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      <image:title>Insights - Digital Estate Planning Essentials - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Turning Wealth Into Retirement Income - Make it stand out</image:title>
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      <image:title>Insights - Common Investment Mistakes (and How to Avoid Them) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Q4 2025 Investment Market Update - Make it stand out</image:title>
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      <image:title>Insights - Q4 2025 Investment Market Update - Make it stand out</image:title>
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      <image:title>Insights - INFIN Future Financial Leaders Awards 2025 - Make it stand out</image:title>
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      <image:title>Insights - INFIN Future Financial Leaders Awards 2025 - Make it stand out</image:title>
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      <image:title>Insights - Wealth Strategies for Millennials - Make it stand out</image:title>
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    <loc>https://www.arrowwealth.com.au/insights/2025/barrons-top-150-financial-advisers</loc>
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      <image:title>Insights - Barron’s Top 150 Financial Advisers 2025 - Make it stand out</image:title>
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    <lastmod>2025-11-20</lastmod>
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      <image:title>Insights - Q3 2025 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Q3 2025 Investment Market Update - Make it stand out</image:title>
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      <image:title>Insights - Understanding Transition to Retirement Pensions - Make it stand out</image:title>
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      <image:title>Insights - Who Gets Your Super When You Die? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Who Gets Your Super When You Die? - Make it stand out</image:title>
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    <lastmod>2025-09-11</lastmod>
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      <image:title>Insights - Protecting What Matters Most: The Case for Personal Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Protecting What Matters Most: The Case for Personal Insurance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2026-01-16</lastmod>
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      <image:title>Insights - Q2 2025 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f45f69cc-3d3e-4a6d-8942-0304315196d3/Forward+PE+Ratio.png</image:loc>
      <image:title>Insights - Q2 2025 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Q2 2025 Investment Market Update - Make it stand out</image:title>
      <image:caption>Source: FE Analytics</image:caption>
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      <image:title>Insights - Q2 2025 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - Q2 2025 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Understanding the Vacant Residential Land Tax (VRLT) in Victoria - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Understanding the Vacant Residential Land Tax (VRLT) in Victoria - Make it stand out</image:title>
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    <lastmod>2025-09-11</lastmod>
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      <image:title>Insights - Understanding Investment Bonds - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Understanding Investment Bonds - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2025-08-07</lastmod>
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    <lastmod>2025-06-27</lastmod>
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      <image:title>Insights - Downsizer Contributions: Unlocking Superannuation Opportunities for Over 55s - Make it stand out</image:title>
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    <lastmod>2025-07-11</lastmod>
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    <lastmod>2025-06-19</lastmod>
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      <image:title>Insights - Family Trusts: What to Know Before Setting One Up - Make it stand out</image:title>
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      <image:title>Insights - Family Trusts: What to Know Before Setting One Up - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.arrowwealth.com.au/insights/2025/navigating-employee-share-schemes</loc>
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    <lastmod>2025-10-27</lastmod>
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      <image:title>Insights - Navigating Employee Share Schemes - Make it stand out</image:title>
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    <loc>https://www.arrowwealth.com.au/insights/client-scammed-how-we-recovered-200k</loc>
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    <lastmod>2025-08-19</lastmod>
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      <image:title>Insights - Client Scammed. How we recovered $200k | Arrow Insights | Ep 14 - Make it stand out</image:title>
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    <lastmod>2025-05-21</lastmod>
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      <image:title>Insights - Protecting Older Australians from Financial Abuse - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.arrowwealth.com.au/insights/q1-2025-investment-market-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-08-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c6e19a50-dae2-46fc-abb1-2e83a24c9f4a/Investment+Market+Update.jpg</image:loc>
      <image:title>Insights - Q1 2025 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/volatility-vs-loss-of-capital</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1744007636888-OZ7Q92FMS3RCXDE4L0P7/Volatility+vs+capital+loss.png</image:loc>
      <image:title>Insights - Defining Risk – Volatility vs Loss of Capital - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/90cde660-c883-45e3-9a1e-e01f8f785e78/defining+risk-arrow.png</image:loc>
      <image:title>Insights - Defining Risk – Volatility vs Loss of Capital - Make it stand out</image:title>
      <image:caption>*Source – Allianz Retire Plus</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/creating-your-living-legacy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1742252048248-CUZT6KGYXGLGAZSK55S8/Creating+your+living+legacy.png</image:loc>
      <image:title>Insights - Creating Your Living Legacy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/bank-of-mum-and-dad</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-09</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/navigating-equity-market-drawdowns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-03</lastmod>
    <image:image>
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      <image:title>Insights - Navigating Equity Market Drawdowns - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/35617cfa-8b55-4b16-a2bb-864eb7ed4c36/Time+in+the+Market%2C+Not+Timing+the+Market.png</image:loc>
      <image:title>Insights - Navigating Equity Market Drawdowns - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/investing-for-the-next-generation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-12</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/do-i-need-an-smsf</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-11</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/15f92384-de25-4799-ba34-1da0de7252cf/Arrow+Do+I+need+an+SMSF.png</image:loc>
      <image:title>Insights - Do I need an SMSF? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3e167abd-a80c-4120-bd16-58659b84f9a1/Suitability+of+SMSFs+play.png</image:loc>
      <image:title>Insights - Do I need an SMSF? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/the-rule-of-72</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/2fdb86ba-f353-4684-b684-1f8884578dc9/Rule+of+72.png</image:loc>
      <image:title>Insights - Lessons from the Rule of 72 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/a3ce5e7a-7719-4405-a73a-2b658d2ce1af/Rule+of+72.png</image:loc>
      <image:title>Insights - Lessons from the Rule of 72 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/2ab61a6a-da0a-4643-a44c-5d06c55ef807/arrow+table.png</image:loc>
      <image:title>Insights - Lessons from the Rule of 72 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/79b26fbf-819b-4b4d-8cbe-84b194737976/arrow+table+-+inflation-adjusted+%28real%29+returns+.png</image:loc>
      <image:title>Insights - Lessons from the Rule of 72 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/avoiding-emotional-investment-mistakes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5297a1c4-90cf-45ab-b25d-d89025784af7/emotional+investment+mistakes.png</image:loc>
      <image:title>Insights - Avoiding Emotional Investment Mistakes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8a5ea995-c279-46a7-9702-db7d89667d7f/Arrow1.png</image:loc>
      <image:title>Insights - Avoiding Emotional Investment Mistakes - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/q4-investment-market-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c6e19a50-dae2-46fc-abb1-2e83a24c9f4a/Investment+Market+Update.jpg</image:loc>
      <image:title>Insights - Q4 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3c99e589-1120-4dbf-9a31-97fce7ab9652/Arrow.png</image:loc>
      <image:title>Insights - Q4 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/residential-aged-care-reforms</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-02-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/01ccb697-9b88-40d1-a240-cc336d972642/aged-care-reforrms-arrow.png</image:loc>
      <image:title>Insights - 2025 Residential Aged Care Reforms - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5efe8b57-9acd-4f0d-a4d1-0e541ef62eb5/RAD.png</image:loc>
      <image:title>Insights - 2025 Residential Aged Care Reforms - Make it stand out</image:title>
      <image:caption>Retention Amount on RADs Over 5 Years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4732d1dd-ec9a-4c6f-bfc2-9db90391a45a/NCCC.png</image:loc>
      <image:title>Insights - 2025 Residential Aged Care Reforms - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3aef4b89-c5cf-4693-b717-3ce34a6a00fb/HC.png</image:loc>
      <image:title>Insights - 2025 Residential Aged Care Reforms - Make it stand out</image:title>
      <image:caption>Liability for Hotelling Contribution</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2025/funding-education-for-children-or-grandchildren</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/fef10d71-3620-46bc-a49c-2b422fd3bb48/education-funding-arrow.png</image:loc>
      <image:title>Insights - Funding Education for Children or Grandchildren - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/understanding-uk-equities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/236ff4f0-d4c7-43f9-9a2f-1226b2f96e86/uk-equities-arrow.png</image:loc>
      <image:title>Insights - Understanding UK Equities - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3fd4b605-ff05-41a2-8dca-d39b9a9e7bd0/FTSE+100+Index+vs+S%26PASX+200+Index+and+MSCI+developed+world+Index.png</image:loc>
      <image:title>Insights - Understanding UK Equities - Make it stand out</image:title>
      <image:caption>Industry sector weight differences: FTSE 100 Index vs S&amp;P/ASX 200 Index and MSCI developed world Index *Source: Bloomberg</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8ff7bd63-c9da-4c4d-a81e-c26e3e588b48/UK-equity-valuations.png</image:loc>
      <image:title>Insights - Understanding UK Equities - Make it stand out</image:title>
      <image:caption>*Source: JPMorgan</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/barrons-top-150-financial-advisers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-11-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/391e7cb9-4341-41fc-aa23-3abe2907de37/Barron%27s+Top+150.jpg</image:loc>
      <image:title>Insights - Barron’s Top 150 Financial Advisers 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-october</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1713503325518-YT68TO55A4ALDU0OY34U/Market+Summary.jpg</image:loc>
