<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="/sitemap_generator/default/sitemap.xsl"?>
<!--Generated by the Simple XML Sitemap Drupal module: https://drupal.org/project/simple_sitemap.-->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
 <url>
  <loc>https://foord.com/about-foord/global-funds/foord-international-fund</loc>
  <lastmod>2026-03-04T12:32:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/global-funds/foord-global-equity-fund</loc>
  <lastmod>2026-03-18T20:34:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/global-funds/foord-international-trust</loc>
  <lastmod>2026-03-04T12:33:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/about-foord/global-funds/foord-global-equity-fund-luxembourg</loc>
  <lastmod>2026-03-04T12:31:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/investments/unit-trusts/foord-asia-ex-japan-fund</loc>
  <lastmod>2026-03-04T12:33:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/investments/unit-trusts/foord-global-equity-australian-feeder-fund</loc>
  <lastmod>2026-03-10T14:55:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/investments/unit-trusts/foord-hassen-shariah-global-equity-fund</loc>
  <lastmod>2026-03-04T12:31:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/year-review-2017</loc>
  <lastmod>2022-11-11T11:59:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/year-review-2016</loc>
  <lastmod>2022-12-04T07:11:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/psychology-investing-0</loc>
  <lastmod>2019-05-30T10:42:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/fundamentally-flawed-investment-portfolios-0</loc>
  <lastmod>2022-12-05T16:42:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/tim-du-toit-interviews-star-fund-manager-0</loc>
  <lastmod>2022-12-05T15:56:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/managing-equity-risk-during-uncertain-times-0</loc>
  <lastmod>2022-11-11T12:25:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/algorithmic-trading-anti-investing-0</loc>
  <lastmod>2022-11-11T12:41:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-turns-30-0</loc>
  <lastmod>2019-05-30T10:46:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/how-not-panic-about-daily-market-fluctuations-0</loc>
  <lastmod>2022-11-11T11:33:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/stock-selection-key-future-investment-returns-0</loc>
  <lastmod>2020-07-28T16:37:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-establishes-its-singapore-operations</loc>
  <lastmod>2022-12-05T15:50:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/team-singapore</loc>
  <lastmod>2022-05-27T07:19:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/fiscal-cliff</loc>
  <lastmod>2021-04-19T11:08:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/angkor-wat-half-marathon-2012</loc>
  <lastmod>2019-05-30T10:47:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/when-good-news-bad-news</loc>
  <lastmod>2022-10-09T23:32:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/new-faces-foord-0</loc>
  <lastmod>2022-12-05T15:59:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/singapore-retail-licence</loc>
  <lastmod>2022-12-05T16:49:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-recognised-0</loc>
  <lastmod>2019-05-30T10:49:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/morningstar-win-0</loc>
  <lastmod>2022-12-05T16:13:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/fgef-celebrates-its-2nd-year-anniversary</loc>
  <lastmod>2019-05-30T10:52:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/newly-launched-funds-online-platform-foord-international-trust-fit</loc>
  <lastmod>2022-05-27T09:08:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/change-custodian-foord-global-equity-fund-singapore-fgef-s</loc>
  <lastmod>2022-12-05T15:46:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/consistency-key-investment-success-0</loc>
  <lastmod>2019-05-30T11:02:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/value-and-importance-co-investment-0</loc>
  <lastmod>2022-12-05T16:08:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-international-fund-0</loc>
  <lastmod>2022-05-27T09:02:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/understanding-investment-risk</loc>
  <lastmod>2022-12-05T16:44:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/chinese-stock-market-movements-explained</loc>
  <lastmod>2019-05-30T11:09:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-international-fund-now-recognised-foreign-scheme-sinagepore</loc>
  <lastmod>2020-07-28T16:32:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/all-investors-foord-international-trust</loc>
  <lastmod>2020-07-28T16:33:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/multiple-counsellor-changes-international-portfolios</loc>
  <lastmod>2020-07-28T16:34:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/tax-transparency-implications-investors</loc>
  <lastmod>2020-07-28T16:32:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/brexit-0</loc>
  <lastmod>2022-12-05T15:52:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/prospects-asian-financial-sector</loc>
  <lastmod>2019-05-30T11:18:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/brexit-implications</loc>
  <lastmod>2019-05-30T11:20:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/future-not-what-it-used-be</loc>
  <lastmod>2022-12-05T16:18:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/what-makes-quality-company</loc>
  <lastmod>2022-11-11T11:26:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/year-review-2</loc>
  <lastmod>2022-12-05T15:35:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/first-rule-investing-capital-preservation</loc>
  <lastmod>2022-11-11T12:23:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/consolidation-service-providers-foord-international-funds</loc>
  <lastmod>2022-12-05T15:42:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/year-ahead-0</loc>
  <lastmod>2022-12-05T15:41:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-international-trust-20-year-anniversary-0</loc>
  <lastmod>2020-07-28T16:28:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/tech-disruption</loc>
  <lastmod>2019-05-30T11:42:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/automatic-exchange-tax-information-update</loc>
  <lastmod>2020-07-28T16:25:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/consolidation-service-providers</loc>
  <lastmod>2020-07-28T16:36:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/rbc-migration-further-information-0</loc>
  <lastmod>2019-05-30T11:45:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/year-review-1</loc>
  <lastmod>2022-11-11T11:29:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell</loc>
  <lastmod>2022-12-05T15:27:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/did-you-know</loc>
  <lastmod>2022-12-05T15:18:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/protecting-against-risk-loss-late-stages-bull-market</loc>
  <lastmod>2020-07-28T16:26:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foundations-long-term-investment-growth</loc>
  <lastmod>2022-11-11T12:53:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/publications/teach-your-child-to-invest</loc>
  <lastmod>2024-02-27T17:55:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/more-enough</loc>
  <lastmod>2022-11-11T12:49:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/how-invest-children-your-life-0</loc>
  <lastmod>2022-12-05T15:44:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/trade-wars-there-are-no-winners-0</loc>
  <lastmod>2019-11-27T13:19:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-february-2020</loc>
  <lastmod>2022-11-11T12:04:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-covid-19-0</loc>
  <lastmod>2022-11-11T12:29:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/podcast-pin-popped-bubble</loc>
  <lastmod>2021-07-19T09:37:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/stretched-businesses-unlikely-survive-covid-19-without-government-aid</loc>
  <lastmod>2022-11-11T12:20:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/weathering-covid-19-market-rout-0</loc>
  <lastmod>2022-11-11T11:47:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/more-things-change-0</loc>
  <lastmod>2021-07-19T09:24:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/are-we-there-yet</loc>
  <lastmod>2021-07-19T09:25:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-august-2020</loc>
  <lastmod>2021-07-19T09:25:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-july-2020</loc>
  <lastmod>2022-12-05T16:32:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-june-2020</loc>
  <lastmod>2022-11-11T12:02:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-may-2020</loc>
  <lastmod>2020-08-27T12:03:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/investing-through-noise-0</loc>
  <lastmod>2021-07-19T09:24:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-september-2020</loc>
  <lastmod>2021-07-19T09:23:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-october-2020</loc>
  <lastmod>2021-07-19T09:19:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/us-election-2020-outcomes-and-implications-0</loc>
  <lastmod>2021-07-19T09:19:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/us-elections-2020-what-biden-win-means</loc>
  <lastmod>2021-01-13T15:24:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-november-2020</loc>
  <lastmod>2020-11-24T12:24:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-december-2020</loc>
  <lastmod>2022-11-11T12:51:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/rise-and-rise-foord-global-equity-fund</loc>
  <lastmod>2022-10-09T22:57:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/high-conviction-delivers-major-alpha-0</loc>
  <lastmod>2022-11-11T12:47:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/mice-global-market-temperature-gauge</loc>
