<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://theinvestmenthabit.com/</loc><lastmod>2026-08-21</lastmod><changefreq>daily</changefreq><priority>1.0</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/page-2/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.5</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/page-2/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.5</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/page-2/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.5</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/page-2/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.5</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/page-2/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.5</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/page-2/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.5</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-decisions-that-only-need-making-once/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/lump-sum-or-drip-feed-and-what-the-evidence-says/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/reading-a-fund-fact-sheet-without-being-sold-to/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/diversification-is-not-the-number-of-funds-you-own/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/the-percentage-that-eats-a-third-of-your-outcome/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/selling-in-a-fall-is-the-most-expensive-thing-investors-do/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/chasing-last-years-best-fund-is-a-reliable-way-to-lag/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/time-horizon-does-more-work-than-risk-tolerance/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/what-a-bond-allocation-is-actually-for/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/sequence-risk-is-the-retirement-problem-nobody-plans-for/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/dividends-are-not-free-money/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-annual-review-that-takes-twenty-minutes/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/waiting-until-you-understand-everything-is-a-decision-too/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-first-year-is-about-the-habit-not-the-return/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-one-page-to-write-before-your-first-contribution/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/choose-the-allocation-you-can-hold-not-the-one-that-optimises/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/fear-of-buying-at-the-top-and-what-the-fear-costs/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/why-more-research-stops-helping-surprisingly-early/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/your-first-market-fall-is-the-real-induction/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/automating-the-decision-you-are-worst-at-making/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-starting-amount-matters-less-than-the-standing-order/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/what-to-do-with-the-urge-to-check-on-day-three/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/fund-choice-absorbs-the-effort-that-changes-the-least/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/how-a-portfolio-quietly-becomes-an-identity/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/the-urge-to-add-one-more-fund/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/simple-portfolios-feel-like-an-admission-of-ignorance/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/the-fund-you-researched-longest-is-the-one-you-cannot-sell/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/say-out-loud-why-you-own-each-holding/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/thematic-funds-sell-a-story-you-already-believe/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/a-satisfying-portfolio-is-a-warning-sign/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/comparing-portfolios-is-a-category-error/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/backtests-describe-a-past-that-was-chosen-after-the-fact/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/familiarity-feels-like-information/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/costs-are-invisible-by-design-and-invisible-costs-are-never-resisted/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/why-a-phone-contract-gets-more-scrutiny-than-a-platform-fee/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/paying-for-reassurance-is-a-purchase-so-price-it/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/trading-is-the-price-of-your-own-restlessness/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/zero-commission-changed-behaviour-not-cost/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/certain-costs-and-uncertain-returns-get-unequal-attention/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/the-cost-review-nobody-schedules/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/why-nobody-gets-round-to-switching-provider/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/the-part-of-an-adviser-fee-that-is-behavioural/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/the-costs-that-never-appear-on-a-statement/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/expensive-signals-quality-everywhere-except-here/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/why-a-loss-feels-bigger-than-the-same-sized-gain/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/recency-is-why-last-month-feels-like-the-future/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/the-difference-between-a-plan-and-an-intention/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/doing-nothing-is-an-active-decision-and-it-is-hard/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/the-illusion-of-control-and-where-it-costs-money/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/overconfidence-is-quietest-when-it-is-most-expensive/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/confirmation-bias-works-hardest-on-things-you-already-own/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/your-calm-self-cannot-predict-your-panicking-self/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/why-the-same-money-gets-treated-differently/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/hindsight-makes-every-crash-look-obvious/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/behavioural-finance-has-a-replication-problem/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/risk-tolerance-is-discovered-not-declared/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/what-a-risk-questionnaire-can-and-cannot-measure/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/volatility-is-the-feeling-risk-is-missing-the-goal/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/risk-you-can-measure-and-risk-you-can-only-imagine/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/stated-risk-appetite-rises-with-the-market/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/your-job-is-already-a-holding-in-your-portfolio/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/rebalancing-is-designed-to-feel-wrong/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/asking-how-much-risk-the-goal-actually-requires/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/the-largest-risk-is-a-plan-you-abandon/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/most-people-mean-five-years-when-they-say-long-term/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/spending-a-portfolio-is-harder-than-building-one/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/why-retirees-underspend-the-money-they-saved/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/the-mental-line-between-capital-and-income/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/write-the-withdrawal-rule-before-you-need-it/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/the-first-bad-year-tests-the-plan-not