      <image:title>Insights - Market Summary | October 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8821c3d0-ac00-49c4-8d0a-3f1686672f6c/market-summary-october-2024-2.png</image:loc>
      <image:title>Insights - Market Summary | October 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/real-costs-of-being-uninsured</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/211b893b-61c7-47d0-bd12-9a837d4db5a3/real-cost-of-uninsurance.png</image:loc>
      <image:title>Insights - The Real Costs of Being Uninsured - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/arrow-insights/episode-10-high-net-worth-insurance-considerations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-september</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-10-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1713503325518-YT68TO55A4ALDU0OY34U/Market+Summary.jpg</image:loc>
      <image:title>Insights - Market Summary | September 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/422361a3-ac8e-4bf3-8e24-df32b181587e/marketreturns.png</image:loc>
      <image:title>Insights - Market Summary | September 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/q3-investment-market-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c6e19a50-dae2-46fc-abb1-2e83a24c9f4a/Investment+Market+Update.jpg</image:loc>
      <image:title>Insights - Q3 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/6ef7ddda-0eac-4282-8a28-d09233265d5e/UK+Equity+Valuations.png</image:loc>
      <image:title>Insights - Q3 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: JPMorgan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7c7696eb-b871-4243-8963-f6834cb611f5/ASX200+-+Forward+P-E+Ratio.png</image:loc>
      <image:title>Insights - Q3 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Source: JPMorgan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/83679ef3-35ad-4a5f-a227-0b3ae595cbcf/Q3-Arrow-Portfolio-Performance.png</image:loc>
      <image:title>Insights - Q3 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/investing-for-children-grandchildren</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d87e5d1f-d9ab-46f3-9489-da99022400ed/investing+for+grandchildren-arrow.png</image:loc>
      <image:title>Insights - Investing for Your Children or Grandchildren - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/65d36237-2b1d-4baa-9690-44180851c6c4/6+Smart+Ways+to+Invest+for+Children+and+Grandchildren.png</image:loc>
      <image:title>Insights - Investing for Your Children or Grandchildren - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/arrow-insights/episode-09-giving-while-living</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/alternatives-to-term-deposits</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/44add89a-12e1-4dfa-baaa-a04ed8cf4d9d/alternative+to+term+deposits.png</image:loc>
      <image:title>Insights - Alternatives to Term Deposits - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/632d0efa-3ca4-4f3e-a4b4-585071780410/Rate-Expectations.png</image:loc>
      <image:title>Insights - Alternatives to Term Deposits - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/763c3c30-e494-459d-aeec-84aeb50b1439/Liq%26Life.png</image:loc>
      <image:title>Insights - Alternatives to Term Deposits - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/123ecb00-8b70-42b4-b64b-b4c25b5936ed/Liq%26LifeTable.png</image:loc>
      <image:title>Insights - Alternatives to Term Deposits - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:title>Insights - Types of Superannuation Contributions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Market Summary | August 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Market Summary | August 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <lastmod>2025-09-10</lastmod>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-09-30</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-july</loc>
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    <lastmod>2024-08-23</lastmod>
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      <image:title>Insights - Market Summary | July 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9ae63155-3935-4747-8d9e-058008127ad0/marketreturns-july2024-1.png</image:loc>
      <image:title>Insights - Market Summary | July 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <lastmod>2024-09-10</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/arrow-insights/episode-07-digital-estate-planning</loc>
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    <lastmod>2025-09-10</lastmod>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c6e19a50-dae2-46fc-abb1-2e83a24c9f4a/Investment+Market+Update.jpg</image:loc>
      <image:title>Insights - Q2 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b37ede2c-f82c-47df-966d-ec1e21825cf0/1.png</image:loc>
      <image:title>Insights - Q2 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: FE Analytics</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/101aa189-7582-45d2-b0f1-c4ffd10ec605/2.png</image:loc>
      <image:title>Insights - Q2 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: JPMorgan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/578703b9-b6ca-4e83-b40d-6969b952094a/3.png</image:loc>
      <image:title>Insights - Q2 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: FE Analytics</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f6e970e6-0a1e-4f74-8938-f62f71b8b76c/4.png</image:loc>
      <image:title>Insights - Q2 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3192e4bd-6e07-4e44-b0ba-ef1cd3ee8787/5.png</image:loc>
      <image:title>Insights - Q2 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: Chant West</image:caption>
    </image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <lastmod>2024-07-30</lastmod>
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      <image:title>Insights - Market Summary | June 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Market Summary | June 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <lastmod>2024-08-05</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2025-09-10</lastmod>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-08-06</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Market Summary | May 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Market Summary | May 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <lastmod>2024-07-09</lastmod>
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      <image:title>Insights - Australian Equities: Market Sectors &amp;amp; Leading Companies - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <lastmod>2024-07-11</lastmod>
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      <image:title>Insights - Understanding Aged Care in Australia - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2025-09-01</lastmod>
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    <lastmod>2024-05-24</lastmod>
    <image:image>
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      <image:title>Insights - Market Summary | April 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8531816e-bdff-4750-b501-df86df3ea368/marketreturnsapril2024-1.png</image:loc>
      <image:title>Insights - Market Summary | April 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <loc>https://www.arrowwealth.com.au/insights/2024/emerging-markets-opportunities-and-risks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-24</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-06-11</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-09-10</lastmod>
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  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/q1-investment-market-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-08-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c6e19a50-dae2-46fc-abb1-2e83a24c9f4a/Investment+Market+Update.jpg</image:loc>
      <image:title>Insights - Q1 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4300b641-a600-42c7-a486-779b6a33aa45/S%26P500+Valuation+Measures.png</image:loc>
      <image:title>Insights - Q1 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: JPMorgan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/e3901680-afd0-4076-a47b-6bb84b8eb083/ASX200+Forward+PE.png</image:loc>
      <image:title>Insights - Q1 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: JPMorgan</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1d34e594-cdde-4b25-80d0-edd6ab6b751d/AusTechCompanies.png</image:loc>
      <image:title>Insights - Q1 2024 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: AirTree</image:caption>
    </image:image>
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    <lastmod>2024-05-24</lastmod>
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      <image:title>Insights - Market Summary | March 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Market Summary | March 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <changefreq>monthly</changefreq>
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    <lastmod>2025-09-10</lastmod>
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    <changefreq>monthly</changefreq>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-04-19</lastmod>
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      <image:title>Insights - Market Summary | February 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Market Summary | February 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2025-09-10</lastmod>
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    <loc>https://www.arrowwealth.com.au/insights/2024/home-equity-access-scheme</loc>
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    <lastmod>2024-04-19</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-06-11</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Index Composition - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Market Summary | January 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2025-06-16</lastmod>
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    <lastmod>2024-06-11</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2025-06-16</lastmod>
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      <image:title>Insights - Market Summary | December 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Q4 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: FE Analytics</image:caption>
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      <image:title>Insights - Q4 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: FE Analytics</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Market Summary | October 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Q3 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source Trading View</image:caption>
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      <image:title>Insights - Q3 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Q3 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>*Source: T.Rowe Price</image:caption>
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    <lastmod>2025-06-16</lastmod>
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    <lastmod>2025-06-16</lastmod>
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      <image:title>Insights - Market Summary | August 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Market Summary | July 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Market Summary | July 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Insights - Market Summary | June 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Market Summary | June 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <loc>https://www.arrowwealth.com.au/insights/2023/q2-investment-market-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-27</lastmod>
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      <image:title>Insights - Q2 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Q2 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Insights - Q2 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Insights - Q2 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2025-06-16</lastmod>
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      <image:title>Insights - Compound Investment Returns: Harnessing the Power of Growth - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c4e8e561-9037-4c17-8e64-396a723ca27f/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | May 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/0edb3577-78ac-4983-b96e-c97d69ff6848/marketreturns-1.png</image:loc>