  <lastmod>2021-04-16T09:25:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-january-2021</loc>
  <lastmod>2022-12-05T16:47:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-february-2021</loc>
  <lastmod>2021-03-09T11:11:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/finding-inflation-beating-returns-0</loc>
  <lastmod>2022-11-11T12:46:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-march-2021</loc>
  <lastmod>2021-04-14T13:03:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-april-2021</loc>
  <lastmod>2022-11-11T12:33:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-may-2021</loc>
  <lastmod>2021-06-09T09:41:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-international-fund-objective-and-benchmark</loc>
  <lastmod>2023-09-29T14:16:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-international-fund-track-record</loc>
  <lastmod>2023-09-29T14:16:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/what-does-value-mean-foord</loc>
  <lastmod>2023-09-29T14:21:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/what-makes-investment-strategy-sustainable</loc>
  <lastmod>2023-09-29T14:16:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/investment-insight-conversation-dave-foord-0</loc>
  <lastmod>2023-09-29T14:15:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-june-2021</loc>
  <lastmod>2022-12-05T15:38:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/global-bond-markets</loc>
  <lastmod>2023-09-29T14:15:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/how-covid-has-disrupted-earnings</loc>
  <lastmod>2023-09-29T14:15:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/disruption-opportunity</loc>
  <lastmod>2023-09-29T14:15:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/capital-misallocation-when-interest-rates-are-below-inflation</loc>
  <lastmod>2023-12-06T11:18:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/economic-wars-and-us-inflation-expectations</loc>
  <lastmod>2023-09-29T14:46:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/five-deflationary-forces</loc>
  <lastmod>2023-09-29T14:46:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/inflation-enemy-long-term-investors</loc>
  <lastmod>2023-09-29T14:46:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/crypto-no-gold</loc>
  <lastmod>2022-11-11T09:38:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-july-2021</loc>
  <lastmod>2021-08-06T10:06:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/foord-we-find-value</loc>
  <lastmod>2022-11-11T05:59:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-nutshell-august-2021</loc>
  <lastmod>2022-11-11T12:42:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-nutshell-september-2021</loc>
  <lastmod>2022-11-11T12:18:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/china-regulating-change</loc>
  <lastmod>2023-12-06T11:17:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/china-thesis</loc>
  <lastmod>2023-09-29T14:51:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-nutshell-october-2021</loc>
  <lastmod>2022-02-01T15:33:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/staying-course</loc>
  <lastmod>2022-12-05T16:12:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/case-commodities</loc>
  <lastmod>2023-09-29T14:48:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/forward-thinking-dr-parag-khanna</loc>
  <lastmod>2023-09-29T14:51:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/gold-cash-and-liquidity</loc>
  <lastmod>2023-09-29T14:51:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/commodity-theme</loc>
  <lastmod>2023-09-29T14:51:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-nutshell-november-2021</loc>
  <lastmod>2022-11-11T06:41:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-nutshell-december-2021</loc>
  <lastmod>2022-11-11T09:05:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foords-multiple-counsellor-system</loc>
  <lastmod>2023-09-29T14:51:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-investment-philosophy</loc>
  <lastmod>2023-09-29T14:52:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-investment-process</loc>
  <lastmod>2023-09-29T14:52:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-january-2022-0</loc>
  <lastmod>2022-12-05T16:16:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/esg-investing-and-reporting-standards</loc>
  <lastmod>2023-09-29T14:52:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/safety-first-face-russian-strikes-0</loc>
  <lastmod>2022-12-05T16:37:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-february-2022-0</loc>
  <lastmod>2022-03-07T13:18:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/bullish-healthcare</loc>
  <lastmod>2023-09-29T15:04:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/safety-first</loc>
  <lastmod>2023-09-29T14:52:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/will-china-hong-kong-dispute-derail-asian-story</loc>
  <lastmod>2023-09-29T14:52:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/what-are-risk-investing-asia</loc>
  <lastmod>2023-09-29T14:53:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/what-does-new-generation-asia-look</loc>
  <lastmod>2023-09-29T14:53:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/regulatory-change-china-technocratic-decision</loc>
  <lastmod>2023-09-29T14:53:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/what-technocratic-government</loc>
  <lastmod>2023-09-29T14:53:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/asia-decreasing-its-dependence-us-dollar</loc>
  <lastmod>2023-09-29T14:53:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/geopolitical-changes-asia</loc>
  <lastmod>2023-09-29T14:53:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/export-driving-investment-throughout-asia</loc>
  <lastmod>2023-09-29T14:53:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/there-4th-wave-asian-growth</loc>
  <lastmod>2023-09-29T14:53:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/there-common-asian-identity</loc>
  <lastmod>2023-09-29T14:53:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/asian-renaissance</loc>
  <lastmod>2023-09-29T15:00:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-march-2022-0</loc>
  <lastmod>2022-04-07T11:29:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/impact-russia-ukraine-war-commodity-markets</loc>
  <lastmod>2023-09-29T14:54:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-april-2022</loc>
  <lastmod>2022-12-05T15:37:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-international-fund-25-year-anniversary</loc>
  <lastmod>2023-09-29T15:09:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/managing-portfolios-time-inflation-acceleration</loc>
  <lastmod>2023-09-29T15:10:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/celebrating-10-years-singapore</loc>
  <lastmod>2023-09-29T15:10:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-global-equity-fund-q1-2022-commentary</loc>
  <lastmod>2023-09-29T15:10:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-asia-ex-japan-fund-q1-2022-commentary</loc>
  <lastmod>2023-09-29T15:11:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-international-fund-q1-2022-commentary</loc>
  <lastmod>2023-09-29T15:11:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-international-fund-fund-all-seasons</loc>
  <lastmod>2022-10-05T22:15:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/celebrating-ten-years-singapore</loc>
  <lastmod>2022-05-20T08:57:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-may-2022-0</loc>
  <lastmod>2022-10-09T23:22:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-june-2022-0</loc>
  <lastmod>2022-12-05T16:05:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-asia-ex-japan-fund</loc>
  <lastmod>2023-09-29T15:12:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-global-equity-fund-q2-2022-commentary</loc>
  <lastmod>2023-09-29T15:13:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-international-fund-q2-2022-commentary</loc>
  <lastmod>2023-09-29T15:13:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-asia-ex-japan-fund-q2-2022-commentary</loc>
  <lastmod>2023-09-29T15:13:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-july-2022</loc>
  <lastmod>2022-08-04T06:57:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foords-approach-portfolio-construction</loc>
  <lastmod>2023-09-29T15:13:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/macro-thoughts-and-positioning</loc>
  <lastmod>2023-09-29T15:13:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/asian-middle-class-consumer</loc>
  <lastmod>2023-09-29T15:14:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/why-esg-matters</loc>
  <lastmod>2023-09-29T15:14:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-august-2022</loc>
  <lastmod>2022-11-11T08:40:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-august-2022-2</loc>
  <lastmod>2022-09-07T12:04:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/opportunities-uncertainty-beyond-short-term-pain-current-regulatory-wave</loc>
  <lastmod>2022-11-11T11:00:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-september-2022</loc>
  <lastmod>2022-10-06T08:24:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/higher-longer-investing-era-structural-inflation</loc>
  <lastmod>2022-11-02T10:15:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-nutshell-september-2022-2</loc>
  <lastmod>2022-12-05T16:02:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/asian-renaissance-0</loc>
  <lastmod>2022-10-25T08:27:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-podcast-october-2022</loc>
  <lastmod>2022-11-03T12:45:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-october2022</loc>
  <lastmod>2022-12-05T16:39:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-asia-ex-japan-fund-q3-2022-commentary</loc>
  <lastmod>2023-09-29T15:14:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-global-equity-fund-q3-2022-commentary</loc>
