savings plans

Still leaving your money idle in a low-interest bank deposit? In recent years, the Investment Savings Policy has increasingly replaced traditional bank deposits and savings plans, becoming one of the most flexible and efficient medium-term investment tools available.

With its liquidity, flexibility and attractive long-term returns, this policy is ideal even for those with little or no experience in capital market investments. If your funds are still sitting in a bank account, now is the time to transition to a personalized savings plan that truly works for you.

What Is an Investment Savings Policy?
An Investment Savings Policy is a flexible savings and investment solution that allows you to grow your money over various time horizons and for any purpose - from funding your children’s education to saving for a new home or retirement.

This plan offers a wide range of investment portfolios, enabling you to choose the management style that suits your goals and risk preferences. Whether you prefer a one-time lump sum deposit or consistent monthly contributions, you can adjust or pause your deposits anytime - without penalties or hidden fees.

Key Benefits

• Flexible Contribution Options - Deposit almost any amount, either as a fixed monthly payment or as a one-time deposit. There’s no minimum term or commitment - you decide how much and when to save.

• Wide Variety of Investment Tracks - Choose from multiple professionally managed portfolios - including equity, bonds and mixed strategies - tailored to your personal financial objectives.

• Full Liquidity - You can make partial or full withdrawals at any time with no exit penalties. You can even set up a recurring monthly withdrawal, similar to a pension-style payout.

• Stable, Transparent Management Fees - Enjoy low, fixed management fees for the duration of the investment, with no additional service charges.

• Tax-Deferred Growth - You pay capital gains tax only upon withdrawal, allowing your investment to compound over time. Retirees may qualify for a full tax exemption on withdrawals (subject to legal limits).

• Borrow Against Your Savings - Need liquidity? Take a low-interest loan of up to 80% of your savings balance - without interrupting your investment or triggering capital gains tax.

• Professional Portfolio Management - Your funds are managed by leading investment houses such as Altshuler Shaham, Meitav Dash, Psagot and Excellence, providing broad diversification and professional oversight.
   

In today’s low-interest environment, traditional bank deposits simply don’t grow your money. Every day your funds remain idle, you lose potential returns.
At Astrateg Insurance and Financial Services, we’ll help you design a customized investment plan that matches your financial goals and risk profile - so your money can finally start working for you.