נתונים היסטוריים · גמל

הראל קמ"פ מסלול אג"ח צמוד מדד

נתונים היסטוריים מלאים עבור הראל קמ"פ מסלול אג"ח צמוד מדד, 196 חודשים. לצפייה בגרפים אינטראקטיביים וזום לתאריכים — עברו לכלי ההשוואה.

מזהה קרן: 741 | שם קרן: הראל קמ"פ מסלול אג"ח צמוד מדד | סיווג קרן: מרכזית לפיצויים | חברה שולטת: הראל השקעות בביטוח ושירותים פיננסיים בע"מ | חברה מנהלת: הראל פנסיה וגמל בע"מ | אוכלוסיית יעד: כלל האוכלוסיה | התמחות: אג"ח | תת התמחות: אג"ח צמוד מדד.

למערכת הגרפים וההשוואה מעבר לגרפים אינטראקטיביים, זום ותצוגת מדדים
חודשים בטווח 196
תשואה חודשית אחרונה +1.42%
תשואה מצטברת מההתחלה +68.75%
חודש תשואה חודשית תשואה מצטברת דמי ניהול שנתיים אלפא שארפ סטיית תקן הפקדות נטו
(מ׳ ש״ח)
סך הנכסים
(מ׳ ש״ח)
חשיפה למניות חשיפה לחו״ל חשיפה למט״ח
2026-05 +1.42% +68.75% 0.64% -0.36% -0.03 3.25% -0.06 44.77 0.00% 3.19% 0.47%
2026-04 +1.26% +66.39% 0.64% -0.36% -0.11 3.24% -0.57 44.20 0.00% 3.03% 0.48%
2026-03 -0.90% +64.32% 0.64% -0.36% -0.20 3.21% -2.25 44.27 0.00% 3.23% 0.59%
2026-02 -0.24% +65.81% 0.64% -0.24% -0.03 3.19% -1.12 46.91 0.00% 2.81% 0.62%
2026-01 +0.31% +66.21% 0.64% -0.12% 0.04 3.18% -0.04 48.20 0.00% 2.01% 0.71%
2025-12 +0.14% +65.69% 0.64% -0.12% 0.07 3.19% -4.44 48.13 0.00% 1.97% 0.71%
2025-11 +0.07% +65.46% 0.64% -0.12% 0.11 3.20% -0.16 52.56 0.00% 1.98% 0.80%
2025-10 +0.84% +65.35% 0.64% -0.12% 0.19 3.24% -0.13 52.71 0.00% 1.94% 0.93%
2025-09 +0.94% +63.97% 0.64% -0.12% 0.14 3.23% -0.17 52.43 0.00% 1.95% 0.97%
2025-08 +0.67% +62.44% 0.64% -0.12% 0.04 3.30% -0.02 52.14 0.00% 1.98% 1.00%
2025-07 +0.23% +61.36% 0.64% -0.12% 0.05 3.34% -0.54 51.82 0.00% 2.08% 1.18%
2025-06 +1.99% +60.99% 0.64% -0.12% 0.07 3.34% -0.06 52.32 0.00% 1.97% 1.05%
2025-05 -0.36% +57.85% 0.64% -0.24% -0.14 3.32% -0.68 51.38 0.00% 2.00% 1.09%
2025-04 +0.95% +58.42% 0.64% -0.12% -0.02 3.36% -0.30 52.29 0.00% 0.76% 1.05%
2025-03 -0.80% +56.93% 0.64% -0.12% -0.01 3.50% +3.60 52.12 0.00% 0.77% 1.04%
2025-02 +0.64% +58.19% 0.64% -0.60% -0.05 4.32% +0.42 48.97 0.00% 0.71% 1.00%
2025-01 +0.10% +57.19% 0.64% -0.60% -0.07 4.31% -0.86 48.25 0.00% 0.79% 1.04%
2024-12 +0.54% +57.03% 0.65% -0.60% -0.05 4.31% -0.14 49.10 0.00% 0.88% 1.28%
2024-11 +0.98% +56.19% 0.65% -0.60% -0.07 4.31% -0.54 49.00 0.00% 0.96% 1.39%
2024-10 +0.00% +54.67% 0.65% -0.60% -0.12 4.30% -0.03 49.09 0.00% 0.94% 1.39%
