמשך ב-2026-09-12.
שטר הוא אתר פרטי, לא רשמי. הנתונים מוצגים כמות שהם; במקרה של סתירה, רק הפרסום הרשמי ייחשב כנכון. מצאת טעות? בקשת תיקון.
