44 lines
5.4 KiB
Org Mode
44 lines
5.4 KiB
Org Mode
:PROPERTIES:
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:ID: 95f929fa-b444-4c4c-9672-dad2868745fb
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:END:
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#+title: tax-returns/phoenix
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#+filetags: :project: :knowledge: :phoenix:
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* tax-returns/phoenix
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Detailed Phoenix (הפניקס) balance history and product map for [[tax-returns]] / [[tax-returns/status]]. Built 2026-10-04 by opening every PDF in tax-returns/<year>/Phoenix/ and reading account numbers + closing balances directly (pdftotext -layout via nix shell nixpkgs#poppler-utils; Hebrew RTL text but numbers/labels greppable).
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** Six distinct Phoenix products found (not three)
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1. Pension "מקיפה", account 3766380012, fund #209. Active throughout.
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2. Pension "משלימה"/"כללית", account 7189612018, started 01/02/2024. Active.
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3. Life insurance, account 3766373017. Turns out to be a real savings-component policy (תגמולים+פיצויים), NOT pure risk as first assumed from 2018's all-zero figures (that was just a deposit backlog, see below). Went "מסולקת" (paid-up) in 2024 when user's status changed to עצמאי, then "מבוטלת" (cancelled) in 2025.
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4. **NEW — study fund "אקסלנס/הפניקס השתלמות" account 007-229-296086-000**, joined 12/12/2018, employer גיטה טכנולוגיות. Not in the original known-products list.
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5. **NEW — study fund "הפניקס השתלמות" account 007-907-538010-000**, joined 03/02/2022 as "שכיר ללא מעסיק", money vintage 30/11/2018 (received via transfer-in, not fresh deposits).
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6. Health insurance (ביטוח בריאות), main policy 6433001010 (פרט, מחלות קשות) plus two cancelled group policies 1072734088/6577366013. Pure risk, no cash value/balance — appears under the generic filename "דוח לשנת 20XX.pdf" for 2016-2018 (that filename is NOT the pension, a trap for the usual generic-filename gotcha). Not tracked further.
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** Year-end balances (₪), from annual reports unless noted
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| Year | Pension מקיפה 3766380012 | Pension משלימה 7189612018 | Life ins. 3766373017 | Study fund A 296086 | Study fund B 538010 |
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|------|------|------|------|------|------|
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| 2016 | no doc | N/A | N/A | N/A | N/A |
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| 2017 | no doc | N/A | N/A | N/A | N/A |
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| 2018 | 0.00 (inferred, 2019 report's comparison row; no standalone 2018 pension doc) | N/A | 0.00 (active; deposits backlogged, landed only in Jan 2019) | no doc (acct opened 12/12/2018, no 2018-specific figure found) | N/A |
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| 2019 | 99,578.00 | N/A | 41,652.00 | 30,236.64 | N/A |
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| 2020 | 119,432.00 | N/A | not found in doc (no standalone report; have pension+study fund only) | 46,905.32 | N/A |
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| 2021 | 156,222.00 | N/A | not found in doc | 72,001.95 | N/A |
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| 2022 | 194,501.00 | N/A | not found in doc | 60,255.35 | 4,929.41 (opened via transfer-in this year) |
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| 2023 | 271,169.00 | N/A | 81,161.00 (inferred, 2024 report's comparison row; no standalone 2023 doc) | 0.00 — transferred out -65,997.71 during 2023 | 0.00 — transferred out -5,399.22 during 2023 |
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| 2024 | 379,937.00 | not found in doc (no annual report exists for this fund yet) | 93,694.00 (status → מסולקת, paid-up) | closed | closed |
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| 2025 | 515,703.00 | 35,769 (inferred, from 2026-Q1 report's "יתרת הכספים בקרן בתחילת השנה"; no standalone 2025 doc) | 0.00 — cancelled (מבוטלת), transferred out -101,603.71 during 2025 | closed | closed |
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| 2026 (interim, year not over) | 578,849 as of 30/06/2026 | 51,189 as of 30/06/2026 | N/A (cancelled 2025) | closed | closed |
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** Major cross-institution resolutions (2026-10-04)
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- **Mor mystery RESOLVED.** Phoenix life insurance 3766373017's 2025 "כספים שהעברת מהפוליסה" (-101,603.71: components -32,186.97/-26,636.30/-42,780.44) is an EXACT match to Mor account 1291666's 2025 incoming "כספים שהועברו לחשבון" (101,603.71 = same three components). Phoenix policy's "תום תקופת הביטוח" = 07/08/2025, close to user's Mor join date 28/07/2025. Source of the previously-UNRESOLVED Mor pre-2025 money is Phoenix life insurance 3766373017, not an unknown institution. Update [[tax-returns/status]]'s Mor/unresolved entries.
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- **Migdal 44474197 source CONFIRMED** as Phoenix study fund account 007-229-296086-000 (transferred out -65,997.71 in 2023; close to 44474197's reported value after ~2 years growth). Previously only "presumed ex-Phoenix, not verified."
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- **Migdal 44474194 full chain found**: Altshuler Shaham study-fund account 000772309 (vintage 01/11/2018, data only in their 2020 report) → transferred into this NEW Phoenix study-fund account 007-907-538010-000 (opened 03/02/2022, vintage recorded as 30/11/2018, transfer-in ~5,716.53) → transferred out -5,399.22 in 2023 → Migdal 44474194. The prior status note treated this as a direct Altshuler→Migdal transfer; it actually passed through Phoenix first.
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** Gotchas confirmed/reinforced here
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- The generic filename "דוח לשנת 20XX.pdf" (2016-2018) is Phoenix HEALTH insurance, not pension — classic same-filename-different-product trap.
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- "דוח שנתי מלא 20XX.pdf" (2019-2021) and "דוח מפורט לשנת 20XX.pdf" (2019-2023, unsuffixed) are STUDY FUND and PENSION reports respectively — only clear from opening the content, filenames don't disambiguate which product file is which across years (2024-2025 switch to explicit "- ביטוח חיים"/"- קרן פנסיה" suffixes).
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- A policy/fund can show ₪0.00 for reasons other than closing: 2018 life insurance showed 0.00 simply because employer deposits were backlogged and only posted in Jan 2019 — not a cancellation.
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