  <lastmod>2023-09-29T15:15:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-international-fund-q3-2022-commentary</loc>
  <lastmod>2023-09-29T15:15:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/M.I.C.E-update</loc>
  <lastmod>2022-11-11T11:56:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/m.i.c.e-update1</loc>
  <lastmod>2023-09-29T15:15:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/how-to-think-about-risk-in-the-current-inflationary-environment1</loc>
  <lastmod>2023-09-29T15:16:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/we-would-rather-be-mostly-right-than-precisely-wrong-0</loc>
  <lastmod>2022-12-05T15:13:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcast/is-there-a-4th-wave-of-asian-growth-0</loc>
  <lastmod>2022-12-05T16:34:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos-and-podcasts/M.I.C.E-update-0</loc>
  <lastmod>2022-11-24T15:46:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/how-to-think-about-risk-in-the-current-inflationary-environment-podcast-0</loc>
  <lastmod>2022-11-29T08:33:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/markets-in-a-nutshell-global-podcast</loc>
  <lastmod>2022-12-07T16:08:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-in-a-nutshell-november-2022-0</loc>
  <lastmod>2022-12-09T15:29:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/five-economic-risks-heading-into-2023-0</loc>
  <lastmod>2022-12-14T08:23:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-december2022-0</loc>
  <lastmod>2023-01-10T17:45:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-in-a-nutshell-podcast-december2022-0</loc>
  <lastmod>2023-01-12T14:58:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/the-year-in-review-01</loc>
  <lastmod>2023-01-12T15:16:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/china-turning-a-corner-0</loc>
  <lastmod>2023-01-31T17:38:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/kick-starting-my-childs-financial-journey</loc>
  <lastmod>2023-01-18T18:55:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-international-fund-q4-2022-commentary</loc>
  <lastmod>2023-09-29T15:16:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-asia-ex-japan-fund-q4-2022-commentary</loc>
  <lastmod>2023-09-29T15:16:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-global-equity-australia-feeder-fund-q4-2022-commentary</loc>
  <lastmod>2023-09-29T15:16:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/foord-global-equity-fund-q4-2022-commentary</loc>
  <lastmod>2023-09-29T15:16:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/china-why-we-are-cautiously-optimistic</loc>
  <lastmod>2023-09-29T15:35:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/markets-in-a-nutshell-podcast-january2023-0</loc>
  <lastmod>2023-02-03T11:40:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/markets-in-a-nutshell-january2023-1</loc>
  <lastmod>2023-02-06T12:34:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/the-fed-vs-the-market-0</loc>
  <lastmod>2023-02-17T15:40:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/exploiting-the-disconnect-foords-china-experience-0</loc>
  <lastmod>2023-03-02T10:53:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-podcast-February-2023-0</loc>
  <lastmod>2023-03-03T11:38:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-february2023-0</loc>
  <lastmod>2023-03-09T10:53:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/4-economic-risks-for-2023-0</loc>
  <lastmod>2023-09-29T15:37:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/markets-in-a-nutshell-march2023-1</loc>
  <lastmod>2023-04-05T12:14:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/markets-in-a-nutshell-march-2023-0</loc>
  <lastmod>2023-04-06T08:31:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-international-fund-q1-2023-commentary</loc>
  <lastmod>2023-04-12T20:02:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-global-equity-fund-q1-2023-commentary</loc>
  <lastmod>2023-04-12T20:05:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-global-equity-australia-feeder-fund-q1-2023-commentary</loc>
  <lastmod>2023-04-12T20:08:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-asia-ex-japan-fund-q1-2023-commentary</loc>
  <lastmod>2023-04-12T20:11:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-april-2023-0</loc>
  <lastmod>2023-05-09T10:57:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/markets-in-a-nutshell-podcast-april-2023-1</loc>
  <lastmod>2023-05-11T16:40:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/3-key-components-to-assess-the-trajectory-of-us-inflation-0</loc>
  <lastmod>2023-09-29T15:38:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/market-nutshell-may-2023-0</loc>
  <lastmod>2023-06-06T15:22:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/foord-international-fund-awarded-best-fund-over-5-years-2023-refinitiv</loc>
  <lastmod>2023-06-20T15:45:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/markets-in-a-nutshell-podcast-may-0</loc>
  <lastmod>2023-12-06T11:21:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/3-key-components-to-assess-trajectory-of-us-inflation-p0</loc>
  <lastmod>2023-06-29T13:04:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/the-demise-of-the-dollar-p0</loc>
  <lastmod>2023-12-06T11:21:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/the-demise-of-the-dollar-0</loc>
  <lastmod>2023-12-06T11:15:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/markets-in-a-nutshell-podcast-0</loc>
  <lastmod>2023-12-06T11:20:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/foords-high-conviction-call-on-the-global-energy-transition</loc>
  <lastmod>2023-10-18T09:10:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/foords-high-conviction-call-on-the-global-energy-transition-0</loc>
  <lastmod>2023-07-05T13:35:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-june-2023-0</loc>
  <lastmod>2023-07-11T11:41:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-global-equity-feeder-fund-q2-2023-commentary</loc>
  <lastmod>2023-07-10T08:49:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-global-equity-fund-q2-2023-commentary</loc>
  <lastmod>2023-07-10T08:26:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-international-fund-q2-2023-commentary</loc>
  <lastmod>2023-07-10T08:25:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-asia-ex-japan-fund-q2-2023-commentary</loc>
  <lastmod>2023-07-10T08:32:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-hassen-shariah-equity-fund-q2-2023-commentary</loc>
  <lastmod>2023-07-10T08:36:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/vacation-lessons-navigating-my-childs-finances-while-holiday</loc>
  <lastmod>2023-07-13T16:27:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/markets-in-a-nutshell-podcast-july-2023-0</loc>
  <lastmod>2023-12-06T11:19:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-july-2023-0</loc>
  <lastmod>2023-12-06T11:20:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/threat-fiscal-dominance-us-and-implications-investors-0</loc>
  <lastmod>2023-09-05T14:31:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/markets-in-a-nutshell-podcast-august-2023-0</loc>
  <lastmod>2023-12-06T11:19:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-august-2023-0</loc>
  <lastmod>2023-12-06T11:18:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-asia-ex-japan-fund-q3-2023-commentary-podcast</loc>
  <lastmod>2023-10-06T14:42:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-hassen-shariah-equity-fund-q3-2023-commentary-podcast</loc>
  <lastmod>2023-10-06T14:40:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-global-equity-fund-q3-2023-commentary-podcast</loc>
  <lastmod>2023-10-06T14:42:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-international-fund-q3-2023-commentary-podcast</loc>
  <lastmod>2023-10-06T14:41:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-global-equity-australia-feeder-fund-q3-2023-commentary-podcast</loc>
  <lastmod>2023-10-06T14:40:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-september-2023-0</loc>
  <lastmod>2023-10-09T09:50:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-podcast-september-2023-0</loc>
  <lastmod>2023-10-09T11:09:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/will-the-dollar-remain-the-global-reserve-currency</loc>
  <lastmod>2023-10-31T08:33:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/the-foord-asia-ex-japan-fund-explained</loc>
  <lastmod>2023-11-17T06:34:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/thematic-investing-navigating-the-investment-landscape</loc>
  <lastmod>2023-10-19T07:58:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/quarterly-conversations-q3-2023-m.i.c.e-update</loc>
  <lastmod>2024-04-05T13:59:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/foord-international-fund-a%20fund%20for%20all%20seasons</loc>
  <lastmod>2023-11-06T17:20:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/podcasts/markets-in-a-nutshell-october-2023</loc>
  <lastmod>2023-12-06T11:13:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-october-2023</loc>
  <lastmod>2023-11-08T14:09:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/artificial-intelligence-opportunities-hype-cycles-and-how-foord-finds-value</loc>
  <lastmod>2023-12-06T11:13:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos-and-podcasts/why-esg-has-always-been-part-of-the-investment-process-at-foord</loc>
  <lastmod>2023-12-07T07:37:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/podcast/markets-in-a-nutshell-podcast-for-november-2023</loc>
  <lastmod>2023-12-07T11:41:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-november-2023-0</loc>
  <lastmod>2023-12-08T10:29:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos/how-esg-is-changing-the-investment-landscape</loc>
  <lastmod>2023-12-12T16:58:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos/why-foord-is-benchmark-agnostic</loc>
