Genesis Universe 

Managing investment portfolios has become in the global era a complex craft that requires knowledge, expertise and the ability to analyze changing situations.

we provide a unique investment solution for the public who keep the orthodox Jewish tradition: an investment portfolio that is subject to Jewish supervision. The portfolio is invested in a variety of companies in Israel and abroad through direct exposure and mutual funds.

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According to Jewish law, there are various restrictions on the whole subject of investments - for example, regarding interest (Over night swap), loans, and of course working on Shabbat and holidays. Therefore, today it is possible to find in almost every bank, insurance company and recognized investment house in Israel the option to register for a kosher investment course, which actually enables an investment plan that meets the requirements of the Jewish Halacha. These are unique investment routes that are adapted to an observant religious public and are supervised by various bodies whose job it is to verify the kosher of the companies. There is an assumption in the public that if the investment route is kosher - the potential profits obtained from the return from it are necessarily lower than the return on normal investment routes. This assumption is not necessarily true, and sometimes the opposite is true.

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What does a kosher investment routes include?
First of all, a company will be considered kosher if it does not work on Shabbat - and it has a permit that indicates this. In addition, since interest is forbidden according to Jewish law, a kosher investment route offers a solution for this as well. how does he do it? The company needs a transaction permit that actually defines the loans (debentures) that the company issues as a partnership in its businesses, and the interest derived from the loans is defined as part of the company's profits. In this way, both parties share in the losses - so it is not considered halachically prohibited usury. It is interesting to know that investing in government bonds is not problematic from a halachic point of view, and there are also those who believe that there is no halachic problem with investing in corporate bonds because an interest-bearing loan is allowed to a limited company. In any case, the loan is against the profits - then in a situation where there is a loss, then both parties bear it.