<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" generatedBy="WIX">
<url>
<loc>https://www.kissfin.com/post/your-first-real-financial-decision-isn-t-a-stock-pick</loc>
<lastmod>2026-07-03</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_112382ea015249089bf4aa98604db721~mv2.png</image:loc>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/it-s-not-what-you-earn-it-s-what-you-save</loc>
<lastmod>2026-07-10</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_e7a1567c2bb44389b8b2add3fb7f8109~mv2.jpg</image:loc>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/whats-your-retirement-number-why-savings-alone-wont-get-you-there</loc>
<lastmod>2026-07-25</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_570f919e3ef048188883092ac8b40b2d~mv2.png</image:loc>
<image:title>The magic of compound interest — income invested over 35 years grows to $1,000,000, KISSfin</image:title>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/cpf-meeting-challenges-with-minor-alterations</loc>
<lastmod>2026-07-19</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_c61977b96c8e4ef68bdff2dac2809bb8~mv2.jpg</image:loc>
<image:title>he Business Times Singapore Editorial &amp; Opinion page, September 23, 2014</image:title>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/crying-for-argentina-symptoms-causes-and-crises</loc>
<lastmod>2026-07-13</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_90c9f59b4b8a4ac2ad9dd9938b15b75a~mv2.png</image:loc>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/buy-stocks-like-you-buy-socks-both-quality-and-price-are-important</loc>
<lastmod>2026-08-09</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_450e3720a1594cf78d3c0af4f98134c0~mv2.png</image:loc>
<image:title>Diagram showing stock price as Earnings Per Share times P/E ratio, split into an Economic Moat castle representing investment returns and a Margin of Safety life ring representing speculative returns.</image:title>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/tick-tick-tick-how-has-japan-fallen-from-grace</loc>
<lastmod>2026-07-22</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_5d4b78aec3034c6c95c71ce32ddf8efe~mv2.png</image:loc>
<image:title>Japan Debt Crisis </image:title>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/history-of-money</loc>
<lastmod>2026-07-22</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_013219a0a688445b8555064d9688cfd3~mv2.jpg</image:loc>
<image:title>Rohit Gupta featured on Smart Investor magazine cover, 2013</image:title>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/why-simple-beats-sophisticated-even-when-critics-say-it-s-too-simple</loc>
<lastmod>2026-07-03</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_9388f11450ef4dc6a352b75dba72d57e~mv2.png</image:loc>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/you-get-what-you-don-t-pay-for-mutual-funds</loc>
<lastmod>2026-08-01</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_74e582e94b534d9ea3b2c00f36a444ca~mv2.png</image:loc>
<image:title>Chart of major index fund holdings including Microsoft, Apple, Amazon and Google, illustrating passive investing</image:title>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/should-property-cooling-measures-be-relaxed</loc>
<lastmod>2026-07-21</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_79bbd6311b934ac2a962a90ff4604549~mv2.jpg</image:loc>
</image:image>
</url>
<url>
<loc>https://www.kissfin.com/post/asian-financial-crisis-1998</loc>
<lastmod>2026-07-22</lastmod>
<image:image>
<image:loc>https://static.wixstatic.com/media/849634_617ded739ed04a57a426e6887404cec2~mv2.png</image:loc>
</image:image>
</url>
</urlset>