  <lastmod>2024-02-11T10:39:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos/foord-asia-ex-japan-fund-a-matrix-of-exciting-investment-opportunities</loc>
  <lastmod>2024-01-09T12:18:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/videos/the-energy-transition-opportunities-for-astute-investors</loc>
  <lastmod>2024-01-12T08:52:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-podcast-for-december-2023</loc>
  <lastmod>2024-01-09T10:22:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-december-2023-0</loc>
  <lastmod>2024-01-09T15:41:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/year-in-review</loc>
  <lastmod>2024-01-19T12:31:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/the-delivering-safe-investment-returns-in-2024</loc>
  <lastmod>2024-01-19T12:29:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/the-tech-titans-in-focus-contrasting-the-us-and-chinese-tech-markets</loc>
  <lastmod>2024-01-19T12:28:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos/geopolitical-dynamics-the-west-versus-the-rest</loc>
  <lastmod>2024-01-25T15:27:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/foord-hassen-shariah-equity-fund-q4-2023-commentary</loc>
  <lastmod>2024-02-11T10:51:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/quarterly-conversations-q4-23-foord-global-equity-fund</loc>
  <lastmod>2024-02-06T08:47:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-podcast-for-january-2024</loc>
  <lastmod>2024-02-06T11:15:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-january-2024-0</loc>
  <lastmod>2024-02-06T11:14:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/quarterly-conversations-q4-2023-foord-asia-ex-japan-fund</loc>
  <lastmod>2024-04-05T13:58:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/quarterly-conversations-q4-2023-foord-international-fund</loc>
  <lastmod>2024-04-05T13:57:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-february-2024</loc>
  <lastmod>2024-03-06T08:37:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-february-2024-0</loc>
  <lastmod>2024-03-06T16:11:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/investing-in-china-risks-and-oportunities</loc>
  <lastmod>2024-04-04T14:27:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcast/markets-in-a-nutshell-for-march-2024</loc>
  <lastmod>2024-04-05T07:06:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-march-2024</loc>
  <lastmod>2024-04-08T10:08:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/performance-review-light-end-tunnel</loc>
  <lastmod>2024-04-10T11:41:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-podcast-for-april-2024</loc>
  <lastmod>2024-05-06T08:10:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-april-2024-0</loc>
  <lastmod>2024-05-07T14:10:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/pocasts/quarterly-conversations-q1-2024-foord-global-equity-fund</loc>
  <lastmod>2024-05-08T15:15:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/quarterly-conversations-q1-2024-foord-hassen-shariah-equity-fund</loc>
  <lastmod>2024-05-08T15:06:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/in-conversation-with-dave-foord</loc>
  <lastmod>2024-06-12T08:25:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-may-2024</loc>
  <lastmod>2024-06-06T08:36:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-may-2024-2</loc>
  <lastmod>2024-06-11T08:33:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/ways-the-world-is-getting-better</loc>
  <lastmod>2024-07-02T11:18:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-june-2024-0</loc>
  <lastmod>2024-07-08T10:08:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-june-2024</loc>
  <lastmod>2024-07-09T12:00:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/greenlight-for-the-foord-international-fund</loc>
  <lastmod>2024-08-02T08:34:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-july-2024</loc>
  <lastmod>2024-08-06T10:51:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-july-2024-0</loc>
  <lastmod>2024-08-07T08:36:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/beyond-the-great-firewall-of-china-an-investment-immersion</loc>
  <lastmod>2024-08-27T06:51:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-august-2024</loc>
  <lastmod>2024-09-12T06:49:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-august-2024-0</loc>
  <lastmod>2024-09-05T12:29:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/understanding-the-yen-carry-trade-and-how-it-caused-such-a-fuss</loc>
  <lastmod>2024-09-12T15:29:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/whats-shaping-global-economies-and-markets</loc>
  <lastmod>2025-06-09T12:09:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-september-2024</loc>
  <lastmod>2025-06-09T12:22:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-september-2024-0</loc>
  <lastmod>2024-10-04T12:41:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/the-us-presidential-election-what-investors-need-to-know</loc>
  <lastmod>2024-10-16T09:14:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-podcast-october-2024</loc>
  <lastmod>2025-06-09T12:08:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-october-2024-0</loc>
  <lastmod>2024-11-07T13:24:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-november-2024-0</loc>
  <lastmod>2024-12-05T16:17:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-november-2024</loc>
  <lastmod>2025-06-09T12:06:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-december-2024</loc>
  <lastmod>2025-06-09T12:06:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-december-2024-0</loc>
  <lastmod>2025-01-14T11:54:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/trump-trade-what-the-second-trump-presidency-could-mean-for-markets</loc>
  <lastmod>2025-01-17T11:52:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/update-on-the-multiple-councellor-manager-mix-for-2025</loc>
  <lastmod>2025-01-20T13:43:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-january-2025-0</loc>
  <lastmod>2025-02-11T12:17:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-january-2025-podcast</loc>
  <lastmod>2025-06-09T12:22:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-february-2025</loc>
  <lastmod>2025-06-09T12:08:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-february-2025-0</loc>
  <lastmod>2025-03-06T11:13:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-march-2025</loc>
  <lastmod>2025-06-09T12:07:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-march-2025-0</loc>
  <lastmod>2025-04-10T07:29:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/americas-future-lies-in-innovation-not-factories</loc>
  <lastmod>2025-06-09T12:25:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/china-tailwinds-persist-despite-trade-turbulence</loc>
  <lastmod>2025-06-09T12:24:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/navigating-global-markets-with-shariah-compliant-equities</loc>
  <lastmod>2025-04-25T16:35:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-april-2025</loc>
  <lastmod>2025-05-08T08:54:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-podcast-for-april-2025</loc>
  <lastmod>2025-06-09T11:29:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/from-underdog-to-innovator-chinas-high-tech-ascent-amid-trade-tensions</loc>
  <lastmod>2026-02-01T21:41:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-may-2025-0</loc>
  <lastmod>2025-06-05T12:55:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-may-2025</loc>
  <lastmod>2026-02-01T22:30:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-june-2025-01</loc>
  <lastmod>2025-07-07T07:08:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/building-future-proof-portfolios-investing-in-long-term-innovation</loc>
  <lastmod>2026-02-01T22:34:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-june-2025</loc>
  <lastmod>2026-02-01T22:35:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-july-2025-0</loc>
  <lastmod>2025-08-05T17:42:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-july-2025</loc>
  <lastmod>2026-02-01T22:32:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-august-2025-0</loc>
  <lastmod>2026-02-01T22:31:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-podcast-for-august-2025</loc>
  <lastmod>2026-02-01T22:59:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-september-2025-0</loc>
  <lastmod>2026-02-01T23:03:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-september-2025</loc>
  <lastmod>2026-02-01T23:03:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/chinas-next-act</loc>
  <lastmod>2025-10-23T11:01:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/the-ai-revolution-learning-from-past-bubbles</loc>
  <lastmod>2025-10-23T11:03:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/five-myths-about-china-investors-need-to-rethink</loc>
  <lastmod>2025-10-30T10:19:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/retirement-reimagined</loc>
  <lastmod>2025-10-31T16:25:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-october-2025-0</loc>
  <lastmod>2025-11-04T13:45:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-for-october-2025</loc>
  <lastmod>2026-02-01T19:21:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/dave_foord_on_politics_debt_and_the_future_of_markets</loc>
  <lastmod>2026-02-01T21:32:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-november-2025-0</loc>
  <lastmod>2026-02-01T19:26:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-december-2025-0</loc>
  <lastmod>2026-01-08T14:56:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-podcast-for-november-2025</loc>
  <lastmod>2026-02-01T19:52:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/podcasts/markets-in-a-nutshell-podcast-for-december-2025</loc>
  <lastmod>2026-02-01T20:00:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-january-2026-0</loc>
  <lastmod>2026-02-04T23:42:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/markets-nutshell-january-2026</loc>
