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Author: skills-ilNavigate 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.