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ראשי » השקעות ופיננסים » קופת גמל

קופת גמל

קופת גמל הינה מרכיב מרכזי בתיק פנסיה של כל שכיר ועצמאי החוסך לטווח ארוך במדינת ישראל. קופת גמל נועדה להבטיח, שלחוסך המגיע לגיל פנסיה, תובטח הכנסה חודשית.

שני המרכיבים אשר משלימים את תיק הפנסיה עם קופת הגמל הם פוליסת ביטוח מנהלים וקרן פנסיה.
בעקבות רפורמת בכר בשנת 2008, יכולים כעת חוסכים בקופות גמל, לנייד את חסכונותיהם לקופה אחרת. מכיוון שמדובר על חיסכון ארוך טווח, תשואות גבוהות בקופת גמל לאורך תקופה ממושכת, מתבטאת ברווח כספי משמעותי בסיום תקופת החיסכון.

נושאים שעליך לשקול לפני הצטרפות לקופת גמל או מעבר לקופה אחרת:

בחירת סוג החיסכון – איזה סוג חיסכון אתה צריך והאם כבר יש לך קרן פנסיה?
הטבות המגיעות לך – אלו הטבות מגיעות לך עבור השתייכותך לקופת גמל?
מי מנהל את הקופה – מי הגוף שמנהל את קופת הגמל ואיזה ניסיון וידע הוא מביא?
אפיקי חיסכון – אלו אפיקי חיסכון מוצעים לך בקופת הגמל (כללי, חשוף למניות, מסלול מנייתי)
אלו תשואות השיגה – אילו תשואות השיגה הקופה בשנים האחרונות?
רמות שונות של סיכונים – מה רמת הסיכון בהרכב נכסי הקופה?
הסכום ביציאה לפנסיה – איזה סכום תקבל בסוף תקופת החיסכון?
שירות לקוחות – מי ישמור עמך על קשר? (פניות שוטפות, הוצאת דו"ח תקופתי ומענה על שאלות)

אנא השאירו פרטים ונחזור אליכם בהקדם:

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