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dir=\"rtl\">כן<span class=\"s1\">, </span>ניתן לפתוח קופה נוספת במעמד עצמאי ולהנות מפטור של<span class=\"s1\"> 25% </span>מס רווח הון במשיכה עד התקרה<span class=\"s1\"> (19,920 </span>₪ בשנת<span class=\"s1\"> 2023). <br /></span>את הכספים ניתן למשוך ללא מס לאחר<span class=\"s1\"> 6 </span>שנים מתחילת ההפקדות לקרן ולכל מטרה<span class=\"s1\">, </span>או לאחר<span class=\"s1\"> 3 </span>שנים ותק בקרן וזאת לצורך מימון השתלמויות או לימודים בארץ או בחול<span class=\"s1\">.</span></p>","@type":"Answer"}},{"name":"אני שכיר והמעסיק לא מפקיד לי לקרן השתלמות, האם אני יכול לפתוח קופה במעמד עצמאי?","@type":"Question","acceptedAnswer":{"text":"<p class=\"p1\" dir=\"rtl\">לא<span class=\"s1\">, </span>רק עובדים עצמאים יכולים להפקיד חלק מהכנסתם לקרן השתלמות ולהנות מהטבות מס<span class=\"s1\">.</span></p>","@type":"Answer"}},{"name":"עברו 6 שנים מתחילת ההפקדות בקרן ואני מעוניין למשוך חלק מהכספים שהצטברו, האם אני יכול?","@type":"Question","acceptedAnswer":{"text":"<p class=\"p1\" dir=\"rtl\">כן<span class=\"s1\">, </span>במידה ותבחרו לבצע משיכה חלקית<span class=\"s1\">, </span>הקרן תיסגר להפקדות חדשות<span class=\"s1\">.</span></p><p class=\"p1\" dir=\"rtl\">הכספים שהיו נזילים יישארו נזילים ואותם תוכלו למשוך בכל עת ועל ההפקדות החדשות תצטרכו להמתין<span class=\"s1\"> 6 </span>שנים נוספות עד למשיכה<span class=\"s1\">.</span></p>","@type":"Answer"}},{"name":"יש לי 100,000 ₪ בקרן השתלמות. האם אני יכול לקבל הלוואה ע\"ח הכספים שלי בקרן?","@type":"Question","acceptedAnswer":{"text":"<p class=\"p1\" dir=\"rtl\">כן<span class=\"s1\">, </span>ברוב חברות הביטוח תוכלו לקבל הלוואה ע<span class=\"s1\">\"</span>ח הכספים בקרן<span class=\"s1\">.</span></p><p class=\"p1\" dir=\"rtl\">בדר<span class=\"s1\">\"</span>כ ההלוואה תהיה לתקופה של עד<span class=\"s1\"> 7 </span>שנים<span class=\"s1\">.</span></p><p class=\"p1\" dir=\"rtl\">מומלץ להתייעץ עם איש מקצוע בנושא<span class=\"s1\">.</span></p>","@type":"Answer"}}]}],"@context":"https://schema.org"},"created_at":"2026-05-28T20:36:03.465059+00:00","updated_at":"2026-07-04T17:06:24.487+00:00","faq":[{"answer":"<p class=\"p1\" dir=\"rtl\">כן<span class=\"s1\">, </span>ניתן לפתוח קופה נוספת במעמד עצמאי ולהנות מפטור של<span class=\"s1\"> 25% </span>מס רווח הון במשיכה עד התקרה<span class=\"s1\"> (19,920 </span>₪ בשנת<span class=\"s1\"> 2023). <br /></span>את הכספים ניתן למשוך ללא מס לאחר<span class=\"s1\"> 6 </span>שנים מתחילת ההפקדות לקרן ולכל מטרה<span class=\"s1\">, </span>או לאחר<span class=\"s1\"> 3 </span>שנים ותק בקרן וזאת לצורך מימון השתלמויות או לימודים בארץ או בחול<span class=\"s1\">.</span></p>","category":"general","question":"אני גם שכיר וגם עצמאי. המעסיק מפקיד עבורי לקרן השתלמות. האם אני יכול להפקיד גם במעמד עצמאי ולהנות מהטבת מס?"},{"answer":"<p class=\"p1\" dir=\"rtl\">לא<span class=\"s1\">, </span>רק עובדים עצמאים יכולים להפקיד חלק מהכנסתם לקרן השתלמות ולהנות מהטבות מס<span class=\"s1\">.</span></p>","category":"general","question":"אני שכיר והמעסיק לא מפקיד לי לקרן השתלמות, האם אני יכול לפתוח קופה במעמד עצמאי?"},{"answer":"<p class=\"p1\" dir=\"rtl\">כן<span class=\"s1\">, </span>במידה ותבחרו לבצע משיכה חלקית<span class=\"s1\">, </span>הקרן תיסגר להפקדות חדשות<span class=\"s1\">.</span></p><p class=\"p1\" dir=\"rtl\">הכספים שהיו נזילים יישארו נזילים ואותם תוכלו למשוך בכל עת ועל ההפקדות החדשות תצטרכו להמתין<span class=\"s1\"> 6 </span>שנים נוספות עד למשיכה<span class=\"s1\">.</span></p>","category":"general","question":"עברו 6 שנים מתחילת ההפקדות בקרן ואני מעוניין למשוך חלק מהכספים שהצטברו, האם אני יכול?"},{"answer":"<p class=\"p1\" dir=\"rtl\">כן<span class=\"s1\">, </span>ברוב חברות הביטוח תוכלו לקבל הלוואה ע<span class=\"s1\">\"</span>ח הכספים בקרן<span class=\"s1\">.</span></p><p class=\"p1\" dir=\"rtl\">בדר<span class=\"s1\">\"</span>כ ההלוואה תהיה לתקופה של עד<span class=\"s1\"> 7 </span>שנים<span class=\"s1\">.</span></p><p class=\"p1\" 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