      <image:title>Insights - Market Summary | May 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2023/victorian-budget-23-24</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/64cd4134-5606-489d-b8e8-4ad44f890884/investment%2Bproperty.jpg</image:loc>
      <image:title>Insights - Victorian Budget 2023-24 - Make it stand out</image:title>
      <image:caption>Property investors face higher land tax rates.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2023/3m-super-balance-cap</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/108f72b1-daf6-428d-a1fe-dd9b73019fd3/father-son.jpg</image:loc>
      <image:title>Insights - How the $3 Million Super Balance Cap Will Impact Member Contribution Decisions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/market-summary-2023-april</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8ac6efdb-cf69-4b6d-9712-16c39e5e4467/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | April 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/826a1f5b-4a7f-4ebd-ab2f-8daf117921e0/marketreturnsapril2023-1+%281%29.png</image:loc>
      <image:title>Insights - Market Summary | April 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2023/password-managers</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4c0940d8-793c-429e-8b23-d8f1b2326cc1/passwordmanagers1.jpg</image:loc>
      <image:title>Insights - A Modern Must: Password Managers - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/market-summary-2023-march</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b4c85b3d-d0f0-408b-ad82-afb1f33cad4e/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | March 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d151dbb4-f6c0-43c0-bea7-078c379fdff4/marketreturnsmarch2023-1.png</image:loc>
      <image:title>Insights - Market Summary | March 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2023/q1-investment-market-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d63ad1c3-1b8d-4255-ab9f-99db7a88dca9/Investment-Market-Update.jpg</image:loc>
      <image:title>Insights - Q1 2023 Investment Market Update - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/market-summary-2023-february</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/ca4dfc98-1451-4164-85b6-df519031b89f/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | February 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5fb3242a-8bef-4f5e-9e40-66545f36536e/marketreturnsfeb2023-1.png</image:loc>
      <image:title>Insights - Market Summary | February 2023 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2023/understanding-diversification</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3c690c23-414d-438e-ad13-f2a7a5da7913/diversification.jpg</image:loc>
      <image:title>Insights - Understanding Diversification - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2023/business-succession-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d5730dc2-8c3b-41c4-ae7b-ce3a2cbe1c61/business-succession-1.jpg</image:loc>
      <image:title>Insights - Business Succession Planning - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2023/market-summary-december-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8fb2ba00-a448-4718-b114-6c249634f09b/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | December 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c4f02445-0fa6-48a1-9093-66c6f2e8e17d/marketreturnsdecember2022-1.png</image:loc>
      <image:title>Insights - Market Summary | December 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/q4-2022-investment-market-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/2022-portfolio-review-arrow-diversified-real-55</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/2022-portfolio-review-arrow-diversified-real-45</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/2022-portfolio-review-arrow-global-active</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/2022-portfolio-review-arrow-socially-responsible</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-november-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d79cd785-67db-45c4-84eb-1964218bfc08/market-summary+%281%29.jpg</image:loc>
      <image:title>Insights - Market Summary | November 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/59a08b1f-961b-45f7-903f-b975767f3f20/marketreturnsnovember2022-2+%281%29.png</image:loc>
      <image:title>Insights - Market Summary | November 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-september-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4a987506-4f52-4062-b44c-6c89ebc03474/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | September 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4e37b76e-d4f4-431c-8831-0d94439496cb/marketreturns-september2022t.png</image:loc>
      <image:title>Insights - Market Summary | September 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/investment-market-quarterly-review</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/peter-leggett-barrons-award</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/70d52da8-b47e-4394-8b94-0ba887a1e10c/The%2BBarron%27s.jpg</image:loc>
      <image:title>Insights - Peter Leggett Named in Barron's Top 100 Financial Advisers - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-august-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b9c9cbe3-3e98-4a78-81e2-6ad2062571f4/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | August 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d7778d35-477c-4464-8604-89cecc55b58a/marketreturnsaugust2022-T.png</image:loc>
      <image:title>Insights - Market Summary | August 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-july-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/08141ee4-09e2-4f40-8d14-f9c0353eab28/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | July 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5a0f3263-7a41-4e0d-b474-ff7b233e51d4/market-returns-july-2022-1.png</image:loc>
      <image:title>Insights - Market Summary | July 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/introducing-arrow-invest</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f4d70566-aec9-4d89-a7e4-2b82cbf4ef81/Arrow%2BInvest%2BThin-2.jpg</image:loc>
      <image:title>Insights - Introducing Arrow Invest - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/0d5edf3c-36d6-43d5-9570-b89a1d1d500b/Screenshot+2024-02-06+122755.jpg</image:loc>
      <image:title>Insights - Introducing Arrow Invest - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-june-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1707182701135-MXMFXKSYXO35DTCM1V12/market-summary.jpg</image:loc>
      <image:title>Insights - Market Summary | June 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/719c0e49-6552-4528-bac4-38e9d4dbbbdd/market-returns-june-22-1.png</image:loc>
      <image:title>Insights - Market Summary | June 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/q2-investment-market-update-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/three-rules-for-turbulent-times</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/market-summary-2022-may</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4c8b80e3-f73c-44d3-a7b1-9979ea0d0a77/Screenshot+2024-02-06+125716.jpg</image:loc>
      <image:title>Insights - Market Summary | May 2022 - Make it stand out</image:title>
      <image:caption>The RBA raised rates for the first time in 10 years due to rising inflation.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5ee8f7f4-b50a-4a6b-93c8-3fba1b86cfe2/Screenshot+2024-02-06+125838.jpg</image:loc>
      <image:title>Insights - Market Summary | May 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-april-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/ab9f72ed-cb54-49f2-9dc0-c02e070ffea9/china-lockdown.png</image:loc>
      <image:title>Insights - Market Summary | April 2022 - Make it stand out</image:title>
      <image:caption>April saw the continuation of ‘zero-COVID’ lockdowns in China</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7351de21-eb08-4979-9952-f482773b6885/marketreturnsapril2022-2.png</image:loc>
      <image:title>Insights - Market Summary | April 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/understanding-reverse-mortgages</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5604cb4f-8c0c-46e2-8c2c-b51a482d5f10/Reverse-Mortgage.jpg</image:loc>
      <image:title>Insights - Understanding Reverse Mortgages - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/our-investment-philosophy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/a51b6ec1-f3c3-499c-9935-8c946bb00cc6/Slide2.jpg</image:loc>
      <image:title>Insights - Our Investment Philosophy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3de13c25-6a59-4855-b292-9f9dc50ef33a/Slide3.jpg</image:loc>
      <image:title>Insights - Our Investment Philosophy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/understanding-superannuation-contribution-caps</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3051f229-e9e2-41b3-92af-60c8ae9890c0/coin-jar.jpg</image:loc>
      <image:title>Insights - Understanding Superannuation Contribution Caps - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-march-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4111b595-b5ac-4dd9-a566-61f1ddfaf2c5/zelensky.jpg</image:loc>
      <image:title>Insights - Market Summary | March 2022 - Make it stand out</image:title>
      <image:caption>The Ukrainian conflict continued with no certain end in sight</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/584929ad-530b-4ca2-a2bf-7c24b5c6bca8/marketreturnsmarch2022-2.png</image:loc>
      <image:title>Insights - Market Summary | March 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/pandemic-performance-revised</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/early-stage-tax-concessions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/702b744f-a93d-4297-bb50-a0ec6b47f3ae/ESIC%2BInvestment%2B1.png</image:loc>
      <image:title>Insights - Early Stage Tax Concessions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8b005ca4-bc3f-4631-b866-a240c6ef63e2/ESIC%2BInvestment%2B2.png</image:loc>
      <image:title>Insights - Early Stage Tax Concessions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-february-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/e1438e24-0f42-4332-a946-913fda2acec7/Ukraine%2BWar.jpg</image:loc>
      <image:title>Insights - Market Summary | February 2022 - Make it stand out</image:title>
      <image:caption>The conflict between Russia and Ukraine commanded the attention of investors.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7c2f4dd7-4432-4d87-841a-fd4d1f572b26/marketreturnsfebruary2.png</image:loc>
      <image:title>Insights - Market Summary | February 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-january-2022</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/66736dee-29b5-4ae5-b063-46d5e11a9a33/crude-oil.jpg</image:loc>
      <image:title>Insights - Market Summary | January 2022 - Make it stand out</image:title>
      <image:caption>There’s surging prices and a bullish outlook for Brent and Crude Oil</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/2b7f3736-277d-4559-9735-6169512bc111/market-summary-january-2022-2.png</image:loc>
      <image:title>Insights - Market Summary | January 2022 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/superannuation-enhancements-passed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b5cee620-e574-4f1a-9844-bb305eb6d3db/Super%2BChanges.jpg</image:loc>
      <image:title>Insights - Superannuation Enhancements Passed - Make it stand out</image:title>
      <image:caption>The existing work test (broadly a minimum of 40 hours of gainful employment within a period of 30 days) or the work test exemption for recent retirees’ will no longer be required from 1 July 2022 for individuals aged 67 to 75 who make/receive salary sacrifice or non-concessional contributions (NCCs). The work test or recent retiree exemption will still be required for individuals in that age range who wish to claim a tax deduction for their personal contributions. Under the new rules, the work test can be met in any period in the financial year of the contribution. This is different to the current rules, where the work test must be met prior to contributing.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/the-great-interest-rate-normalisation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/536d2c46-5975-487f-9a19-3252a0348609/RBA.jpg</image:loc>