2024-09 +0.52% +54.67% 0.65% -0.60% -0.09 4.30% -0.95 49.14 0.00% 0.92% 1.40%
2024-08 +1.40% +53.87% 0.65% -0.18 4.30% -0.04 49.87 0.00% 0.88% 1.34%
2024-07 +0.91% +51.75% 0.65% -0.72% -0.18 4.26% -0.07 49.24 0.00% 1.00% 1.42%
2024-06 -0.22% +50.38% 0.65% -0.84% -0.22 4.25% -0.30 48.90 0.00% 2.17% 1.68%
2024-05 -0.12% +50.71% 0.65% -0.84% -0.16 4.26% -0.30 49.32 0.00% 2.15% 1.68%
2024-04 -0.24% +50.89% 0.65% -0.72% -0.12 4.26% -0.03 49.72 0.00% 2.09% 1.67%
2024-03 +0.24% +51.25% 0.65% -0.84% -0.05 4.26% +0.00 49.90 0.00% 2.06% 1.66%
2024-02 +0.48% +50.89% 0.65% -0.84% -0.03 4.27% -0.58 49.81 0.00% 2.03% 1.61%
2024-01 +0.08% +50.17% 0.65% -0.72% -0.02 4.27% -0.41 50.13 0.00% 1.78% 1.64%
2023-12 +1.24% +50.05% 0.74% -0.84% 0.03 4.29% -0.09 50.57 0.00% 1.74% 1.58%
2023-11 +2.95% +48.21% 0.74% -0.84% -0.05 4.28% -0.22 49.98 0.00% 1.38% 1.60%
2023-10 -2.52% +43.97% 0.74% -0.84% -0.29 4.09% -0.42 48.91 0.00% 1.37% 1.59%
2023-09 -0.82% +47.69% 0.74% -0.84% -0.07 3.92% -0.19 50.65 0.00% 1.32% 1.58%
2023-08 -0.01% +48.91% 0.74% -0.72% 0.04 3.90% +0.00 51.29 0.00% 1.42% 1.46%
2023-07 +0.28% +48.92% 0.74% -0.84% 0.09 3.90% -0.08 51.33 0.00% 1.44% 1.42%
2023-06 +0.35% +48.51% 0.74% -0.84% 0.10 3.90% -0.63 51.29 0.00% 1.44% 1.42%
2023-05 +1.35% +47.99% 0.74% -0.84% 0.11 3.90% -0.17 51.77 0.00% 1.43% 1.41%
2023-04 +0.27% +46.02% 0.74% -0.84% 0.02 3.86% -0.31 51.28 0.00% 1.40% 1.40%
2023-03 +0.64% +45.63% 0.74% -0.84% 0.03 3.86% -0.87 51.49 0.00% 1.40% 1.38%
2023-02 -1.36% +44.70% 0.74% -0.84% 0.01 3.85% -0.41 52.04 0.00% 1.38% 1.35%
2023-01 +1.27% +46.69% 0.74% -0.84% 0.14 3.82% -0.13 53.18 0.00% 1.34% 1.28%
2022-12 -0.75% +44.85% 0.66% -0.72% 0.07 3.79% -0.02 52.72 0.00% 1.37% 1.25%
2022-11 +0.08% +45.95% 0.66% -0.72% 0.17 3.77% -0.15 53.11 0.00% 1.66% 1.54%
2022-10 +0.12% +45.83% 0.66% -0.72% 0.20 3.77% -0.10 53.25 0.00% 1.67% 1.54%
2022-09 -1.35% +45.66% 0.66% -0.72% 0.22 3.78% -0.10 53.34 0.00% 1.67% 1.54%
2022-08 -0.83% +47.65% 0.66% -0.72% 0.36 3.72% -0.84 54.17 0.00% 1.61% 1.46%
2022-07 +0.60% +48.89% 0.66% -0.84% 0.47 3.70% -0.40 55.52 0.00% 1.62% 1.48%
2022-06 +0.64% +48.00% 0.66% -0.84% 0.43 3.69% -0.78 55.64 0.00% 3.99% 3.07%
2022-05 -2.06% +47.06% 0.66% -0.84% 0.36 3.70% -0.19 56.05 0.00% 3.84% 3.00%
2022-04 -0.15% +50.15% 0.66% -0.84% 0.60 3.56% -1.21 57.39 0.00% 4.04% 2.84%
