Jerusaguide Budget Template for Israel This was shared a few years back on Jerusaguide.

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Exporting tips for Israeli accounts and cards? I want a list of transactions. But my export from Poalim doesn't include details about card transactions - just the fact that it was done. I thus need to get it from the ISRACARD website. On the ISRACARD website, I need to download one-by-one monthly CSVs of expenses. Then I need to out all the the individual months together after cleaning out 1) extra rows of subtotals 2)al oversees transaction have a different tabular format Then once I have done that for all the months of the time period I am looking at.. then I assume I will need to put it together with the details from Poalim and reconcile the card transactions with recurring debit orders and manual transfers. There must be a simpler way?

I found my tlush very puzzling so I built a spreadsheet to check if it adds up. Now it does. This calculates how much BTL you should be paying, it ignores Income Tax as I don't pay, but if someone wants to improve on it you are welcome Just make a copy in order to adjust

Also it assumes max payments to KHT, can be adjusted

#C04EHDK97K8 in #C04G7BK8GQJ I have a fund that tracks the S&P500, how can I find out if it tracks the S&P with dividends re-invested or just the index itself, I have looked in funder.co.il and gemelnet.co.il nowhere does it say

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my son's BM is in a year. I have a category in YNAB for this, so i've been saving money. But since I don't need the money for a year, I'd rather it...lose less...to inflation (or maybe even gain if that's possible) My bank (mizrachi) offers many different pakams, but it seems that once I deposit money in there, I can't deposit more next month. What are my best options? (currently reading this article: https://bluewhitefinance.com/short-term-savings-in-israel/), but also would like other thoughts and opinions.

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Question: If I want to invest for my kids, for minors or teenagers, how can you do that in Israel? Can I invest in the stock market from the bank? How? Of should I call up Harel, or a place like that? What makes sense for Israel/American (pfic, etc)?

Asking for an Israeli family member, temporarily living in America without cutting ties to here e.g. still pays Bituach Leumi. Bank Hapoalim informs her that as she has been living in America for longer than six months they will close her investment accounts in Israel. 1. Does anyone know if this is a policy for all banks? If there are banks that don't do that please let me know which ones. 2. Is there another way around this problem? 3. Can you recommend a lawyer/accountant who may have experience in this matter. Thanks, David Guy deegee.plus@gmail.com 0528553568

I have an old-style Bituach Minahalim with a מקדם קצבה מובטח (guaranteed annuity factor), which you can't get any more. However, the fees are very high so the pension guy recommends ditching it (it's anyway split, this is only half my pension). It's not an easy call because the מקדם מובטח is valuable and there's no going back once it's gone. Basically, if life expectancy increases significantly by the time I retire, it's worth keeping this plan since it'll be based on the factor in 2013 rather than at retirement. I'm looking for figures of what the annuity factor is now and how it's changed over the last 20 years, as a guide to the next 20 years, but I can't find it anywhere. Any leads, or other general advice on this question?

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Added Income Tax calculator to tlush spreadsheet, check it out and let us know if it matches your tlush

So I'm a dual citizen currently living in the US. I'm investing in Roth ira, 401k etc but I feel like if/when I retire in Israel I'll end up having to pay a TON in taxes. If anyone knows about this kind of situation and would like to advise I'd appreciate. Otherwise this is just a #rant 😆

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Any good resources for cutting costs in Israel? ie, how much does a water bar actually cost in electric, how much can you save by hang-drying laundry, how to get discounts on bills...

another app that connects to your accounts (and insurances) https://www.familybiz.co.il/ unfortunately, only available as an app, not a website

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I made some research recently regarding private medical insurance. I found out that there is a heavily discounted PMI ביטוח קבוצתי that gives slightly less cover at 50% of the market price. As an example, I was quoted ~₪700/mo for my family, but I bought ביטוח קבוצתי for ₪360/mo (family 5 kids, comprehensive cover) For details, please DM me.

anybody wanna weigh in over here? https://frumfinance.slack.com/archives/C093EMUUC68/p1751821464081089

Hi all, family making Aliyah in a year BeH. Looking for guidance on how you handle utilizing American retirement funds when planning to make Aliyah and once in Israel. Which types of accounts do you use - Roth, traditional, brokerage, etc? Did you close American accounts after moving? Do you still invest through those accounts in addition to an Israeli investment plan? TIA!!

Nice and easy intro to investing in stocks from Israel, recorded Aug 14 2025

Hi, where can I find information about investing long and short term, if I have both an American and Israeli citizenship?

For those Israelis investing via IBKR, Mazel Tov its been promoted to S&P 500 🎈

Are there any US citizens <!here> that invest in US ETFs via IBKR? I have 2 questions 1. How did you open the account - single or joint? 2. Are you able to buy Vanguard ETFs like VT and VTI?

Does my 18 year daughter, who's not planning on going into the IDF, need to pay B"L? And if so, at what point where they planning on sending her a bill