{"ok":true,"currency":"ILS","calculator":"Supermarker management fees calculator","dataMonth":"2026-08","inputs":{"product":"pension","productLabel":"קרן פנסיה","balance":250000,"deposit":2220,"feeDep":1.54,"feeBal":0.144,"directExp":0.25,"feeSource":"average","fund":null,"age":37,"horizon":"retire","years":30,"returnPct":4,"includeDirect":true},"annualCost":{"fromDeposit":410.26,"fromBalance":360,"direct":625,"total":1395.26,"perMonth":116.27,"equivalentOnBalancePct":0.5581},"regulatoryRate":{"pct":0.471,"formula":"feeBal + feeDep / 20 + directExp","source":"Israel Capital Market Authority, institutional bodies circular 2023-9-6 (expected annual cost), from 1/2024"},"projection":{"years":30,"finalBalance":2121535.8,"finalBalanceWithoutFees":2337130.37,"contributions":799200,"feesPaid":{"deposit":12307.68,"balance":44350.75,"direct":76997.83,"total":133656.27},"lostReturn":81938.3,"trueCost":215594.57},"market":{"peers":"track:בני 50 ומטה","n":9,"position":3,"cheaperCount":2,"percentile":22,"yourAnnualCost":1395.26,"averageAnnualCost":1569.64,"medianAnnualCost":1572.62,"weightedAverageFees":{"feeDep":1.5077,"feeBal":0.1438,"annualCostWithYourDirect":1386.12},"cheapestQuartileFees":{"feeDep":1.245,"feeBal":0.13,"annualCostWithYourDirect":1281.67},"cheapest":[{"id":14037,"name":"אינפיניטי מקיפה מסלול לבני 50 ומטה","company":"אינפיניטי השתלמות, גמל ופנסיה","track":"בני 50 ומטה","feeDep":1,"feeBal":0.18,"directExp":0.25,"annualCost":1341.4},{"id":2155,"name":"מיטב פנסיה מקיפה לבני 50 ומטה","company":"מיטב גמל ופנסיה","track":"בני 50 ומטה","feeDep":1.25,"feeBal":0.11,"directExp":0.3,"annualCost":1358},{"id":13909,"name":"מור פנסיה מקיפה - מסלול לבני 50 ומטה","company":"מור גמל ופנסיה","track":"בני 50 ומטה","feeDep":1.05,"feeBal":0.19,"directExp":0.29,"annualCost":1479.72}],"note":"Annual cost of every fund in the peer group on your balance and deposit, with each fund\u0027s own fees and direct expenses."},"caps":{"feeDep":6,"feeBal":0.5,"strict":true,"source":"תקנות הפיקוח על שירותים פיננסיים (קופות גמל) (דמי ניהול), התשע\"ב-2012, תקנה 3: פנסיה חדשה מקיפה"},"warnings":[],"assumptions":["Fees are percentages: feeDep is charged on every deposit, feeBal and directExp are annual rates on the balance.","Annual cost today = 12 x deposit x feeDep + balance x feeBal + balance x directExp.","Projection is monthly: deposit at the start of the month minus the deposit fee, monthly return (1+r)^(1/12)-1, then feeBal/12 and directExp/12 on the balance. Amounts in today\u0027s money (real return).","Default fees are the asset-weighted averages actually charged in the product (menahalim: the median), as reported by the funds to the Capital Market Authority; a fund that did not report a component gets the product median.","These are averages, not the terms of your own contract. Estimates only, not financial advice."],"source":{"name":"Supermarker","page":"https://www.supermarker.themarker.com/Calculators/Fees/ManagementFeesCalculator.aspx","deepLink":"https://www.supermarker.themarker.com/Calculators/Fees/ManagementFeesCalculator.aspx?product=pension\u0026age=37\u0026balance=250000\u0026deposit=2220\u0026horizon=retire#fc-calc","fundsData":"https://www.supermarker.themarker.com/Calculators/Fees/api/fees-funds.ashx?product=pension","compare":"https://www.supermarker.themarker.com/Pension/ComparePensionFunds.aspx","license":"Free to use with attribution to Supermarker."},"generatedAt":"2026-10-10T14:09:02.4655689Z"}