ALLOCATION LEDGER

blended cost —
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Type in how much you have to invest. It tells you where it goes.

Holdings
Current holdings — active funds
Invesco S&P 500 Invesco S&P 500 · ID 1183441 · fee 0.05%
₪
Invesco MSCI World Acc Invesco MSCI World Acc · ID 1185164 · fee 0.05%
₪
iShares Core MSCI EM IMI iShares Core MSCI EM IMI · ID 1159169 · fee 0.18%
₪
Current holdings — legacy (not adding to)
iShares Core S&P 500 iShares Core S&P 500 · ID 1159250 · counts as S&P
₪
iShares ACWI + Invesco FTSE All-World iShares ACWI + Invesco FTSE All-World · IDs 1159235, 1209220 · counts as World
₪
Invesco NASDAQ-100 Invesco NASDAQ-100 · ID 1186063 · outside the plan
₪
%
ACWI and FTSE All-World are all-world indices, so part of that position is already emerging markets. This share counts toward your EM target instead of the developed one. MSCI ACWI was 11.78% EM at 31 Jul 2026; FTSE All-World works out near 8.95% because FTSE counts South Korea (2.83% of ACWI) as developed while MSCI counts it as emerging. The 10.4% default is the two blended 50/50 — if you know your real ACWI/All-World split, enter the matching figure, as a single point here moves a ₪10,000 contribution by over ₪1,000.
Overall split
Target allocation

TARGET MIX
Change the mix you're aiming for
% vs World %
% vs EM %
Effective target: S&P — · World — · EM —
Where you stand now
New investment
₪
per fund
saved
Dividend income (reinvested)
You never receive this as cash. All seven funds are the accumulating kind: they take the dividends and buy more shares automatically, so the money shows up as a higher share price instead of a payment. Nothing to collect, nothing to reinvest by hand.
Annual cost — TER + dividend withholding
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Fund fees (TER) — —
Dividend withholding — —
Total drag — —
Show me each fund
Fund Value TER Div. WHT Total ₪ / year
Cost assumptions — edit if a provider changes fees or a yield drifts
Withholding drag is not billed to you; it is tax the fund pays on dividends it receives, before those dividends reach the fund's NAV. It lands on your return exactly like a fee does, which is why it is added to the TER above.

drag = yield × [ US share × US WHT + non-US share × non-US WHT ]

All seven are Ireland-domiciled UCITS, so US dividends are withheld at the 15% US–Ireland treaty rate rather than the 30% statutory rate — except in the three swap-based funds, which never receive US dividends at all and so pay 0%. The non-US rate is a weighted blend across many jurisdictions and is the softest number here; for the EM fund it is built from that fund's own country weights.
Checked against justETF fund profiles, index factsheets and PwC withholding summaries in August 2026; hover a fund name for its sources. Yields move constantly and providers do cut fees, so this is worth a spot-check once a year. Changes here save automatically and only affect the cost figures, never the rebalance math.
Backup & restore
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figures are for tracking only, not investment advice