      <image:title>Insights - The Great Normalisation of Interest Rates</image:title>
      <image:caption>The above point is important. There is currently a general perception that high levels of debt in the private sector preclude the RBA from materially lifting interest rates. This view would appear to be reflected in the current yield curve. Ten-year government bonds are yielding 1.9%, which remains below the RBA’s target range for inflation and the bond market’s expected long term inflation rate of 2.3%. Hence bond market pricing assumes monetary policy will remain exceedingly loose, with the general level of interest rates remaining below inflation for most of the next decade (i.e., bond markets are assuming negative real rates will continue).</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2022/downsizer-contributions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-december-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/cc17c784-a1ab-45bd-b019-bec8e97c6bc5/retailshopping2.jpg</image:loc>
      <image:title>Insights - Market Summary | December 2021 - Make it stand out</image:title>
      <image:caption>Australian retail sales lifted 7.3% in November, well above the expected 3.9%.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/68d1cf5f-ac18-4d64-8162-0506ccb4866d/marketreturnsdec2021.png</image:loc>
      <image:title>Insights - Market Summary | December 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/merry-christmas-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/2021-portfolio-review-arrow-global-active</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/2021-portfolio-review-arrow-diversified-real-45</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/2021-portfolio-review-arrow-diversified-real-55</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/director-identification-number</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1707202193318-U5LRWQDD3S9DIVL1GDRA/Slide9.jpg</image:loc>
      <image:title>Insights - Director Identification Number</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1707202193512-2B4PD5AG2DCXI8BQM55U/Slide8.jpg</image:loc>
      <image:title>Insights - Director Identification Number</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1707202194140-AJIY1IYL9O4L8HZ2AA1C/Slide7.jpg</image:loc>
      <image:title>Insights - Director Identification Number</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1707202194327-1GKAP1FPDJ5ME0HLI2PU/Slide6.jpg</image:loc>
      <image:title>Insights - Director Identification Number</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-november-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/68d57b83-3714-4a2a-a59a-6d8b858582c5/Screenshot+2024-02-07+150317.jpg</image:loc>
      <image:title>Insights - Market Summary | November 2021 - Make it stand out</image:title>
      <image:caption>The Australian dollar withered over the month of November closing -5.5% against the USD</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/0bc1ad18-f059-4662-9642-3ad75b4aad8a/marketreturnsnovember2021-2.png</image:loc>
      <image:title>Insights - Market Summary | November 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-october-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9367e9fd-be70-407f-97e4-49c890fce7cb/ASX-market.jpg</image:loc>
      <image:title>Insights - Market Summary | October 2021 - Make it stand out</image:title>
      <image:caption>The ASX was flat for the month of October</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/0e035f3c-0778-40ae-bc4f-56b750346239/marketreturnsoctober2021t.png</image:loc>
      <image:title>Insights - Market Summary | October 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/arrow-socially-responsible-portfolio-update-october-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9f29da6e-df27-4b54-82be-46714f612de5/WHEB-Arrow-Impacts-Trans.png</image:loc>
      <image:title>Insights - Arrow Socially Responsible Portfolio Update | October 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-september-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8c587c8f-b769-4b9d-9dd9-4a7e0e89de3f/everegrande+%281%29.jpg</image:loc>
      <image:title>Insights - Market Summary | September 2021 - Make it stand out</image:title>
      <image:caption>Evergrande Group expressed financial troubles concerning their debt position</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/41996ac2-d5da-49fe-97a6-5131bc568ef4/market-returns-sep-2021.png</image:loc>
      <image:title>Insights - Market Summary | September 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-august-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5e746eb9-12f1-4aaa-8d61-688740843993/Screenshot+2024-02-07+170540.jpg</image:loc>
      <image:title>Insights - Market Summary | August 2021 - Make it stand out</image:title>
      <image:caption>China banned for-profit tutoring triggering a big sell-off in Chinese education stocks.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5d490439-d94e-4f6e-8b11-9ad399aa33f8/marketsummary-august2021-1.png</image:loc>
      <image:title>Insights - Market Summary | August 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/family-succession-planning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-july-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f04a1c41-9896-45df-aea7-c81412188d42/Infrastructure-US.jpg</image:loc>
      <image:title>Insights - Market Summary | July 2021 - Make it stand out</image:title>
      <image:caption>The U.S. Senate closes in on the finalisation of a US$1 trillion infrastructure bill.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/78bb72ea-6064-4bde-abef-d17adad37fae/market-returns-july-2021-1.png</image:loc>
      <image:title>Insights - Market Summary | July 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/elder-abuse</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-may-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9fa64cf5-2153-46e8-856e-e1af7b825e25/Open%2BFor%2BBusiness.png</image:loc>
      <image:title>Insights - Market Summary | May 2021 - Make it stand out</image:title>
      <image:caption>Economies continue to accelerate as the vaccination roll-outs hit key milestones.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d495e27c-54f6-45ba-81e6-b14acd1f84c1/marketsummary-may2021.png</image:loc>
      <image:title>Insights - Market Summary | May 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/pandemic-performance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-april-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1f4a2200-a65d-4b4d-91ce-53b71c10c618/india_cremation.jpg</image:loc>
      <image:title>Insights - Market Summary | April 2021 - Make it stand out</image:title>
      <image:caption>India has been devastated by a surge in Covid-19 infections, with over 20 million confirmed cases in early May.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/45c75d1e-6375-44df-8395-42041a44b5b6/market-returns-april.png</image:loc>
      <image:title>Insights - Market Summary | April 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/the-decade-that-was-equity-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-march-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b77c5bee-338f-461a-a8e4-8c662791c03a/airnz.jpg</image:loc>
      <image:title>Insights - Market Summary | March 2021 - Make it stand out</image:title>
      <image:caption>New Zealand announced plans to open a two-way, quarantine-free trans-Tasman travel bubble.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/e77a251a-2dd1-4f1b-a901-3340af9052dd/marketreturnsmarch2021.png</image:loc>
      <image:title>Insights - Market Summary | March 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-february-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/27ac7d08-3063-4498-9b8c-9e602af40939/AstraZeneca.jpg</image:loc>
      <image:title>Insights - Market Summary | February 2021 - Make it stand out</image:title>
      <image:caption>The Astra Zeneca vaccine began its roll-out throughout Europe and Australia</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7bc83428-4f7d-4c02-9b96-d3da177de787/marketsummary-march-2021.png</image:loc>
      <image:title>Insights - Market Summary | February 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/transfer-balance-caps</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/thoughts-on-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-january-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f34f63b0-8fc9-406f-acd8-07b04f5ddcec/jbhifi2.jpg</image:loc>
      <image:title>Insights - Market Summary | January 2021 - Make it stand out</image:title>
      <image:caption>Australia’s demand for consumer electronics was strong in 2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8d700475-65c0-4f43-9695-abc526686e3e/marketreturnsjanuary2021t.png</image:loc>
      <image:title>Insights - Market Summary | January 2021 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/what-to-be-mindful-of-in-2021</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-december-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f758d2b6-fa15-4d74-8e6b-4b03d044fd78/2020STOP.jpg</image:loc>
      <image:title>Insights - Market Summary | December 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/904f9661-48d6-4c88-9cc4-92c22b7e2e96/marketreturnsdecember2.png</image:loc>
      <image:title>Insights - Market Summary | December 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/2020-hindsight-2021-in-sight</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/93da320a-cc9c-42e0-bdd4-f040986bff17/Asset-Class-Returns-2020-2.png</image:loc>
      <image:title>Insights - 2020 Hindsight, 2021 in Sight - As we know, however, 2020 was an exceptional year on so many fronts. For investors, it delivered the most rapid equity price decline and recovery on record, as financial markets digested the implications of the COVID-19 pandemic and subsequent unparalleled policy response. The collapse in share prices in March was quickly reversed as investors concluded that the tragic impact of the pandemic would be for a limited period and that most listed companies could remain solvent and profitable, given magnitude of policy support being provided to the wider economy. Central to this policy support was a huge injection of spending from governments around globe, as well as the extension of monetary easing that brought near zero interest rates to Australia for the first time. Underpinning the rationale for this policy response was a mounting belief that in an environment of low inflation there are few limits on the magnitude of policy stimulus that can be absorbed by an economy.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3d7895b3-a85a-4a0f-8c4f-ce1402abc843/ASX%2BKey%2BSectors%2B2020+%281%29.png</image:loc>
      <image:title>Insights - 2020 Hindsight, 2021 in Sight - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/793c7ce3-bece-4c6c-873d-ab2b48be3a2e/binoculars.jpg</image:loc>
      <image:title>Insights - 2020 Hindsight, 2021 in Sight - Hence in setting investment strategies for the year ahead, a higher than normal degree of caution may be warranted. Unfortunately, the traditional use of cash and fixed interest asset classes as portfolio risk mitigators appears less compelling now that interest rates have fallen below expected inflation. However, the lack of appeal of interest bearing assets should not be a trigger to abandon the pursuit of diversification of investment exposures. Cash and other interest bearing assets can still play a role in providing a source of capital stability in portfolios, and provide a potential source of funding should opportunities emerge to purchase growth assets cheaper in the future. Other sources of diversification to complement equities may, though, need to receive more consideration if portfolio return objectives are to be met. Three potential sources of diversification that could play a more important role in portfolios over 2021 are discussed briefly below:</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-november-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/0e0681a8-94cf-4a12-a8c2-8ea4a411892b/Vaccine-vials.jpg</image:loc>
      <image:title>Insights - Market Summary | November 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7ca60a05-00e9-4563-84e2-2deadcdfde06/marketreturnsnovemebr2020-2.png</image:loc>