-the-portfolio/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/flexibility-only-works-if-the-trigger-is-decided-in-advance/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/when-the-balance-stops-being-a-number-and-becomes-groceries/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/who-manages-this-if-you-cannot/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/guaranteed-income-is-bought-for-how-it-makes-you-behave/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/buckets-are-a-psychological-device-that-happens-to-work/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-cash-buffer-that-keeps-a-portfolio-intact/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/opening-the-account-is-not-the-same-as-being-invested/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/what-your-platform-actually-does-with-the-money-you-send-it/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-paperwork-that-decides-where-the-money-goes-without-you/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/raise-the-contribution-when-the-pay-rise-arrives/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/investing-for-a-child-asks-a-different-question-than-investing-for-yours/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/the-scattered-accounts-you-collected-without-deciding-to/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/starting/your-first-mistake-is-cheap-and-later-ones-are-not/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/an-index-is-a-set-of-rules-not-a-photograph-of-the-market/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/the-gap-between-a-tracker-and-the-index-it-tracks/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/accumulation-and-income-units-own-exactly-the-same-portfolio/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/market-cap-weighting-decides-your-concentration-for-you/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/physical-and-synthetic-replication-carry-different-risks/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/the-currency-a-fund-is-priced-in-is-not-the-currency-of-its-risk/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/the-letter-telling-you-your-fund-is-changing/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/funds/bond-funds-do-not-behave-like-the-bonds-inside-them/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/you-pay-the-spread-going-in-and-again-coming-out/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/flat-fees-and-percentage-fees-cross-over-somewhere/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/the-exchange-rate-is-where-the-quiet-charge-lives/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/what-the-ongoing-charges-figure-leaves-out/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/the-same-index-at-three-different-prices/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/leaving-a-platform-costs-more-than-arriving-did/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/somebody-earns-interest-on-the-cash-you-left-uninvested/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/performance-fees-high-water-marks-and-what-they-pay-for/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/costs/charge-comparison-tables-assume-a-customer-who-is-not-you/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/financial-news-is-published-daily-whether-or-not-anything-happened/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/the-price-you-paid-should-not-be-part-of-the-decision/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/everybody-in-the-group-chat-is-winning/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/two-kinds-of-regret-and-only-one-gets-rehearsed/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/motivation-runs-out-which-is-what-the-habit-is-for/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/a-witness-makes-a-plan-harder-to-abandon/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/ask-what-you-would-tell-a-friend-holding-this/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/behaviour/apps-that-are-pleasant-to-open-are-expensive-to-own/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/correlations-rise-in-the-weeks-you-need-them-low/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/home-bias-is-chosen-by-not-choosing/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/the-arithmetic-of-getting-back-to-where-you-were/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/everything-you-own-is-in-the-same-portfolio/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/cash-swaps-one-risk-for-a-slower-one/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/some-risks-pay-you-and-some-just-happen-to-you/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/nobody-receives-the-average-return/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/a-glidepath-moves-the-allocation-on-a-calendar-not-on-a-view/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/risk/capacity-for-loss-is-arithmetic-tolerance-is-a-feeling/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/spending-does-not-stay-flat-across-a-retirement/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/the-slow-risk-that-compounds-against-a-retiree/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/the-years-between-the-last-salary-and-the-first-pension/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/once-a-year-or-once-a-month-and-what-the-choice-costs/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/life-expectancy-is-an-average-and-you-are-not-one/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/the-late-life-costs-nobody-can-size-in-advance/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/two-more-years-of-work-moves-three-levers-at-once/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/income/one-pot-two-lifespans/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://theinvestmenthabit.com/authors/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://theinvestmenthabit.com/authors/alastair-nguyen/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://theinvestmenthabit.com/authors/ceyda-aksoy/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://theinvestmenthabit.com/authors/joachim-brandt/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://theinvestmenthabit.com/authors/ndidi-eze/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://theinvestmenthabit.com/authors/roman-kysil/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://theinvestmenthabit.com/authors/bethan-rees/</loc><lastmod>2026-08-21</lastmod><changefreq>monthly</changefreq><priority>0.4</priority></url>
  <url><loc>https://theinvestmenthabit.com/about/</loc><lastmod>2026-08-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://theinvestmenthabit.com/editorial-policy/</loc><lastmod>2026-08-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://theinvestmenthabit.com/contact/</loc><lastmod>2026-08-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://theinvestmenthabit.com/privacy/</loc><lastmod>2026-08-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://theinvestmenthabit.com/cookies/</loc><lastmod>2026-08-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://theinvestmenthabit.com/terms/</loc><lastmod>2026-08-21</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
