1. Retirement Planning
in Israel
Baruch Labinsky
MBA, TEP
Licensed by the Israel Securities Authority
Financial Planner/Investment Manager
December 2013
www.Labinsky.com

2. Retirement Planning - Why?
• Tale of two retirements
• Planning for the unexpected …
• Demographics of retirement

3. Planning for Peace of Mind
• Can’t plan for all circumstances
but …
• Can’t ignore the future
• Complete a self-diagnostic
exercise to evaluate your current
financial situation

4. Insurance – Your Changing
Needs

Your insurance needs and
their impact on your pension
savings
Disability
Health insurance
Long-term care (Se-udi)


5. Points to Ponder
• What you can expect from
Bituach Leumi
• Social security and the WEP
(windfall elimination provision)
• Israeli pension savings products
• Healthcare proxy
• Where there’s a will …

6. Retirement Savings Options
Keren Pensia
 Bituach Menahalim
 Kupot Gemel
 Pitzuim
 Kranot Hishtalmut


7. Investing in Retirement
• Israeli assets as part of your
retirement investment decisions?
• When to bring money over from your
retirement savings abroad
• What to do with the financial
repression
• Critical to define your investment
needs
• Asset diversification

8. Strategies for When Coming Up
Short
• Monitoring your financial progress
• Is the issue temporary or
systemic?
• Easier to create reward system for
an enjoyable process

9. Available in stores in Israel and abroad

10. For more information and mailing list
signup
www.labinsky.com
972 (0)2 991 0029