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Retirement Planning in Israel - Labinsky Financial Dec-2013


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Retirement Planning in Israel - Labinsky Financial Dec-2013

  1. 1. Retirement Planning in Israel Baruch Labinsky MBA, TEP Licensed by the Israel Securities Authority Financial Planner/Investment Manager December 2013
  2. 2. Retirement Planning - Why? • Tale of two retirements • Planning for the unexpected … • Demographics of retirement
  3. 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. 4. Insurance – Your Changing Needs  Your insurance needs and their impact on your pension savings Disability Health insurance Long-term care (Se-udi) 
  5. 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. 6. Retirement Savings Options Keren Pensia  Bituach Menahalim  Kupot Gemel  Pitzuim  Kranot Hishtalmut 
  7. 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. 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. 9. Available in stores in Israel and abroad
  10. 10. For more information and mailing list signup 972 (0)2 991 0029