      <image:title>Insights - Market Summary | November 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/merry-christmas-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/kick-start-vic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/superannuation-contributions-work-test-regulations-relaxed</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/us-election</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-october-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3adfe8df-1818-4851-a8b3-d2d514006de7/Dandrews.jpg</image:loc>
      <image:title>Insights - Market Summary | October 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5aeb96b1-d527-4645-a71a-013b64602515/marketreturnsoctober2020-1.png</image:loc>
      <image:title>Insights - Market Summary | October 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/the-debrief-october-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-september-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4228dfbe-a65b-4648-9edd-7d97c20d360f/trump-mask.jpg</image:loc>
      <image:title>Insights - Market Summary | September 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7ebf14e6-1e14-4e96-8004-191282da63f1/marketreturnsseptember.png</image:loc>
      <image:title>Insights - Market Summary | September 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/the-debrief-september-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/introduction-to-socially-responsible-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-august-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/94c229ff-0486-4a40-a763-8513b819a6aa/video-call.jpg</image:loc>
      <image:title>Insights - Market Summary | August 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/96b5fb24-5a31-42c3-88c8-21cbdb5d7783/marketreturnsaugust2020-2.png</image:loc>
      <image:title>Insights - Market Summary | August 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/four-hybrid-themes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/t-rowe-price-investing-through-the-pandemic</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/accessing-home-equity-the-pension-loan-scheme</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/arrow-socially-responsible-portfolio-impact-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/superannuation-contributions</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f4b038e5-fcef-46d4-8f63-937c3b483826/Downsizer-Contributions---Infographic.png</image:loc>
      <image:title>Insights - Superannuation Contributions - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-july-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3aee97aa-c175-4816-af1c-0cba05333b44/TikTok.jpg</image:loc>
      <image:title>Insights - Market Summary | July 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f936d057-6038-4e80-943f-8070238e1827/marketreturnsjuly.png</image:loc>
      <image:title>Insights - Market Summary | July 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/asia-leading-the-recovery</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/impacts-of-covid-airline-travel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/what-we-need-to-do</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-june-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9dac43fe-7559-49d5-9581-1968ddbfba0d/marketreturnsjune2020.png</image:loc>
      <image:title>Insights - Market Summary | June 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-may-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/6340e001-f87b-454a-8237-1fe6f1807091/marketreturnsmay.png</image:loc>
      <image:title>Insights - Market Summary | May 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/7-considerations-for-investing-in-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-april-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c549e0af-4875-4bfa-b724-e80dda6f625a/marketreturnsapril2020+%281%29.png</image:loc>
      <image:title>Insights - Market Summary | April 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/changing-world-australian-banks</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-march-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/49080a83-0286-458d-8eea-40168bd15ff2/marketreturnsmarch2.png</image:loc>
      <image:title>Insights - Market Summary | March 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/autumn-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-february-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/79e5b82d-8d30-4dfa-b4a0-910c9695d50e/marketreturnsfeb2020.png</image:loc>
      <image:title>Insights - Market Summary | February 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-january-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4fdb808c-0a9d-4b73-91c1-b30d481e6347/marketreturnsjan2020.png</image:loc>
      <image:title>Insights - Market Summary | January 2020 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/guide-dogs-victoria-helping-a-great-organisation-towards-a-sustainable-future</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5785b6eb-871c-4d35-baad-1dc0a06fc2bf/Brook.jpg</image:loc>
      <image:title>Insights - Guide Dogs Victoria - helping a great organisation towards a sustainable future</image:title>
      <image:caption>With service at iconic names such as Snowy Hydro, Melbourne University, Newmont Corporation and CSL Ltd, he holds his role as a Director of Guide Dogs Victoria (GDV) close to his heart. Bruce joined the GDV Board in 2018 at a time when the organisation was set to embark on a significant transformational change program that will see the historic 1962 campus in Kew undergo a major $23.2m redevelopment aimed at securing a sustainable future. The progressive plan will deliver the world’s first fully accessible sensory campus, creating a vibrant training facility where disability is forgotten and only the abilities of people with low vision and blindness are celebrated. As Chair of the Audit and Risk Committee, and a member of the project-focussed ‘Future is in Sight’ Committee, Bruce is excited to be engaged with his fellow Directors and the management of the development of three new revenue generating enterprises that will be accessible to the general public. These include a Vet Centre, Dog Day Care Facility and a Dog-Friendly Café. These three businesses will create new revenue streams for GDV and over time, reduce the organisations heavy reliance on fundraising to deliver its services.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/the-great-asset-class-race</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-december-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-november-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/37c0cd62-14f4-44bc-b1e0-fa7d91bb55a6/market-returns-november.png</image:loc>
      <image:title>Insights - Market Summary | November 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-october-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b0d080f4-503d-4d2e-b4e7-5374b714f1b7/market-returns-october.png</image:loc>
      <image:title>Insights - Market Summary | October 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/october-2019-update-arrow-investment-advisory-board</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/spring-time-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/eat-my-shorts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f75294fc-b8d2-42d1-b8ad-d05367d79f6c/Tesla.jpg</image:loc>
      <image:title>Insights - Eat My Shorts - In recent times, when it comes to shorting, the one company that continually has its name thrown around is Tesla. If you’re not familiar with the company, Tesla primarily specializes in the manufacturing of electric vehicles and the development of the technology associated with them. A few years ago, the price of the company’s shares was rallying strongly of the back of strong sales. However, a string of productions issues and legal ramifications following CEO Elon Musk’s infamous “420” &amp; “short burn of the century” tweets have cast doubt over the future of the company.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b9df912d-ee41-4a63-902e-4736f4f54f0c/Elon.jpg</image:loc>
      <image:title>Insights - Eat My Shorts - In this situation, it’s very likely the price of the shares have risen to a point where short-sellers would begin to receive margin calls from their lenders. Investors are faced with two options, they can either top up their account with more cash allowing them to continue to hold their short position or, buy the shares back on market to close out their position in a phenomenon known as a short-squeeze.</image:title>
      <image:caption>A short squeeze results in increased buying volume that ultimately drives up the stock further than it theoretically would have if investors weren’t forced into buying. Currently, it seems Elon has come good on his promise for the “short burn of the century”. The large discrepancy in consensus and delivered results highlights how analysts continue to have difficulty forecasting the company’s cash flows. The longer-term outlook for the stock remains hazy but if the company continues to exceed expectation it won’t be long until they’re back in the good books.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-september-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/73f7dd4d-e7d2-4876-b17c-c51009e2af94/marketreturnsseptember.png</image:loc>
      <image:title>Insights - Market Summary | September 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/revival-of-the-music-industry</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f432f9fe-338b-44e7-a040-cf98aa31b053/MusicRevenue.png</image:loc>
      <image:title>Insights - Revival of the Music Industry - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-august-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1031279d-e032-4995-b641-c094ae55b302/marketreturnsaugust2019.png</image:loc>
      <image:title>Insights - Market Summary | August 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/introduction-to-socially-responsible-portfolio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/subscription-addiction</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d21e2588-4da0-4998-b3ac-28f9cbd1bf03/Adobe-Inc-Revenue-Growth.png</image:loc>
      <image:title>Insights - Subscription Addiction - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/62be5b71-c525-4bc7-bc61-43b29b616ff4/Nike%2BAdventure%2BClub.jpg</image:loc>
      <image:title>Insights - Subscription Addiction - Earlier this year, Nike launched its “Adventure Club” subscription service. The service is designed to “make shopping easier for parents who struggle to keep up with their quickly growing children’s shoe needs”. From $30 a month, you can have a fresh pair of sneakers for your child conveniently delivered to your door every six months. Now whilst this may only seem attractive to a small portion of parents, to investors and analysts it’s a moneymaker. This subscription builds a stable revenue stream and brand loyalty, stifling competitors.  Who knows, some parents may even decide to upgrade to 12 pairs ($75 a month) a year package.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b7e13176-7392-44ac-aa1f-32a28f23ebe5/spotify.jpg</image:loc>
      <image:title>Insights - Subscription Addiction - Another benefit of the subscription model is the vast amount of data they can collect from their customer base. If their customer base remains stable over time, this would give a good indication that their customers are satisfied with the service. Alternatively, higher rates of customer churn may indicate that their service needs to change. After all, a recurring revenue model works best if the revenues recur. This mass of data also provides plenty of opportunities to upsell, which can increase margins at very little additional cost to the provider.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-july-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/63054ed1-e206-48c9-be1a-57b786e2b713/marketreturnsjuly2019.png</image:loc>
      <image:title>Insights - Market Summary | July 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/is-passive-investment-killing-value</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/ff06cf19-67e2-4616-86e7-0c23fa884034/Screenshot+2024-02-23+150900.jpg</image:loc>