  <url><loc>https://theinvestmenthabit.com/sitemap-index/</loc><lastmod>2026-08-21</lastmod><changefreq>weekly</changefreq><priority>0.4</priority></url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/paying-the-investment-before-the-rest-of-the-month/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/investing-alongside-a-partner-needs-one-shared-decision/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/where-the-records-live-when-somebody-else-has-to-find-them/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/the-identity-checks-a-provider-is-required-to-run/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/restarting-after-the-habit-lapsed-for-years/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/irregular-income-needs-a-different-contribution-rule/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/a-goal-without-a-date-is-not-yet-a-goal/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/why-a-first-statement-is-confusing-and-what-it-is-showing/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/streaks-make-a-habit-fragile-in-one-specific-way/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/friction-is-a-tool-and-most-of-it-points-the-wrong-way/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/the-habit-works-because-it-stopped-being-a-decision/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/round-numbers-get-more-attention-than-they-deserve/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/effort-feels-like-it-should-be-rewarded-and-markets-disagree/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/a-forecast-you-hear-twice-starts-to-feel-like-a-fact/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/boredom-is-an-underrated-risk-to-a-portfolio/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/the-percentage-you-see-and-the-money-you-feel/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/why-fresh-starts-cluster-on-dates-that-mean-nothing/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/swing-pricing-makes-other-peoples-trading-your-cost/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/a-dealing-day-is-not-the-day-you-pressed-the-button/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/custody-and-dealing-are-two-fees-doing-different-jobs/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/transaction-taxes-are-set-by-geography-not-by-provider/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/scheduled-investing-costs-less-than-deciding-when-to-invest/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/many-small-accounts-cost-more-than-one-large-one/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/a-fee-cap-changes-the-shape-of-a-charge-not-its-direction/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/raising-the-contribution-and-cutting-the-fee-are-different-levers/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/securities-lending-inside-a-fund-and-who-keeps-the-fee/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/why-a-tracker-may-not-own-every-holding-in-its-index/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/what-happens-to-a-fund-on-an-index-rebalance-day/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/a-fund-can-be-too-small-as-well-as-too-large/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/dealing-can-be-suspended-and-the-power-exists-for-a-reason/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/a-share-class-is-not-the-same-thing-as-the-fund/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/ex-dividend-dates-and-the-price-drop-that-follows/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/what-an-exclusion-screen-actually-removes/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/hedging-currency-changes-which-risk-you-are-taking/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/rebalancing-on-bands-rather-than-on-a-date/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/what-happens-to-your-holdings-if-a-provider-fails/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/borrowing-inside-a-product-is-still-borrowing/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/money-you-cannot-get-at-is-priced-differently/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/a-nominal-target-and-an-inflation-linked-target-differ/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/an-asset-that-looks-bad-alone-can-still-earn-its-place/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/a-worst-case-written-down-is-easier-to-hold/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/which-account-you-draw-from-first-changes-the-arithmetic/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/funding-a-withdrawal-needs-a-rule-for-what-to-sell/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/what-sets-the-price-of-a-guaranteed-income/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/part-time-work-changes-the-plan-more-than-the-income/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/a-partners-income-stops-when-a-pension-does/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/moving-country-in-retirement-complicates-every-arrangement/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/the-gap-between-a-death-and-access-to-the-money/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/an-inflation-adjustment-is-decided-once-and-felt-for-decades/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/what-a-defined-benefit-promise-actually-promises/</loc>
    <lastmod>2026-05-20</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/anchoring-on-the-highest-balance-you-ever-saw/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/the-story-a-chart-tells-depends-on-where-it-starts/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/why-a-small-win-encourages-a-larger-bet/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/complexity-is-mistaken-for-competence/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/behaviour/a-rule-survives-what-a-judgment-call-does-not/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/expense-ratios-are-charged-daily-not-billed-yearly/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/portfolio-turnover-is-a-cost-you-never-authorize/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/fee-waivers-expire-and-the-prospectus-says-when/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/sales-loads-and-the-breakpoint-that-lowers-them/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/costs/what-a-12b-1-fee-actually-pays-for/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/how-creation-and-redemption-keep-an-etf-in-line/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/the-documents-a-fund-is-required-to-publish/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/money-market-funds-are-funds-not-deposits/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/why-a-closed-end-fund-trades-away-from-its-value/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/funds/somebody-votes-the-shares-your-fund-owns/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/required-distributions-put-a-floor-under-withdrawals/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/why-the-claiming-age-changes-a-social-security-check/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/a-pension-buyout-trades-a-stream-for-a-sum/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/medicare-enrollment-dates-shape-a-retirement-date/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/income/how-a-workplace-plan-becomes-an-ira-at-retirement/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/what-duration-tells-you-about-a-bond-fund/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/credit-risk-and-rate-risk-do-different-damage/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/how-an-inflation-linked-bond-pays-you/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/daily-resets-make-a-leveraged-fund-path-dependent/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/risk/the-concentrated-position-in-the-stock-that-pays-you/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/how-vesting-schedules-decide-what-is-yours/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/what-separates-a-retirement-account-from-a-brokerage-account/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/automatic-enrollment-chose-a-default-for-you/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/fractional-shares-changed-what-a-first-purchase-looks-like/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://theinvestmenthabit.com/starting/custodial-accounts-hand-over-control-at-a-set-age/</loc>
    <lastmod>2026-05-21</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>
</urlset>