2022-03 +0.47% +50.38% 0.66% -1.08% 0.65 3.58% -0.42 58.73 0.00% 3.98% 2.79%
2022-02 -1.05% +49.67% 0.66% -0.96% 0.61 3.58% -0.80 58.89 0.00% 3.96% 2.60%
2022-01 -1.26% +51.26% 0.66% -1.08% 0.73 3.54% -0.15 60.39 0.00% 3.92% 2.58%
2021-12 -0.09% +53.19% 0.74% -1.08% 0.88 3.47% -0.02 17.48 0.00% 1.66% 2.06%
2021-11 +0.12% +53.33% 0.74% -1.08% 0.90 3.47% -0.28 17.52 0.00% 1.66% 2.05%
2021-10 +1.12% +53.15% 0.74% -1.08% 0.88 3.49% +0.00 17.79 0.00% 1.63% 2.08%
2021-09 +0.49% +51.45% 0.74% -0.96% 0.80 3.46% -0.05 17.60 0.00% 1.70% 2.16%
2021-08 +1.27% +50.71% 0.74% -0.96% 0.73 3.49% -0.54 17.58 0.00% 1.71% 2.16%
2021-07 +0.25% +48.82% 0.74% -0.84% 0.63 3.46% -0.75 17.74 0.90% 0.62% 2.03%
2021-06 +0.10% +48.45% 0.74% -0.84% 0.63 3.47% -0.09 18.63 0.97% 0.59% 2.09%
2021-05 +1.20% +48.30% 0.74% -0.84% 0.64 3.47% -0.10 18.70 1.02% 0.48% 1.98%
2021-04 +0.69% +46.54% 0.74% -0.96% 0.54 3.45% -0.13 18.59 0.81% 0.48% 1.78%
2021-03 +0.97% +45.54% 0.74% -1.08% 0.50 3.45% -0.10 18.60 0.54% 0.59% 1.45%
2021-02 +0.14% +44.14% 0.74% -1.08% 0.44 3.43% -0.63 18.53 0.43% 0.59% 1.19%
2021-01 +0.86% +43.94% 0.74% -1.08% 0.44 3.44% -0.30 19.13 0.26% 0.58% 0.99%
2020-12 +0.54% +42.71% 0.78% -1.20% 0.37 3.42% -0.56 19.29 0.05% 0.57% 0.67%
2020-11 +1.49% +41.95% 0.78% -1.20% 0.31 3.44% -0.31 19.65 0.05% 0.56% 0.66%
2020-10 -0.01% +39.86% 0.78% -0.96% 0.19 3.38% -1.48 19.66 0.05% 0.56% 0.61%
2020-09 -1.33% +39.88% 0.78% -1.08% 0.20 3.38% -0.63 21.16 0.05% 0.57% 0.52%
2020-08 +1.49% +41.76% 0.78% -1.08% 0.30 3.36% -0.44 22.10 0.05% 0.54% 0.50%
2020-07 +0.28% +39.68% 0.78% -1.08% 0.17 3.30% -0.39 22.23 0.04% 0.54% 0.49%
2020-06 -1.36% +39.29% 0.78% -0.96% 0.16 3.31% -0.35 22.57 0.04% 0.53% 0.49%
2020-05 +1.46% +41.21% 0.78% -0.60% 0.25 3.33% -0.32 23.25 0.04% 0.47% 0.30%
2020-04 +2.53% +39.18% 0.78% -0.72% 0.13 3.27% -0.15 23.26 0.04% 0.52% 0.30%
2020-03 -5.50% +35.74% 0.78% -0.72% -0.08 3.11% -0.76 22.84 0.04% 0.57% 0.31%
2020-02 +0.13% +43.64% 0.78% +0.00% 0.93 1.86% -0.41 24.99 0.04% 0.52% 0.28%
2020-01 +0.18% +43.46% 0.78% +0.00% 0.93 1.92% -0.20 25.38 0.04% 0.51% 0.28%
2019-12 -0.11% +43.20% 0.71% +0.00% 0.99 1.94% -0.11 25.54 0.04% 0.51% 0.31%
2019-11 +0.02% +43.36% 0.71% -0.12% 0.92 2.04% -0.22 25.70 0.04% 0.54% 0.31%