  <lastmod>2026-02-05T15:50:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/wei-lu-tan-appointed-ceo-foord-singapore</loc>
  <lastmod>2026-02-10T08:59:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/markets-in-a-nutshell-for-february-2026-0</loc>
  <lastmod>2026-03-04T13:40:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/you-cant-predict-markets-you-can-prepare-them</loc>
  <lastmod>2026-03-10T08:11:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights-and-commentary/thats-just-nuts-foords-latest-childrens-book</loc>
  <lastmod>2026-03-10T14:40:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/home-international</loc>
  <lastmod>2025-12-02T11:01:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/about-foord/directorate-and-team</loc>
  <lastmod>2023-03-23T13:38:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/investments/fund-prices</loc>
  <lastmod>2025-09-12T10:24:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/about-foord/global-funds</loc>
  <lastmod>2025-07-07T16:07:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/contact-us</loc>
  <lastmod>2025-06-02T14:59:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/404</loc>
  <lastmod>2020-12-29T09:47:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/about-foord-international</loc>
  <lastmod>2022-10-26T07:44:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/investments/transaction-forms</loc>
  <lastmod>2024-08-14T20:18:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/about-foord/careers</loc>
  <lastmod>2023-05-31T12:58:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/global-forms-and-documents</loc>
  <lastmod>2026-03-30T21:13:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/fund-prices-global</loc>
  <lastmod>2022-12-05T15:23:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/about-foord/investment-approach</loc>
  <lastmod>2023-08-31T10:47:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights</loc>
  <lastmod>2025-06-09T11:10:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/sitemap</loc>
  <lastmod>2024-08-14T20:27:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/podcasts</loc>
  <lastmod>2026-02-01T21:49:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/about-foord/community-investments-0</loc>
  <lastmod>2024-08-14T21:35:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/investment-newsletter-foreword</loc>
  <lastmod>2022-05-04T08:23:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/sustainable-investing-international</loc>
  <lastmod>2024-08-14T20:17:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/teach-your-child-invest-0</loc>
  <lastmod>2026-01-09T11:10:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/publications</loc>
  <lastmod>2026-01-12T22:28:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/newsletter</loc>
  <lastmod>2026-02-01T21:47:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/australia</loc>
  <lastmod>2024-08-14T20:54:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/insights/videos</loc>
  <lastmod>2026-02-01T21:50:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/sustainable-investing-international/foord-international-fund</loc>
  <lastmod>2024-06-04T16:12:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/node/6</loc>
  <lastmod>2025-04-14T14:50:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/node/19</loc>
  <lastmod>2020-12-04T15:45:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/node/32</loc>
  <lastmod>2025-04-14T14:36:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/dave-foord</loc>
  <lastmod>2023-01-25T10:14:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/nick-balkin</loc>
  <lastmod>2023-01-25T08:58:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/brian-arcese</loc>
  <lastmod>2025-04-25T11:58:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/ishreth-hassen</loc>
  <lastmod>2022-01-14T13:09:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/jing-cong-jc-xue</loc>
  <lastmod>2022-01-14T13:10:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/paul-cluer</loc>
  <lastmod>2021-12-01T13:32:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/grace-ruddy</loc>
  <lastmod>2020-08-20T09:32:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/node/218</loc>
  <lastmod>2020-02-13T07:30:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/daniel-phua</loc>
  <lastmod>2023-03-29T13:29:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/stuart-wilson</loc>
  <lastmod>2023-05-04T15:00:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/jingzhe-ang</loc>
  <lastmod>2023-08-11T07:44:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/dalphin-hou</loc>
  <lastmod>2024-08-21T07:07:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/wei-lu-tan</loc>
  <lastmod>2026-01-19T09:00:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/team/li-ching-khoo</loc>
  <lastmod>2025-07-31T14:38:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/did-you-know-emerging-markets</loc>
  <lastmod>2022-05-24T09:47:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/global-markets-temperature-gauge</loc>
  <lastmod>2022-12-05T15:48:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/emerging-markets-emerging-turmoil</loc>
  <lastmod>2022-11-11T12:31:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/forward-pricing-what-does-it-mean</loc>
  <lastmod>2022-07-28T15:47:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/foord-brief</loc>
  <lastmod>2022-11-11T12:13:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/markets-nutshell</loc>
  <lastmod>2023-01-04T02:17:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/terms-conditions</loc>
  <lastmod>2024-10-09T10:25:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/email-notice</loc>
  <lastmod>2022-03-16T15:30:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.com/legal-information</loc>
  <lastmod>2021-07-19T09:00:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-flexible-fund-funds</loc>
  <lastmod>2026-03-04T12:24:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord/global-funds/foord-international-fund</loc>
  <lastmod>2026-03-04T12:32:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-international-feeder-fund</loc>
  <lastmod>2026-03-04T12:26:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-balanced-fund</loc>
  <lastmod>2026-03-04T12:25:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-conservative-fund</loc>
  <lastmod>2026-03-04T12:25:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-equity-fund</loc>
  <lastmod>2026-03-04T12:26:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/global-funds/foord-global-equity-fund</loc>
  <lastmod>2026-03-18T20:34:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-global-equity-feeder-fund</loc>
  <lastmod>2026-03-04T12:27:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/global-funds/foord-international-trust</loc>
  <lastmod>2026-03-04T12:33:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord/global-funds/foord-global-equity-fund-luxembourg</loc>
  <lastmod>2026-03-04T12:31:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-asia-ex-japan-fund</loc>
  <lastmod>2026-03-04T12:33:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-global-equity-australian-feeder-fund</loc>
  <lastmod>2026-03-10T14:55:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-bond-fund</loc>
  <lastmod>2026-03-12T14:21:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-flex-income-fund</loc>
  <lastmod>2026-03-04T14:44:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-income-fund</loc>
  <lastmod>2026-03-04T14:45:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts/foord-hassen-shariah-global-equity-fund</loc>
  <lastmod>2026-03-04T12:31:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/year-review-2017</loc>
  <lastmod>2022-11-11T11:59:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/psychology-investing</loc>
  <lastmod>2020-06-15T16:10:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/international-investing-making-it-through-ware-zone-and-why-local-can-be</loc>
  <lastmod>2020-06-15T15:53:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/fundamentally-flawed-investment-portfolios</loc>
  <lastmod>2020-02-18T10:37:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-balanced-fund-placed-1st-over-5-years</loc>
  <lastmod>2021-04-07T11:00:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/multiple-counsellor-system-introduced-foord-equity-fund</loc>
  <lastmod>2020-06-15T16:05:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/retirement-annuities-iceman-cometh</loc>
  <lastmod>2020-06-15T16:13:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/tim-du-toit-interviews-star-fund-manager</loc>
  <lastmod>2020-06-15T16:44:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/managing-equity-risk-during-uncertain-times</loc>
  <lastmod>2020-06-15T16:00:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/private-client-investing-one-size-does-not-fit-all</loc>
  <lastmod>2020-06-15T16:09:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/wealth-preservation-beating-evils-inflation</loc>
  <lastmod>2020-06-15T16:57:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/algorithmic-trading-anti-investing</loc>
  <lastmod>2020-06-15T10:38:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/top-general-equity-unit-trust-2020-credit-given-multi-counsellor-approach</loc>
  <lastmod>2020-06-15T16:45:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-asset-management-new-board-appointments</loc>
  <lastmod>2020-06-15T11:53:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/skills-shortage-sa-financial-sector-being-addressed-grass-roots</loc>
  <lastmod>2020-06-15T16:17:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-turns-30</loc>
  <lastmod>2020-06-15T15:47:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/christmas-bonus-dont-blow-it-grow-it</loc>
  <lastmod>2020-06-15T10:45:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/unit-trusts-new-must-have-any-wedding-registry</loc>
