Navigate the Israeli pension and savings system including pension funds (keren pensia), manager's insurance (bituach menahalim), training funds (keren hishtalmut), and retirement planning. Use when user asks about Israeli pension, "pensia", "keren hishtalmut", retirement savings, "bituach menahalim", pension contributions, or tax benefits from savings. Covers mandatory pension, voluntary savings, and withdrawal rules. Uninformed pension decisions cost hundreds of thousands of NIS over a lifetime. Do NOT provide specific investment recommendations or fund performance comparisons.
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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.
npx skills-il add skills-il/tax-and-finance --skill israeli-pension-advisor -a claude-codeI 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?
Calculate the exact tax an Israeli tech employee will pay on stock options and RSUs under Section 102 of the Income Tax Ordinance. Covers exercise, sale, and exit events (acquisition, IPO, secondary sale). Produces a detailed tax breakdown showing gross gain, employment income portion (marginal rate), capital gains portion (25%), surtax (3%+2% above threshold), Bituach Leumi, and net proceeds after tax. Compares capital gains track vs income track side-by-side. Use when an employee asks how much tax they will owe on options, when a startup exit is approaching and they want to know net proceeds, or when deciding between capital gains and income tracks. Do NOT use for crypto taxation (use israeli-crypto-tax-reporter), company-side ESOP setup (use israeli-startup-toolkit), controlling shareholder profit extraction (use israeli-corporate-tax-strategy), annual tax return filing (use israeli-tax-returns), or payroll calculations (use israeli-payroll-calculator).
Chase unpaid invoices and manage debt collection for Israeli freelancers and businesses. Use when user asks about "unpaid invoices Israel", "payment reminder", "invoice aging", "debt collection freelancer", "michtav hitchayvut", "demand letter Hebrew", "tvi'ot ktanot", or "גביית חובות". Covers graduated WhatsApp/email reminder escalation, Hebrew demand letter generation, Small Claims Court eligibility assessment, and Shabbat/holiday- aware scheduling. Do NOT use for invoice generation (use israeli-e-invoice) or general accounting.
Save money in Israel through smart shopping, cashback optimization, subscription auditing, and deal hunting. Covers Zap price comparison, BuyMe strategies, cashback programs, credit card perks, loyalty stacking, seasonal sales, and recurring expense reduction. Helps identify unnecessary subscriptions and maximize savings on everyday purchases.
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