2019-10 +0.22% +43.33% 0.71% -0.12% 0.92 2.04% -0.17 25.93 0.04% 0.46% 0.31%
2019-09 +0.66% +43.01% 0.71% -0.24% 0.87 2.05% -0.54 26.06 0.04% 0.46% 0.27%
2019-08 -0.26% +42.08% 0.71% -0.24% 0.74 2.05% -0.05 26.44 0.04% 0.42% 0.30%
2019-07 +0.43% +42.45% 0.71% -0.24% 0.85 2.08% -0.23 26.57 0.04% 0.41% 0.30%
2019-06 +0.74% +41.84% 0.71% -0.36% 0.78 2.08% -0.17 26.69 0.04% 0.49% 0.30%
2019-05 +0.11% +40.80% 0.71% -0.36% 0.66 2.06% -0.12 26.69 0.04% 0.52% 0.30%
2019-04 +0.63% +40.64% 0.71% -0.36% 0.64 2.06% -0.11 26.80 0.04% 0.52% 0.30%
2019-03 +0.72% +39.76% 0.71% -0.24% 0.57 2.06% -0.76 26.73 0.04% 0.56% 0.30%
2019-02 +0.76% +38.76% 0.71% -0.24% 0.49 2.05% -0.07 27.32 0.04% 0.62% 0.26%
2019-01 +1.03% +37.71% 0.71% -0.36% 0.38 2.03% +0.56 27.20 0.04% 0.62% 0.26%
2018-12 -0.57% +36.31% 0.71% -0.24% 0.23 1.99% -0.27 26.40 0.04% 0.64% 0.27%
2018-11 -0.44% +37.09% 0.71% -0.24% 0.31 1.99% -0.35 26.83 0.04% 0.67% 0.30%
2018-10 -0.48% +37.70% 0.71% -0.24% 0.46 2.02% -0.07 27.33 0.04% 0.66% 0.29%
2018-09 -0.09% +38.36% 0.71% -0.24% 0.58 2.01% -0.01 27.54 0.04% 0.65% 0.25%
2018-08 +0.42% +38.49% 0.71% -0.24% 0.64 2.04% -0.65 27.59 0.04% 0.65% 0.25%
2018-07 +0.06% +37.91% 0.71% -0.24% 0.54 2.05% -0.14 28.14 0.04% 0.68% 0.25%
2018-06 +0.12% +37.82% 0.71% -0.12% 0.59 2.10% -0.24 28.27 0.04% 0.71% 0.25%
2018-05 -0.08% +37.66% 0.71% -0.12% 0.54 2.12% -0.42 28.49 0.04% 0.70% 0.25%
2018-04 +0.38% +37.77% 0.71% +0.00% 0.60 2.13% -0.47 28.95 0.03% 0.79% 0.24%
2018-03 +0.20% +37.25% 0.71% +0.00% 0.57 2.15% +0.01 29.33 0.03% 0.75% 0.24%
2018-02 -0.76% +36.97% 0.71% -0.12% 0.54 2.15% -0.72 29.28 0.03% 0.79% 0.27%
2018-01 +0.54% +38.02% 0.71% -0.12% 0.71 2.11% -0.35 30.22 0.03% 0.76% 0.26%
2017-12 +0.21% +37.28% 0.73% +0.00% 0.64 2.10% +0.06 30.45 0.03% 0.69% 0.26%
2017-11 +0.64% +36.99% 0.73% -0.12% 0.61 2.10% -0.73 30.34 0.03% 0.73% 0.26%
2017-10 +0.59% +36.12% 0.73% -0.12% 0.51 2.09% -0.47 30.90 0.03% 0.74% 0.26%
2017-09 -0.07% +35.32% 0.73% -0.24% 0.46 2.13% -0.02 31.20 0.03% 0.74% 0.26%
2017-08 +0.48% +35.42% 0.73% -0.12% 0.53 2.18% -0.25 31.26 0.03% 0.77% 0.29%
2017-07 +0.21% +34.77% 0.73% -0.12% 0.45 2.18% -0.02 31.35 0.03% 0.73% 0.26%
2017-06 -0.48% +34.49% 0.73% -0.12% 0.49 2.33% -0.19 31.33 0.03% 0.80% 0.26%
2017-05 +0.49% +35.14% 0.73% -0.12% 0.53 2.35% -0.32 31.70 0.03% 0.82% 0.25%