  <lastmod>2020-06-15T16:51:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/retirement-annuities-not-tax-haven-some-may-think</loc>
  <lastmod>2020-06-15T16:13:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/how-not-panic-about-daily-market-fluctuations</loc>
  <lastmod>2020-06-15T15:52:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/stock-selection-key-future-investment-returns</loc>
  <lastmod>2020-06-15T16:18:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/save-regularly-dont-fear-lump-sum-investment</loc>
  <lastmod>2020-06-15T16:14:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-equity-fund-takes-performance-spotlight</loc>
  <lastmod>2020-06-15T11:55:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/setting-shop-singapore</loc>
  <lastmod>2020-02-18T10:29:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/are-you-addicted-risk-aversion</loc>
  <lastmod>2020-06-15T10:39:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/decade-consistent-top-ranking-unit-trust-returns</loc>
  <lastmod>2020-06-15T10:53:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/big-bhp-billiton</loc>
  <lastmod>2020-06-15T10:43:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/january-effect</loc>
  <lastmod>2020-06-15T15:57:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/sabmiller-well-drink</loc>
  <lastmod>2020-06-15T16:14:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/problem-risk</loc>
  <lastmod>2020-06-15T16:10:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/flexible-fund-turns-five</loc>
  <lastmod>2020-06-15T11:51:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/new-faces-foord</loc>
  <lastmod>2022-05-24T08:51:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-appoints-deputy-cio</loc>
  <lastmod>2020-06-15T11:52:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/investing-offshore</loc>
  <lastmod>2020-06-15T15:55:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-recognised</loc>
  <lastmod>2020-06-15T15:46:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/raging-bull-win</loc>
  <lastmod>2020-06-15T16:11:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/morningstar-win-2014</loc>
  <lastmod>2020-03-19T16:26:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/requiem-dream</loc>
  <lastmod>2020-06-15T16:12:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/fund-all-seasons</loc>
  <lastmod>2020-06-15T15:48:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/fgef-feeder-launched</loc>
  <lastmod>2022-05-24T09:15:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/zero-exposure-african-bank</loc>
  <lastmod>2020-06-17T08:14:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/milestones</loc>
  <lastmod>2020-06-15T16:00:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foords-position-ppc</loc>
  <lastmod>2020-06-15T15:47:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/causes-market-volatility</loc>
  <lastmod>2020-06-15T10:44:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/consistency-key-investment-success</loc>
  <lastmod>2020-06-15T10:48:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/value-and-importance-co-investment</loc>
  <lastmod>2022-12-04T07:16:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/tax-free-savings-accounts</loc>
  <lastmod>2020-02-18T10:20:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/morningstar-win</loc>
  <lastmod>2020-06-15T16:04:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/tax-free-accounts-available</loc>
  <lastmod>2020-06-15T16:40:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-international-fund</loc>
  <lastmod>2020-06-15T11:55:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/consistent-top-ranking-returns</loc>
  <lastmod>2020-06-15T10:50:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/good-governance</loc>
  <lastmod>2020-06-15T15:48:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/crystal-ball-investing</loc>
  <lastmod>2020-06-15T10:51:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/now-tax-free-foord-flexible-fund</loc>
  <lastmod>2020-02-18T10:17:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/sweet-performance-sas-top-general-equity-funds</loc>
  <lastmod>2020-06-15T16:19:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/dont-chop-and-change</loc>
  <lastmod>2020-06-15T10:54:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/congratulations-leap-school-matric-class-2015</loc>
  <lastmod>2020-06-15T10:46:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/check-mate</loc>
  <lastmod>2022-12-04T07:01:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/feeder-funds-capped</loc>
  <lastmod>2022-11-11T08:39:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/morningstar-award</loc>
  <lastmod>2020-06-15T16:02:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/brexit</loc>
  <lastmod>2020-06-15T10:44:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-edges-allan-gray-truffle-latest-ranking-sa-top-active-managers</loc>
  <lastmod>2022-11-11T05:56:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/how-many-local-equity-funds-have-consistently-beaten-index-fund</loc>
  <lastmod>2022-12-04T06:56:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/year-ahead</loc>
  <lastmod>2020-06-17T08:08:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/first-and-foremost-rule-investing-capital-preservation</loc>
  <lastmod>2020-06-15T10:57:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/morningstar-award-4th-year-row</loc>
  <lastmod>2022-12-04T07:33:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-international-trust-20-year-anniversary</loc>
  <lastmod>2020-06-15T15:46:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/consolidation-offshore-service-providers</loc>
  <lastmod>2022-11-11T08:33:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/rbc-migration-further-information</loc>
  <lastmod>2023-01-07T13:00:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/long-term-view-rand</loc>
  <lastmod>2020-06-15T15:59:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/steinhoff-allocation-foord-investor-portfolios</loc>
  <lastmod>2022-12-04T07:10:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/portfolio-management-team-update</loc>
  <lastmod>2020-06-15T16:08:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/dave-foord-presentation</loc>
  <lastmod>2022-05-24T08:53:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/fifa-world-cup-musings</loc>
  <lastmod>2022-11-11T09:02:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/stay-board-through-market-cycles</loc>
  <lastmod>2020-06-15T16:17:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/emerging-markets-emerging-turmoil</loc>
  <lastmod>2022-11-11T08:59:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/year-review</loc>
  <lastmod>2022-11-11T06:57:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/bears-are-door-and-why-we-should-embrace-bear-markets</loc>
  <lastmod>2020-06-15T10:43:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/year-review-2016</loc>
  <lastmod>2022-12-04T07:11:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-53-1st-quarter-2020</loc>
  <lastmod>2022-02-01T16:01:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/demographics-destiny</loc>
  <lastmod>2020-06-15T10:53:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/unfolding-environment</loc>
  <lastmod>2020-06-15T16:47:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/trade-wars-there-are-no-winners</loc>
  <lastmod>2020-06-15T16:46:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/now-dust-has-settled</loc>
  <lastmod>2020-06-15T16:07:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/what-you-need-know-about-third-party-payments</loc>
  <lastmod>2020-06-15T16:58:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/its-time-market-counts</loc>
  <lastmod>2020-06-17T08:25:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/preserving-investor-capital-foord-way</loc>
  <lastmod>2020-06-15T16:09:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/simple-not-easy</loc>
  <lastmod>2020-06-15T16:15:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/how-invest-children-your-life</loc>
  <lastmod>2022-11-11T07:02:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/more-than-enough</loc>
  <lastmod>2020-06-15T16:01:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/year-review-2019</loc>
  <lastmod>2020-03-19T16:33:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/setting-smart-financial-goals-new-decade</loc>
  <lastmod>2020-03-19T16:29:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-covid-19</loc>
  <lastmod>2023-01-04T03:07:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/current-market-volatility-and-implications-foord-investors</loc>
  <lastmod>2021-07-19T08:32:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/weathering-covid-19-market-rout</loc>
  <lastmod>2021-07-19T08:38:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/podcasts/pin-popped-bubble</loc>
  <lastmod>2021-07-19T08:49:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/saa-strikes-and-looming-junk-status-why-it-may-not-be-bad-it-sounds</loc>
  <lastmod>2022-12-03T17:04:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/south-east-asia-next-investment-frontier</loc>
  <lastmod>2020-04-24T15:45:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/evolving-politics-oil</loc>
  <lastmod>2021-07-19T08:32:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-54-2nd-quarter-2020</loc>
  <lastmod>2022-02-01T16:01:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/investing-through-noise</loc>
  <lastmod>2022-11-11T09:08:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/podcasts/massive-impact-oil-and-gas-have-investors</loc>
  <lastmod>2020-08-13T08:11:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/more-things-change-1</loc>
  <lastmod>2021-07-19T08:36:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/investment-insight-conversation-dave-foord</loc>
