השקעות למתחילים: הכול על פרמיית סיכון של מדינות

One of the concepts that has the greatest impact on all of our pockets, especially in a time of security uncertainty, is the state's "risk premium." For beginning investors, this concept may sound complex, but in reality it is a simple mechanism: the additional compensation that investors from around the world demand to lend money to a particular government, compared to a country that is considered completely safe (like the US). In the market environment of June 2026, with global interest rates at 4% and global inflation at 3.5%, the risk premium determines how much interest the country will pay on its debts - a figure that directly affects the state budget, our taxes and the amount of mortgages. In the upcoming episode, Omer Rabinovich and Avner Stepak will break down this concept at eye level. We will understand how the CDS index (insurance against default) serves as a thermometer of the markets, and why, despite the campaign against Iran and the blockade of the Strait of Hormuz, the shekel is actually showing unusual strength and trading around 2.94 shekels to the dollar. We will learn how the country's credit rating is related to the risk premium, and how you as investors can Take advantage of the pricing distortions it creates to choose smarter and more balanced investment paths in your retirement and personal portfolio.