2017-04 +1.14% +34.48% 0.73% +0.00% 0.45 2.35% -0.26 31.88 0.03% 0.85% 0.25%
2017-03 +0.16% +32.96% 0.73% -0.12% 0.33 2.35% -0.36 31.80 0.03% 0.85% 0.25%
2017-02 -0.14% +32.75% 0.73% -0.12% 0.32 2.35% -0.46 32.15 0.03% 0.93% 0.25%
2017-01 +0.24% +32.94% 0.73% +0.00% 0.36 2.35% -0.36 32.53 0.03% 0.92% 0.28%
2016-12 -0.09% +32.62% 0.65% +0.12% 0.38 2.40% -0.21 32.91 0.03% 0.97% 0.27%
2016-11 -0.47% +32.74% 0.65% +0.12% 0.41 2.41% -0.29 33.16 0.06% 1.06% 0.27%
2016-10 +0.12% +33.37% 0.65% +0.36% 0.47 2.40% -0.31 33.63 0.06% 1.13% 0.27%
2016-09 -0.81% +33.21% 0.65% +0.36% 0.48 2.42% -0.42 33.92 0.06% 1.12% 0.27%
2016-08 -0.11% +34.29% 0.65% +0.36% 0.62 2.37% +0.40 34.64 0.06% 1.10% 0.26%
2016-07 +0.77% +34.44% 0.65% +0.36% 0.63 2.37% -0.11 34.30 0.09% 1.55% 0.26%
2016-06 +0.39% +33.41% 0.65% +0.36% 0.55 2.37% -0.24 34.16 0.09% 1.49% 0.23%
2016-05 -0.28% +32.90% 0.65% +0.36% 0.49 2.37% +1.58 34.28 0.09% 1.52% 0.23%
2016-04 +0.77% +33.27% 0.65% +0.36% 0.55 2.36% -0.96 32.82 0.09% 1.52% 0.24%
2016-03 +0.35% +32.25% 0.65% +0.36% 0.45 2.35% -1.94 33.54 0.09% 1.49% 0.24%
2016-02 +0.59% +31.79% 0.65% +0.24% 0.34 2.43% -0.39 35.41 0.08% 1.47% 0.23%
2016-01 +0.00% +31.02% 0.65% +0.12% 0.27 2.43% -0.61 35.61 0.08% 1.52% 0.22%
2015-12 -0.68% +31.02% 0.65% +0.12% 0.29 2.43% -0.23 36.24 0.08% 0.00% 0.22%
2015-11 -0.11% +31.91% 0.65% +0.12% 0.37 2.43% -0.12 36.74 0.08% 0.00% 0.22%
2015-10 +0.40% +32.06% 0.65% +0.12% 0.37 2.44% -12.00 36.92 0.08% 0.00% 0.22%
2015-09 -1.02% +31.53% 0.65% +0.12% 0.38 2.54% -0.29 48.71 0.06% 0.00% 0.16%
2015-08 -0.14% +32.89% 0.65% +0.12% 0.52 2.50% -1.31 49.54 0.06% 0.00% 0.16%
2015-07 +0.56% +33.07% 0.65% +0.12% 0.57 2.51% -3.19 50.93 0.06% 0.00% 0.16%
2015-06 -1.62% +32.33% 0.65% +0.00% 0.53 2.51% -1.16 53.85 0.06% 0.00% 0.13%
2015-05 +0.12% +34.51% 0.65% -0.24% 0.88 2.40% -5.17 55.93 0.05% 0.00% 0.14%
2015-04 +0.97% +34.35% 0.65% -0.36% 0.89 2.40% -2.74 61.07 0.05% 0.00% 0.13%
2015-03 -0.71% +33.06% 0.65% -0.48% 0.78 2.39% -0.25 63.23 0.05% 0.00% 0.13%
2015-02 +1.23% +34.01% 0.65% -0.60% 0.94 2.34% -0.72 63.97 0.05% 0.00% 0.11%
2015-01 +0.79% +32.38% 0.65% -0.60% 0.78 2.32% -0.37 63.93 0.05% 0.00% 0.11%
2006-11 +0.41% +31.35% 0.84% +0.02 6.08
2006-10 +0.75% +30.81% 0.84% -0.23 6.04
2006-09 -0.12% +29.84% 0.84% -0.18 6.23
2006-08 +0.58% +29.99% 0.84% -0.10 6.43