      <image:title>Insights - Is Passive Investment Killing Value? - Metaphorically, imagine a field of sheep (passive investors) being herded by a pack of sheepdogs (active investors). If the stock price or sheep run too high the sheepdogs will sell, herding the stock the other way until the price becomes attractive again, at which point sheepdogs will herd the sheep back the other way. Now, imagine we double the number of sheep or make them twice as big. What effect could this be having? Could the sheer size of passive investment have the potential to overpower active investors?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4fd722a6-4ad0-4de4-88d3-34b71c8c41cd/beach+people.jpg</image:loc>
      <image:title>Insights - Is Passive Investment Killing Value? - Although the drop-off in value opportunities isn’t entirely a result of ETF inflows, if you dial down to a more technical level, additional investment into the passive space does suggest demand in stocks that would otherwise go unloved. As a result, falling equities may pick up more support than they typically would have, possibly denying value managers the opportunity to enter at their desired valuations.</image:title>
      <image:caption>We must also consider that since the global financial crisis we have seen a tremendously low volatility run in equity markets, with the only significant pullback occurring in the fourth quarter of 2018 – a trend that also has favoured both passive and growth strategies. It begs the question: if we were to see a turn in investment markets, would that also coincide with a revival of value investing?</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-june-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/f71c218a-3b8e-4169-867d-3e87b6f76673/marketreturnsjune.png</image:loc>
      <image:title>Insights - Market Summary | June 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/july-2019-update-arrow-investment-advisory-board</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-june-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/da10858c-4355-4704-a63b-53ef237a5862/Strategy%2BTalk%2BJune.jpg</image:loc>
      <image:title>Insights - Strategy Talk | June 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-april-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c061fbf8-d678-4ceb-ba8a-e24e3d7f1b67/marketreturnsapril2019.png</image:loc>
      <image:title>Insights - Market Summary | April 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-april-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-march-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3912a967-56d9-44e2-aa2d-62e6296a7254/marketreturnsmarch2019.png</image:loc>
      <image:title>Insights - Market Summary | March 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-march-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3e71efce-3126-402b-a956-32ee03e4f4d4/Strategy%2BTalk%2BJune.jpg</image:loc>
      <image:title>Insights - Strategy Talk | March 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/58f1cd0d-2073-48d5-9e50-77ca4fb1597a/creditcardtap.jpg</image:loc>
      <image:title>Insights - Strategy Talk | March 2019 - According to the Reserve Bank of Australia (RBA), in November 2018, Australians made 250 million card transactions totalling $29 million – up by 10 million transactions over the previous 12 months. This is possibly due to increasingly popular tap-and-go technology. We’re ‘tapping’ everything from lattes to doctor appointments, often losing track of purchases along the way.</image:title>
      <image:caption>When using credit cards for quick personal loans beware the fine print! Card loans may offer reduced interest rates, but missed payments can result in interest rates reverting to the card’s higher rate. Credit card balances can quickly blow out and take years to pay off. Let’s do some maths.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3b91b5c2-6df7-4d97-82be-8a531c2e722f/compounding.jpg</image:loc>
      <image:title>Insights - Strategy Talk | March 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7815b76c-6ce8-47a5-992b-f719c01deb8c/freewifi.jpg</image:loc>
      <image:title>Insights - Strategy Talk | March 2019 - Let’s start with something most people don’t associate with an overseas holiday - make sure your Will and powers of attorney are up to date and your executor and/or attorney know where to find important information. If there isn’t anyone that holds your power of attorney, consider appointing one before you leave. This can either be an enduring or a limited power of attorney. Prepare a list of your accommodation details including addresses, phone numbers and dates. Place a hard copy in each of your bags and give copies to your travelling partners, including any accompanying children. It may help to reunite you with lost bags or lost companions, but is perhaps most useful when giving directions to taxi drivers. Showing them the written address avoids the inconvenience and expense that occurs when mispronunciation or a misunderstood accent delivers you to the wrong hotel.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/eec929bc-1d13-431d-8542-5423dadbdd99/pickpocket.jpg</image:loc>
      <image:title>Insights - Strategy Talk | March 2019 - Check the expiry date on your card to make sure it remains valid for your entire trip. Tell your credit card providers that you are travelling overseas. Provide dates of departure and return and advise which countries you will be visiting so purchases from those countries don’t set off warning systems. Write down your card details including the ‘lost and stolen’ helpline number. Take one hard copy with you and leave one at home in a safe place. Fraudsters are getting smarter so treat your credit cards like cash – protect them at all times. Remember you will pay interest on cash advances so think about putting your card in credit or use a debit card or prepaid card to allow you to withdraw cash without interest. (But you will probably have to pay an international transaction fee on these withdrawals.)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/partners-group-singapore-conference</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-february-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/a05a1703-4541-4297-8cf5-7e28b99b5e1c/marketsummaryfebruary2019.png</image:loc>
      <image:title>Insights - Market Summary | February 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/implications-of-franking-credit-changes</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-january-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/ffbffdd0-2578-4a74-a83a-194c66aed7cc/Strategy%2BTalk%2BJune+%282%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | January 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1aab73ff-4c89-48bb-9638-bf23a674c21c/20s.png</image:loc>
      <image:title>Insights - Strategy Talk | January 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b40174fa-5668-4876-918c-1e20ffffbb7b/30s.png</image:loc>
      <image:title>Insights - Strategy Talk | January 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/080a40d6-c23c-4bab-af92-5d7f90f0c35b/40s.png</image:loc>
      <image:title>Insights - Strategy Talk | January 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4ae9991d-4ced-4666-9324-a81a42416587/50s.png</image:loc>
      <image:title>Insights - Strategy Talk | January 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/e5c286b6-f43c-4a18-a024-09793ba9e9b5/60s.png</image:loc>
      <image:title>Insights - Strategy Talk | January 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-february-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3d6facf4-358c-4f45-ace3-0d0160cb0637/Strategy%2BTalk%2BJune+%281%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | February 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5b5729d7-cb7f-4915-8f41-8bc594143c07/divorce.jpg</image:loc>
      <image:title>Insights - Strategy Talk | February 2019 - While divorce carries a heavy emotional burden at any age, the financial stakes for older divorcees can be greater, and the prospect of starting over more daunting than for younger people. The over 50s have often accumulated significant wealth. They tend to be focused on that final sprint to retirement, maximising super contributions before putting their feet up and commencing a superannuation pension. Retirement may also entail downsizing a home or a move to the coast or the bush. At all points along this path through later life, the financial consequences of divorce are substantial.</image:title>
      <image:caption>Given the major upheaval created by this event it’s critical to obtain professional financial advice right from the start. This will help to ensure the smooth separation of finances and a reduction in any unnecessary emotional pain. This doesn’t just apply to the end of formal marriages; the issues are largely the same when de facto relationships come to an end.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/e3986fde-cc29-4ff1-bcb5-aa41f0bacbdd/single%2Bladies.jpg</image:loc>
      <image:title>Insights - Strategy Talk | February 2019 - The next chapter Many late-life divorcees will re-partner and establish happy new relationships. The financial aspects of re-partnering are many and complex, and even with the best of intentions, poor decisions, or even a failure to act, can have major financial consequences. For others, remaining single will prove more attractive. Either way, when life slips into a new and stable pattern, it’s time once again to seek out expert advice. We will be here if you need us.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/82efdce3-5696-4361-9ef2-ac0a7fbd16cf/sittingatdesk.jpg</image:loc>
      <image:title>Insights - Strategy Talk | February 2019 - As a population, we are moving less. We’re buying online where we used to visit shopping centres. We, who once walked or cycled to school, now drive our kids; and they spend hours chatting with friends online instead of physically meeting up with them. Technology has aided and abetted us in becoming more sedentary than ever before – to the detriment of our health and well-being. According to the United Kingdom’s National Health Service (NHS), excessive sitting is putting us at risk of all manner of diseases, the most common being obesity and Diabetes Type 2.</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/3f6bc8bb-b7ac-4c0c-8b24-86ec7fed14fa/runningshoes1.jpg</image:loc>
      <image:title>Insights - Strategy Talk | February 2019 - Taking the stairs instead of the lift. Visiting colleagues’ desks. Pacing while on the phone. Setting an hourly timer reminding you to get up and walk. Walking with the kids to school. Organising walking meetings at work – it’s a thing, Google it! Our bodies are designed for movement. Lack of movement causes muscles and bones to weaken and ultimately our health and mental well-being can suffer.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-december-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/a71df7f1-aab4-4c92-9b1f-06b3eb0179aa/marketreturnsdecember1.png</image:loc>
      <image:title>Insights - Market Summary | December 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-january-2019</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/60fa4035-be59-42c0-ab5c-b0f6fd77cf3f/marketreturns.png</image:loc>
      <image:title>Insights - Market Summary | January 2019 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/eyes-on-the-christmas-property-prize</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/merry-christmas</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-november-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/11935076-18fc-4ee8-90bc-055a4a04cec8/marketreeturnsnovembertrans.png</image:loc>
      <image:title>Insights - Market Summary | November 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-november-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/034d07be-12bc-409a-a7f9-704dc2467355/Strategy%2BTalk%2BJune+%283%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d0adb4d8-7eee-4b61-97e2-7c3c459f5413/downsize.png</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - This incentive, known as the ‘downsizer contribution’, is part of a federal government program to improve housing affordability. It offers a further opportunity for some home sellers to benefit from the tax advantages associated with superannuation. On the downside it may adversely affect eligibility for age pension.</image:title>
