Israeli Pension Advisor
Verified92/100Navigate the Israeli pension and savings system including pension funds (keren pensia), manager's insurance (bituach menahalim), training funds (keren hishtalmut), severance at Form 161, Tikun 190 post-60 deposits, and pension division at divorce or relocation. Use when user asks about Israeli pension, "pensia", "keren hishtalmut", retirement savings, "bituach menahalim", pension contributions, tax benefits, severance continuity (rezef zechuyot), or Tikun 190. Covers mandatory pension, voluntary savings, withdrawal rules, and life events. Uninformed pension decisions cost hundreds of thousands of NIS over a lifetime. Do NOT provide specific investment recommendations or fund performance comparisons.
Trust score 92/100 (Verified) · 676+ installs · 3 GitHub contributors · MIT license
The Israeli pension system is one of the most complex in the world, with pension funds, provident funds, managers' insurance, education funds, and various investment tracks. Most people do not understand what they have, how much they pay in management fees, or whether their coverage fits their situation. Uninformed decisions in this area cost hundreds of thousands of shekels over a lifetime.
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npx skills-il add skills-il/tax-and-finance@v2.3.0-israeli-pension-advisor --skill israeli-pension-advisor -a claude-codeWhen to Apply
- When starting a new job and choosing a pension fund
- When reviewing pension management fees and considering switching funds
- When approaching retirement age and planning withdrawals
- When transitioning from employee to freelance and need to understand self-employed pension obligations
- When checking if your employer is making all required contributions
- When ending employment and need to file Part B of the new Form 161 (within ~10 business days)
- When 60+ with a lump sum (severance, business sale, inheritance) to consider a Tikun 190 deposit
- At divorce, to register the decree directly with the pension fund for split
- When planning relocation abroad and checking Israeli tax on pension income
Try These Prompts
I am an employee earning 18,000 NIS. How much should I contribute to a keren hishtalmut, what are the tax benefits, and when does the money become liquid?
How do I compare pension funds in Israel? What are the key parameters to look at and which investment track is recommended for a 35-year-old?
I am 50 years old and have 400,000 NIS in my pension fund. Am I on track to retire at 67 and what can I do to improve my pension?
I am ending a job with 80,000 NIS of severance under full Section 14. I am 40. What should I choose in Part B of the new Form 161, and what is the penalty if I cash it all out?
I am 64, sold a business for 1.5M NIS. My private pension is 8,000 NIS/month. Is Tikun 190 right for me and what is the benefit vs a regular brokerage account?
Frequently Asked Questions
Changelog
Fixed two accuracy defects: Tikun 190 is taxed at 15% on the NOMINAL gain (not the real one) against 25% real in comparable channels, and the mandatory-pension insurable ceiling is the average wage rather than twice it. Separated the three ceilings that had been merged, named the default funds, and verified every 2026 ceiling against source.
Jul 20, 2026
2026 update: bumped the Tikun 190 minimum pension threshold to NIS 5,306 and fixed the lifetime exempt-capital-pool formula (kibua zechuyot = 180 x the monthly exempt pension ~= NIS 976,000, replacing a wrong formula and ~50% overstated figure).
Jun 29, 2026
Major update: added new Step 7 on Tikun 190 deposits for ages 60+ (post-retirement tax shelter). Form 161 fully rewritten to the new January 2024 unified form (Parts A/B/C, ~10 business day window, rezef-kitzbah default). Section 14 expanded to 4 real-world sub-cases. New Step 9 on life events (divorce, relocation abroad, spousal attribution). Women's retirement age corrected to 63 years 3 months. Survivors pension corrected to 60% spouse + 40% orphans combined + 20% dependent parent. Calculator bug fixes (insurable salary cap, hishtalmut ceiling, mekadem hamara).
May 18, 2026
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