2006-07 +0.60% +29.24% 0.84% -0.31 6.50
2006-06 -0.06% +28.47% 0.84% -0.65 6.77
2006-05 -0.05% +28.55% 0.84% +0.02 7.43
2006-04 +1.17% +28.61% 0.84% +0.27 7.42
2006-03 +0.70% +27.13% 0.84% +0.01 7.06
2006-02 -0.39% +26.24% 0.84% +0.97 7.00
2006-01 +0.95% +26.74% 0.84% +0.69 6.06
2005-12 -1.01% +25.54% 0.82% -0.36 5.33
2005-11 -0.98% +26.82% 0.82% -0.37 5.75
2005-10 -0.11% +28.08% 0.82% +0.02 6.18
2005-09 +0.70% +28.22% 0.82% +0.15 6.17
2005-08 +2.04% +27.33% 0.82% +0.03 5.99
2005-07 +1.17% +24.78% 0.82% +0.10 5.84
2005-06 +0.19% +23.34% 0.82% -0.13 5.68
2005-05 +0.97% +23.11% 0.82% +0.02 5.80
2005-04 +1.21% +21.92% 0.82% +0.01 5.73
2005-03 +0.17% +20.47% 0.82% +0.00 5.66
2005-02 +1.23% +20.26% 0.82% -0.08 5.66
2005-01 +1.66% +18.80% 0.82% +0.00 5.68
2004-12 +1.50% +16.86% 0.91% +0.40 5.60
2004-11 +0.15% +15.13% 0.91% +0.05 5.11
2004-10 +0.18% +14.96% 0.91% +0.03 5.06
2004-09 +0.80% +14.75% 0.91% +0.05 5.03
2004-08 +1.05% +13.84% 0.91% +0.02 4.94
2004-07 +0.88% +12.66% 0.91% -0.02 4.87
2004-06 +0.01% +11.68% 0.91% -0.90 4.84
2004-05 +1.03% +11.67% 0.91% +0.21 5.76
2004-04 +0.43% +10.53% 0.91% +0.24 5.49
2004-03 +1.07% +10.06% 0.91% +0.39 5.23
2004-02 -0.45% +8.89% 0.91% +0.12 4.78
2004-01 +0.58% +9.38% 0.91% +0.04 4.70
2003-12 +0.20% +8.75% 0.88% +1.58 4.64
2003-11 +1.10% +8.53% 0.88% +0.50 3.04
2003-10 +0.41% +7.35% 0.88% -0.02 2.52
2003-09 +1.43% +6.92% 0.88% -0.25 2.54
2003-08 +0.14% +5.41% 0.88% -0.27 2.75
2003-07 -0.54% +5.26% 0.88% +0.01 3.02
2003-06 +2.64% +5.83% 0.88% -0.03 3.03
2003-05 +2.01% +3.11% 0.88% +0.03 2.99
2003-04 +0.96% +1.08% 0.88% +0.08 2.90
2003-03 +1.03% +0.12% 0.88% +0.36 2.80
2003-02 +1.08% -0.90% 0.88% +0.04 2.41
2003-01 +1.00% -1.96% 0.88% -1.28 2.35
2002-12 -0.82% -2.93% +1.67 3.61
2002-11 +2.10% -2.13% +0.03 1.94
2002-10 +0.59% -4.14% -0.02 1.88
2002-09 -0.93% -4.71% +0.00 1.89
2002-08 +0.00% -3.81% -0.03 1.91
2002-07 +0.96% -3.81% +0.00 1.94
2002-06 -2.20% -4.73% +0.08 1.92
2002-05 +1.68% -2.58% +0.00 1.89
2002-04 -0.19% -4.19% +0.03 1.86
2002-03 -2.11% -4.01% +0.00 1.83
2002-02 -0.87% -1.94% +0.00 1.87
2002-01 -1.08% -1.08% +1.80 1.89

המידע המוצג באתר מבוסס על נתונים היסטוריים ומיועד למטרות מידע כללי בלבד. הוא אינו מהווה ייעוץ פנסיוני, ייעוץ השקעות או המלצה לפעולה, ואינו תחליף לייעוץ מקצועי מותאם אישית.