      <image:caption>Rules apply Of course, it wouldn’t be a super contribution without lots of rules, and the main ones are:</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/43d06b44-ffcb-437a-8d90-dbf63c68bc0a/houseofcoins+%281%29.png</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - Curiously, given the name of this initiative, you don’t need to physically downsize your home. If you have the funds available you could buy a bigger or more expensive abode. In fact, you don’t even need to buy a new home at all. The effect on super</image:title>
      <image:caption>On the superannuation side, you can make a downsizer contribution if your total super balance exceeds $1.6 million. However, the contribution will count towards your transfer balance cap (i.e. the cap on the amount you can use to establish a tax-free superannuation pension). Even so, it may still be advantageous to hold these funds in the concessional (15%) tax environment applicable to the super accumulation phase.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9835bceb-4138-42a0-89eb-661287ce3f8b/savingsorhome.png</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - Do you need to own your home? For most people home ownership remains part of the great Australian dream, but that’s changing. Renting offers greater flexibility and can be an economically viable alternative to buying. Weigh up the pros and cons first to see if you really want or need to own your home. If the answer is a definite yes, then…</image:title>
      <image:caption>What repayments can you afford? To answer this question with certainty you really do need to do a budget. This should show you exactly how much money is coming in, how much is going out, and how much is left to service your mortgage. Your budget will identify what you are spending money on and may reveal areas where you can save more. If your plans include starting a family at some stage, factor in the likely drop in income.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4b6d956a-e678-470e-9d47-5fab7dcd5ef6/tight%2Bmoney.png</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - Your lender will want to see your bank account and credit card statements. Do they reveal a good savings history and responsible use of debt; or the habits of a reckless spender with a poor credit rating? If it’s going to take awhile to save your deposit, it’s not too late to build a good savings history that will impress your lender.</image:title>
      <image:caption>Try to clear current debts as quickly as possible. Cancel any unnecessary credit cards, and consider cutting back the spending limit on other cards. When you apply for a mortgage your lender will include your credit card limits, not the actual balances, in their calculation of your current debt.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c7306be0-1649-42e7-8407-f7996d5e8a30/home.jpg</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - Be aware that it is now more difficult to get a loan due to lender and regulator concerns over high levels of household debt. However, there are still plenty of lenders to choose from, including your current bank, other banks, non-bank and online lenders. It can pay to shop around, whether you do it yourself or use a licensed mortgage broker.</image:title>
      <image:caption>When it comes to applying for a loan be prepared to provide your lender with pay slips, credit card and bank statements, and details of your assets and any debts you have. Then, before you start visiting open houses, consider seeking pre-approval from your intended lender. Be aware that pre-approval may not guarantee that your loan application will be successful, particularly if it’s an instant appraisal based solely on the information you provide. Check with your lender what their pre-approval actually means. If it’s a full assessment it will provide you with more certainty when making an offer. Even then, pre-approval may not protect you if, say, the property is unacceptable to the lender. Also be aware that making multiple pre-assessment applications can affect your credit rating.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/2e2b64be-0890-4f84-bc11-67fdb7b049c7/beachhouse1.jpg</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - Technically it could! Hundreds of thousands of Australians own their holiday getaways. With the temptation to escape the daily grind, a holiday home can be a very rewarding purchase. But do holiday homes make a good investment?</image:title>
      <image:caption>When it comes to investing in property, it’s easy to let your emotions rule. However, before you make any snap decisions you should consider the benefits and risks associated with this kind of purchase.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/a708634f-6c88-4adb-ac42-c6ad7b6f9ca1/farmhouse1.jpg</image:loc>
      <image:title>Insights - Strategy Talk | November 2018 - The risks Occupancy rates fluctuate. Strong demand for holiday homes is on average around 8 to 10 weeks per year – and this is dependent on location. Demand for homes in a warmer climate is more consistent (especially if it’s beachfront).</image:title>
      <image:caption>If you rely on income from peak holiday seasons you won’t be able to use your holiday home during these times, e.g. during school holidays. You may need to take on a significant mortgage as holiday homes can be quite expensive.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/november-2018-update-arrow-investment-advisory-board</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-october-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/982599f6-8736-4996-83ec-65f14df0a2c8/market-summary-october.png</image:loc>
      <image:title>Insights - Market Summary | October 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/arrow-socially-responsible-portfolio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/0736eab0-a457-47a9-8f2b-c9d1f90639a7/Arrow%2BSocially%2BResponsible.jpg</image:loc>
      <image:title>Insights - Arrow Socially Responsible Portfolio - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-october-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d1455646-c225-4285-84a5-934e9e108de8/Strategy%2BTalk%2BJune+%284%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | October 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/521e19ab-e73d-4cb0-ae97-4364b2925d93/ethical%2Binvesting.png</image:loc>
      <image:title>Insights - Strategy Talk | October 2018 - Of course, “ethical” is a subjective term. For example, an ethical fund manager could define tobacco and gambling as unethical yet consider alcohol to be okay. Another ethical fund could be reluctant to invest in banks because they lend to companies that damage the environment. We are seeing this affect lenders that fund coal mining for example. Obviously the important issue is what you, the investor, considers ethical. If you are contemplating an ethical investment then not only will you need to understand the financials of the potential investment but also ensure that the underlying businesses and their activities meet your standards. Whilst it is difficult to lay down an exact formula for ethical investments, there are some basic values which many people share:</image:title>
      <image:caption>Avoid causing illness, disease, or death; Avoid destroying or damaging the environment; Avoid treating people with disrespect.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4fbed50c-f077-4505-85ea-ea5a95161423/risk-return.png</image:loc>
      <image:title>Insights - Strategy Talk | October 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/674229cb-f2fa-422a-9cc1-1b61415d1141/sharereturns.png</image:loc>
      <image:title>Insights - Strategy Talk | October 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b0aae046-a0fe-42d0-acbe-cddfedf48f7a/dividendvtermdeposits.png</image:loc>
      <image:title>Insights - Strategy Talk | October 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/29a29c6f-d94e-43c9-ba04-7e6c7016b224/actualindexlevel.png</image:loc>
      <image:title>Insights - Strategy Talk | October 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b50ffc72-ab7f-441f-b8bf-1e162cdff06d/downsize+%281%29.png</image:loc>
      <image:title>Insights - Strategy Talk | October 2018 - Generally, any capital gains on the sale of the family home are exempt from capital gains tax (CGT). However, if the home has been used for income-producing activity, such as running a business or letting out a room, then a portion of the gain may be subject to CGT.</image:title>
      <image:caption>Generally, any capital gains on the sale of the family home are exempt from capital gains tax (CGT). However, if the home has been used for income-producing activity, such as running a business or letting out a room, then a portion of the gain may be subject to CGT. On the upside, downsizing may reduce your living costs. New homes are usually more energy efficient, and cost less to heat and cool than older housing stock.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-september-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c086e605-e130-4050-bc55-446e8a78f943/market-returns-september.png</image:loc>
      <image:title>Insights - Market Summary | September 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-september-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4bfdc598-324d-4aaf-886f-fd02ab0c1a30/Strategy%2BTalk%2BJune+%285%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | September 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/499b914d-40aa-41bd-a213-cdc92d578a95/elderly.png</image:loc>
      <image:title>Insights - Strategy Talk | September 2018 - Split by health Eric, 85, and Wendy, 87, own a home valued at $650,000. In June 2017 poor health made it necessary for Eric to move into aged care. Wendy remained in the family home so the house was exempt from the assets test, and as there was no rental income, there was no impact on the income test. Reunited</image:title>
      <image:caption>In January 2018 Wendy’s increasing frailty also saw her entering residential care, fortunately in the same facility as Eric. Their former home was rented out and became assessable as an asset. As the value of the home is more than twice the current cap, they each have $165,271 included in their assessed assets.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/8a362cb9-92c4-43fb-b922-df19cb16ab61/happyelderly.jpg</image:loc>
      <image:title>Insights - Strategy Talk | September 2018 - The rationale is that those who can afford to pay for care should do so, while the government will subsidise those who don’t have the capacity to pay. Fees are now capped on an annual or lifetime basis and indexed annually.</image:title>
      <image:caption>When entering aged care accommodation residents have the choice of paying a Refundable Accommodation Deposit (RAD) or making periodic Deposit Accommodation Payments (DAPs). To safeguard against the care facility becoming insolvent and unable to repay bonds, the government undertakes to make the repayment to either the resident or their estate. Bond amounts are recovered by the government by it levying a regular fee against the care facility.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/e78135a8-3528-47d5-bfcf-5622bbeea983/masala.jpg</image:loc>
      <image:title>Insights - Strategy Talk | September 2018 - The word ‘curry’ is said to be the anglicised word from the Tamil word ‘kari’ which either related to the curry leaf (kari patha) or a dish with ‘gravy’. The British picked this word up (not knowing the meanings) and coined ’curry powder’ to describe their creation of an Indian spice blend. Unfortunately in doing so, the word ‘curry’ has not just become a general description for Indian cooking (colour, taste, style and method) but has also promoted the notion that one spice blend called ‘curry powder’ is the way to make an authentic Indian dish.</image:title>
      <image:caption>The word ‘curry’ in India simply means ‘gravy’ or ‘sauce’. In Kerala when the question is asked of the host, during a meal, ‘curry ondo?” the diner is asking, “what is there to wet my rice or bread?” The ‘curry’ could simply be yoghurt.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/496ed1ff-6748-4401-8d7f-fa94d1c1572c/eggcurry.jpg</image:loc>
