Experts Advise Optimal Cash Allocation Between Checking Accounts and Savings in Israel
How 2 Israeli newsrooms covered this story — translated into English and compared side by side.
First reported by Mako · Aug 29, 2026
What happened
Financial experts recommend keeping only one month's expenses in checking accounts and transferring excess funds to savings or conservative investments to avoid inflation losses and improve returns. A balanced approach includes an emergency fund and medium- to long-term savings, using instruments like government bonds and money market funds. This advice was detailed in a Bizportal article on August 29, 2026.
- 01No universal amount fits all for checking account balances; depends on individual expenses and needs.
- 02Checking accounts should cover monthly expenses plus a short-term buffer, not hold large sums.
- 03Holding large cash sums in checking accounts causes loss due to low or zero returns and inflation.
- 04Recommended strategy divides funds into monthly expenses, emergency fund, and medium/long-term savings.
- 05Conservative investments like one-year government bonds and money market funds yield about 3% annually.
- 06Money market funds offer daily liquidity and tax advantages over fixed deposits.
Summary translated & synthesized from the sources below by baba. Read each original for the full report.
Full coverage · 2 outlets
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