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Navigate the Israeli pension and savings system including pension funds (keren pensia), manager's insurance (bituach menahalim), training funds (keren hishtalmut), severance handling at Form 161, Tikun 190 post-60 deposits, and retirement planning. Use when user asks about Israeli pension, "pensia", "keren hishtalmut", retirement savings, "bituach menahalim", pension contributions, tax benefits from savings, severance withdrawal vs continuity, or pension at divorce / relocation. Uninformed pension decisions cost hundreds of thousands of NIS over a lifetime. Covers mandatory pension, voluntary savings, withdrawal rules, and life events (divorce, relocation, death). Do NOT provide specific investment recommendations or fund performance comparisons.