      <image:title>Insights - Strategy Talk | September 2018 - In Kerala they make both wet and dry masalas. Commonly used spices which are grown in Kerala include coriander, cinnamon, cardamom, cloves, black pepper, mustard and nutmeg which are added to various dry masalas. Freshly grated coconut or coconut milk, green and dried red chillies, turmeric and curry leaves may also be added. These fresh ingredients are often part of a wet blend, ground together to form a thick paste and combined with dry spices or added directly to the cooking.</image:title>
      <image:caption>So the next time you want to make a curry, forget the curry powder and start experimenting with aromatic Indian spices to create your own ‘masala’.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/environmental-social-amp-corporate-governance-policy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-august-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/4ac35416-f8b9-4b52-9d7a-53a91278b260/market%2Breturns%2Baugust.png</image:loc>
      <image:title>Insights - Market Summary | August 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-august-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/6d64f8c2-328f-4fdf-a04c-ef3c103f9101/Strategy%2BTalk%2BJune.jpg</image:loc>
      <image:title>Insights - Strategy Talk | August 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/2bab630b-26d9-4351-b440-2467764d4134/childcare+%281%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | August 2018</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/cabbc61f-e5c6-47dd-939a-90fdc15ea633/grandfather.jpg</image:loc>
      <image:title>Insights - Strategy Talk | August 2018 - While it’s nice to have a specific account with its special status and easy to see growth, the important thing is the overall pool of money available to the family when the time comes to stump up the school fees. Plan B Ellie’s parents, Sara and Shane, are five years into paying off their mortgage. Their interest rate is 5% pa, the remaining balance is $530,000, and their monthly repayments are $3,500. If interest rates and payments remain steady, in 10 years’ time their mortgage balance will be down to around $329,427.</image:title>
      <image:caption>What if, instead of setting up the term deposit, Donna and Simon gift the $50,000 to Sara and Shane who then deposit it in their mortgage account? This sees them effectively servicing a smaller loan.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/55c971ff-ef33-41e3-8351-9113b552b1c9/TalkMoneyWithChildren.jpg</image:loc>
      <image:title>Insights - Strategy Talk | August 2018 - "The aim of this eBook is to help you share good financial habits with children, your own, or those you help raise. The truth is children first learn about money and how to manage it - earn, spend, save, invest, give it away - from watching and listening to adults. When we share positive behaviour and are frank about money, we create realisitic expectations for children and we empower them to become financially capable adults. So, why not weave smart money lessons into your everyday moments?</image:title>
      <image:caption>"You can download the e-book here.”</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/2a4f0b47-2118-45b1-bc5c-bc1f78ac53e8/julie.jpg</image:loc>
      <image:title>Insights - Strategy Talk | August 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-july-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/74a82db5-c760-4dde-9a06-3e455c8f8a1e/marketreturnshulytransparent.png</image:loc>
      <image:title>Insights - Market Summary | July 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-july-2018</loc>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9bfda4ce-bd06-4853-8e4a-6959c8b0536c/Strategy%2BTalk%2BJune+%281%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | July 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9368d4c9-5818-43e9-8d8b-0f85843de5ff/AusDollar.jpg</image:loc>
      <image:title>Insights - Strategy Talk | July 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/64638796-ffe3-4fc4-9725-59fc8aefaa2d/Privacy.jpg</image:loc>
      <image:title>Insights - Strategy Talk | July 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7b6e4b02-f7e1-4acc-b1ec-54bfdc98e3dd/Japan%2BFlag.jpg</image:loc>
      <image:title>Insights - Strategy Talk | July 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/d7c56d3a-f0cb-4faa-a7f4-246150dd043c/japanese%2Bfood.jpg</image:loc>
      <image:title>Insights - Strategy Talk | July 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/9521f343-a88f-4390-ab1e-fe17197a3736/mtfuji.jpg</image:loc>
      <image:title>Insights - Strategy Talk | July 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-june-2018</loc>
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    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c1a57f77-a9f7-406b-8b49-6ae023533dcb/marketreturnsjunetransparent.png</image:loc>
      <image:title>Insights - Market Summary | June 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-june-2018</loc>
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    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7b17eed9-6d10-43cc-ba40-b07588f44809/Strategy%2BTalk%2BJune+%282%29.jpg</image:loc>
      <image:title>Insights - Strategy Talk | June 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/29cb77a4-e0f6-4b48-af32-a63593b919cf/SMSF.png</image:loc>
      <image:title>Insights - Strategy Talk | June 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/6d3d1913-42c5-44da-a0ee-dccfee7d2a7a/mydeductionsapp.jpg</image:loc>
      <image:title>Insights - Strategy Talk | June 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/bc613a68-107e-4001-8903-d8eb10e2fcc3/new%2Btv.jpg</image:loc>
      <image:title>Insights - Strategy Talk | June 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c72101e2-183a-4ff6-b7da-5bf1fb729da3/Planning%2BAhead%2BGives%2BYou%2Ba%2BChoice.jpg</image:loc>
      <image:title>Insights - Strategy Talk | June 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/june-2018-update-arrow-investment-advisory-board</loc>
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    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-may-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/1ec13c31-83eb-4b95-a8b8-dc8741f911c1/strategytalk.jpg</image:loc>
      <image:title>Insights - Strategy Talk | May 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/b2aad0ad-0962-4856-b240-edd9aa18b632/demographicssmall.jpg</image:loc>
      <image:title>Insights - Strategy Talk | May 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/0ec280b4-9c68-4f92-96b6-6b774fd7a836/buyingyourkidsahomegoodideaorbad.jpg</image:loc>
      <image:title>Insights - Strategy Talk | May 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-may-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/46ef684e-28a5-4940-aadc-e16bee5320b8/marketreturnsmay2018.png</image:loc>
      <image:title>Insights - Market Summary | May 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/further-fee-savings</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-april-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/02df04e2-3085-4702-998e-55e1d28cf02c/marketreturnsapril1.png</image:loc>
      <image:title>Insights - Market Summary | April 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/amp-capital-core-property-fund-may-2018-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/strategy-talk-april-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/70cb704b-75ca-45de-b484-2acf33bfe717/Strategy%2BTalk.jpg</image:loc>
      <image:title>Insights - Strategy Talk | April 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/651e2ea2-65d6-451b-9945-42acbfe18828/End%2Bof%2Bthis%2BFinancial%2BYear.png</image:loc>
      <image:title>Insights - Strategy Talk | April 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7d9cadc2-fbdb-4c4a-9c49-9be94166b4c0/home.jpg</image:loc>
      <image:title>Insights - Strategy Talk | April 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/be54507a-938d-4fa5-8827-f5fbd491cf85/Ambulance.jpg</image:loc>
      <image:title>Insights - Strategy Talk | April 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/a5447e7c-2010-45ac-a1f2-e424c576fb54/family.jpg</image:loc>
      <image:title>Insights - Strategy Talk | April 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-march-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/c324ff09-a5a9-48f9-a6cf-95bb46adb3dc/market%2Bsummary%2B-%2Bmarch1.png</image:loc>
      <image:title>Insights - Market Summary | March 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/arrow-investment-advisory-board-april-2018-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/global-update-march-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/5ef97b0a-ec3b-49d9-ac52-a6b9fc36acb5/U.S.%2BUnemployment%2BRate%2B%28%25%29.png</image:loc>
      <image:title>Insights - Global Update | March 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-february-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/298ef403-058b-4914-a2a7-7a3bee62ea84/February%2BMarket%2BReturns.png</image:loc>
      <image:title>Insights - Market Summary | February 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/global-market-update-march-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/arrow-investment-advisory-board-february-2018-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-january-2018</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/dd757b2b-c77a-4cf8-a496-eed4745b6660/marketreturnsjan.png</image:loc>
      <image:title>Insights - Market Summary | January 2018 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-december-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/6556d764-109d-4372-a2c0-f6f765cdc1ef/Market%2BSummary%2BDecember.png</image:loc>
      <image:title>Insights - Market Summary | December 2017 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/merry-christmas-1</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-november-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/74276cf3-c0a9-47e5-aad0-1256645965ef/marketreturnsnovember.png</image:loc>
      <image:title>Insights - Market Summary | November 2017 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/arrow-investment-advisory-board-november-2017-update</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-october-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/7db3edac-cb5d-4033-be24-9a96ecaf2ca8/Marketing%2BReturns%2B-%2BOctober%2B2017.png</image:loc>
      <image:title>Insights - Market Summary | October 2017 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-september-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/57f43f95-d968-46cc-a655-92294561175e/Market%2BReturns%2B-%2BSeptember%2B2017.png</image:loc>
      <image:title>Insights - Market Summary | September 2017 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-august-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/99a5f378-a608-45b2-a35a-74d1f5aea9fa/Market%2BReturns%2B-%2BAugust.png</image:loc>
      <image:title>Insights - Market Summary | August 2017 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/2024/market-summary-july-2017</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-06-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/64dacf14691ed738b6f5891f/85216e89-85bc-4864-b7a6-f6d059fe8fce/Market%2BReturns%2B-%2BJuly+%281%29.png</image:loc>
      <image:title>Insights - Market Summary | July 2017 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/category/Miscellaneous</loc>
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  <url>
    <loc>https://www.arrowwealth.com.au/insights/category/Generations+Podcast</loc>
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  </url>
  <url>
    <loc>https://www.arrowwealth.com.au/insights/category/Arrow+Insights</loc>
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  <url>
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  <url>
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  <url>
    <loc>https://www.arrowwealth.com.au/insights/category/Strategy+Talk</loc>
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  <url>
    <loc>https://www.arrowwealth.com.au/insights/category/Quarterly+Investment+Updates</loc>
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  <url>
    <loc>https://www.arrowwealth.com.au/insights/category/Generations</loc>
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  <url>
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  <url>
    <loc>https://www.arrowwealth.com.au/insights/tag/Mathew+Ashton</loc>
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