  <lastmod>2021-07-19T08:33:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-55-3rd-quarter-2020</loc>
  <lastmod>2022-02-01T16:00:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/room-foord</loc>
  <lastmod>2020-10-29T15:32:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/recipe-dealing-rand-stress</loc>
  <lastmod>2021-07-19T08:04:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/us-election-2020-outcomes-and-implications</loc>
  <lastmod>2020-11-02T10:07:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/us-elections-2020-what-biden-win-means-south-africa</loc>
  <lastmod>2022-12-04T07:31:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/inflation-biggest-destroyer-capital</loc>
  <lastmod>2021-07-19T08:07:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-global-funds-boost-sa-performance</loc>
  <lastmod>2020-12-10T14:51:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/year-review-0</loc>
  <lastmod>2022-12-04T06:48:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-56-4th-quarter-2020</loc>
  <lastmod>2022-02-01T16:00:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/cupboard-now-bare</loc>
  <lastmod>2021-04-14T09:17:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/investment-insight-outlook-year-ahead</loc>
  <lastmod>2021-01-28T11:51:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/high-conviction-delivers-major-alpha</loc>
  <lastmod>2022-12-04T06:59:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/mice-global-market-temperature-gauge</loc>
  <lastmod>2021-04-16T09:25:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/finding-inflation-beating-returns</loc>
  <lastmod>2021-04-12T11:51:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-57-1st-quarter-2021</loc>
  <lastmod>2022-02-01T15:59:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/quo-vadis-cleantech-investors</loc>
  <lastmod>2021-04-19T15:50:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/are-we-commodities-super-cycle</loc>
  <lastmod>2021-05-07T15:22:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-35-3rd-quarter-2015</loc>
  <lastmod>2021-05-19T09:47:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-36-4th-quarter-2015</loc>
  <lastmod>2021-05-19T09:47:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-37-1st-quarter-2016</loc>
  <lastmod>2021-05-19T09:47:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-38-2nd-quarter-2016</loc>
  <lastmod>2021-05-19T09:47:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-39-3rd-quarter-2016</loc>
  <lastmod>2021-05-19T09:47:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-40-4th-quarter-2016</loc>
  <lastmod>2021-05-19T09:46:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-41-1st-quarter-2017</loc>
  <lastmod>2021-05-19T09:46:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-42-2nd-quarter-2017</loc>
  <lastmod>2021-05-19T09:46:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-43-3rd-quarter-2017</loc>
  <lastmod>2021-05-19T09:46:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-44-4th-quarter-2017</loc>
  <lastmod>2021-05-19T09:46:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-45-1st-quarter-2018</loc>
  <lastmod>2021-05-19T09:45:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-46-2nd-quarter-2018</loc>
  <lastmod>2021-05-19T09:45:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-47-3rd-quarter-2018</loc>
  <lastmod>2021-05-19T09:45:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-48-4th-quarter-2018-0</loc>
  <lastmod>2021-05-19T09:45:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-49-1st-quarter-2019</loc>
  <lastmod>2021-05-19T09:45:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-50-2nd-quarter-2019</loc>
  <lastmod>2021-05-19T09:44:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-51-3rd-quarter-2019</loc>
  <lastmod>2021-05-19T09:44:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-52-4th-quarter-2019-0</loc>
  <lastmod>2021-05-19T09:44:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-international-fund-objective-and-benchmark</loc>
  <lastmod>2023-09-29T14:16:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-international-fund-track-record</loc>
  <lastmod>2023-09-29T14:16:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/what-does-value-mean-foord</loc>
  <lastmod>2023-09-29T14:21:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/what-makes-investment-strategy-sustainable</loc>
  <lastmod>2023-09-29T14:16:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/investment-insight-conversation-dave-foord-0</loc>
  <lastmod>2023-09-29T14:15:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-58-2nd-quarter-2021</loc>
  <lastmod>2022-02-01T15:58:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/global-bond-markets</loc>
  <lastmod>2023-09-29T14:15:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/how-covid-has-disrupted-earnings</loc>
  <lastmod>2023-09-29T14:15:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/disruption-opportunity</loc>
  <lastmod>2023-09-29T14:15:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/capital-misallocation-when-interest-rates-are-below-inflation</loc>
  <lastmod>2023-12-06T11:18:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/economic-wars-and-us-inflation-expectations</loc>
  <lastmod>2023-09-29T14:46:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/five-deflationary-forces</loc>
  <lastmod>2023-09-29T14:46:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/inflation-enemy-long-term-investors</loc>
  <lastmod>2023-09-29T14:46:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/sustainable-investing-weve-been-having-it</loc>
  <lastmod>2021-07-16T14:25:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/crypto-no-gold</loc>
  <lastmod>2022-11-11T09:38:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/foord-we-find-value</loc>
  <lastmod>2022-11-11T05:59:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-nutshell-august-2021</loc>
  <lastmod>2022-11-11T12:42:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/matter-time</loc>
  <lastmod>2022-12-03T23:30:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-nutshell-september-2021</loc>
  <lastmod>2022-11-11T12:18:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/foord-turns-40</loc>
  <lastmod>2022-11-11T00:07:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-59-3rd-quarter-2021</loc>
  <lastmod>2022-02-01T15:58:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/china-regulating-change</loc>
  <lastmod>2023-12-06T11:17:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/celebrating-40-years-investment-stewardship</loc>
  <lastmod>2023-09-29T14:54:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/china-thesis</loc>
  <lastmod>2023-09-29T14:51:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-nutshell-october-2021</loc>
  <lastmod>2022-02-01T15:33:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/staying-course</loc>
  <lastmod>2022-12-05T16:12:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/case-commodities</loc>
  <lastmod>2023-09-29T14:48:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/forward-thinking-dr-parag-khanna</loc>
  <lastmod>2023-09-29T14:51:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/gold-cash-and-liquidity</loc>
  <lastmod>2023-09-29T14:51:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/commodity-theme</loc>
  <lastmod>2023-09-29T14:51:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-nutshell-november-2021</loc>
  <lastmod>2022-11-11T06:41:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/small-and-mid-caps-big-opportunities</loc>
  <lastmod>2022-12-04T07:05:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-nutshell-december-2021</loc>
  <lastmod>2022-11-11T09:05:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-60-4th-quarter-2021</loc>
  <lastmod>2022-02-01T15:57:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foords-multiple-counsellor-system</loc>
  <lastmod>2023-09-29T14:51:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/year-review-and-whats-store</loc>
  <lastmod>2022-02-01T15:26:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-investment-philosophy</loc>
  <lastmod>2023-09-29T14:52:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-investment-process</loc>
  <lastmod>2023-09-29T14:52:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-january-2022</loc>
  <lastmod>2022-11-11T09:13:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/safety-first</loc>
  <lastmod>2022-12-04T07:21:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/esg-investing-and-reporting-standards</loc>
  <lastmod>2023-09-29T14:52:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/hospital-stocks-mend</loc>
  <lastmod>2022-02-23T11:02:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/newdigate-insights-conversation-dave-foord-part-2</loc>
  <lastmod>2023-09-29T14:52:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/newdigate-insights-conversation-dave-foord-part-1</loc>
  <lastmod>2023-09-29T14:52:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/safety-first-face-russian-strikes</loc>
  <lastmod>2022-02-25T13:49:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-february-2022</loc>
  <lastmod>2022-11-11T05:52:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/good-prognosis-hospital-stocks</loc>
  <lastmod>2023-09-29T14:52:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/investment-returns-sluggish-growth-markets</loc>
  <lastmod>2023-09-29T14:52:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/inflation-no-fairy-tale-endings</loc>
  <lastmod>2023-12-06T11:15:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/inflation-inflection</loc>
  <lastmod>2023-09-29T15:04:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/conversation-dave-foord-be-fearful-when-others-are-greedy-and-greedy-when</loc>
  <lastmod>2023-09-29T14:52:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/conversation-dave-foord</loc>
  <lastmod>2023-09-29T15:31:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/will-china-hong-kong-dispute-derail-asian-story</loc>
  <lastmod>2023-09-29T14:52:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/what-are-risk-investing-asia</loc>
  <lastmod>2023-09-29T14:53:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/what-does-new-generation-asia-look</loc>
  <lastmod>2023-09-29T14:53:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/regulatory-change-china-technocratic-decision</loc>
  <lastmod>2023-09-29T14:53:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/what-technocratic-government</loc>
  <lastmod>2023-09-29T14:53:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/asia-decreasing-its-dependence-us-dollar</loc>
  <lastmod>2023-09-29T14:53:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/geopolitical-changes-asia</loc>
  <lastmod>2023-09-29T14:53:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/export-driving-investment-throughout-asia</loc>
  <lastmod>2023-09-29T14:53:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/there-4th-wave-asian-growth</loc>
  <lastmod>2023-09-29T14:53:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/there-common-asian-identity</loc>
  <lastmod>2023-09-29T14:53:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/asian-renaissance</loc>
  <lastmod>2023-09-29T15:00:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-march-2022</loc>
  <lastmod>2022-04-07T11:25:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/impact-russia-ukraine-war-commodity-markets</loc>
  <lastmod>2023-09-29T14:54:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022</loc>
  <lastmod>2022-04-26T18:15:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/inflation-genie</loc>
  <lastmod>2022-12-04T07:08:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-april-2022-0</loc>
  <lastmod>2022-05-12T14:31:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/economic-effects-war</loc>
  <lastmod>2022-10-05T22:23:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-international-fund-25-year-anniversary</loc>
  <lastmod>2023-09-29T15:09:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/managing-portfolios-time-inflation-acceleration</loc>
  <lastmod>2023-09-29T15:10:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/celebrating-10-years-singapore</loc>
  <lastmod>2023-09-29T15:10:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-international-fund-fund-all-seasons</loc>
  <lastmod>2022-10-05T22:15:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/harnessing-power-patience-and-flexibility-investing</loc>
  <lastmod>2023-09-29T15:11:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/conflict-ukraine-commodities-and-what-means-south-african-investors</loc>
  <lastmod>2023-09-29T15:11:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/small-and-mid-caps-runway-growth</loc>
  <lastmod>2023-09-29T15:12:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/what-are-respective-mandates-foord-flexible-and-foord-balanced-funds</loc>
  <lastmod>2023-09-29T15:12:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/can-foord-flexible-fund-beat-its-inflation-5-benchmark-next-5-years</loc>
  <lastmod>2023-09-29T15:12:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/why-has-foord-flexible-fund-underperformed-last-year</loc>
  <lastmod>2023-09-29T15:12:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/explain-foord-flexible-funds-seemingly-high-current-equity-weight-75</loc>
  <lastmod>2023-09-29T15:12:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/what-hedging-strategies-are-employed-foord-flexible-fund-especially</loc>
  <lastmod>2023-09-29T15:12:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/how-does-foord-manage-risk-foord-flexible-fund</loc>
  <lastmod>2023-09-29T15:12:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-asset-management-welcomes-seasoned-investment-professional-linda</loc>
  <lastmod>2022-11-10T23:39:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-may-2022</loc>
  <lastmod>2022-12-04T07:20:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-june-2022</loc>
  <lastmod>2022-07-08T11:50:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/retail-feeling-pinch</loc>
  <lastmod>2022-10-05T22:08:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-62-2nd-quarter-2022</loc>
  <lastmod>2022-07-19T08:08:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-equity-fund-what-are-stocks-and-themes-impacting-foords-thinking</loc>
  <lastmod>2023-09-29T15:13:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-asset-management-multi-asset-class-views</loc>
  <lastmod>2023-12-06T11:15:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/sa-politics-implications-recent-voting-trends</loc>
  <lastmod>2023-12-06T11:17:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-global-equity-fund-q2-2022-commentary</loc>
  <lastmod>2023-09-29T15:13:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/new-faces-foord-1</loc>
  <lastmod>2022-12-03T23:28:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-international-fund-q2-2022-commentary</loc>
  <lastmod>2023-09-29T15:13:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-asia-ex-japan-fund-q2-2022-commentary</loc>
  <lastmod>2023-09-29T15:13:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-july-2022</loc>
  <lastmod>2022-08-04T06:57:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-july-2022-0</loc>
  <lastmod>2022-10-09T23:45:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/politics-and-investment-process</loc>
  <lastmod>2022-10-05T21:32:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foords-approach-portfolio-construction</loc>
  <lastmod>2023-09-29T15:13:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/macro-thoughts-and-positioning</loc>
  <lastmod>2023-09-29T15:13:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/asian-middle-class-consumer</loc>
  <lastmod>2023-09-29T15:14:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/were-going-bear-hunt</loc>
  <lastmod>2022-10-05T21:26:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/retail-feeling-pinch-0</loc>
  <lastmod>2023-12-06T11:16:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/why-esg-matters</loc>
  <lastmod>2023-09-29T15:14:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-august-2022</loc>
  <lastmod>2022-11-11T08:40:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-august-2022-0</loc>
  <lastmod>2022-09-07T16:30:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-august-2022-1</loc>
  <lastmod>2022-09-07T12:02:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/conversation-dave-foord</loc>
  <lastmod>2023-09-29T15:47:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-september-2022-0</loc>
  <lastmod>2022-10-06T08:24:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/higher-longer-investing-era-structural-inflation</loc>
  <lastmod>2022-11-02T10:15:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-september-2022-1</loc>
  <lastmod>2022-11-11T07:34:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-63-3rd-quarter-2022</loc>
  <lastmod>2022-10-24T12:44:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/asian-renaissance</loc>
  <lastmod>2022-10-25T08:24:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/emerging-markets-mercy-mighty-dollar</loc>
  <lastmod>2022-12-04T07:06:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-in-a-nutshell-podcast-october2022</loc>
  <lastmod>2022-11-03T12:47:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-sa/markets-in-a-nutshell-october2022</loc>
  <lastmod>2022-11-08T07:37:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/m.i.c.e-update</loc>
  <lastmod>2023-09-29T15:15:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/how-to-think-about-risk-in-the-current-inflationary-environment</loc>
  <lastmod>2023-09-29T15:15:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/at-the-mercy-of-the-mighty-dollar</loc>
  <lastmod>2023-09-29T15:15:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/why-the-us-labour-market-is-hotter-than-ever</loc>
  <lastmod>2023-09-29T15:15:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/M.I.C.E-updated</loc>
  <lastmod>2022-12-03T23:24:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-international-fund-q3-2022-commentary1</loc>
  <lastmod>2023-09-29T15:15:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-asia-ex-japan-fund-q3-2022-commentary1</loc>
  <lastmod>2023-09-29T15:15:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/foord-global-equity-fund-q3-2022-commentary1</loc>
  <lastmod>2023-09-29T15:16:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/we-would-rather-be-mostly-right-than-precisely-wrong</loc>
  <lastmod>2022-11-24T12:12:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/M.I.C.E-update-podcast</loc>
  <lastmod>2022-12-03T23:19:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/at-the-mercy-of-the-mighty-dollar-podcast</loc>
  <lastmod>2022-11-29T08:25:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/why-the-us-labour-market-is-hotter-than-ever-podcast</loc>
  <lastmod>2022-11-29T08:27:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/how-to-think-about-risk-in-the-current-inflationary-environment-podcast</loc>
  <lastmod>2023-01-04T01:01:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/mpc-nov-2022-rate-hike</loc>
  <lastmod>2022-12-04T07:30:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/markets-in-a-nutshell-sa-podcast</loc>
  <lastmod>2023-01-04T01:47:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-in-a-nutshell-november-2022</loc>
  <lastmod>2023-01-04T01:42:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/five-economic-risks-heading-into-2023</loc>
  <lastmod>2022-12-14T08:24:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-december2022</loc>
  <lastmod>2023-01-10T17:42:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-in-a-nutshell-podcast-december2022</loc>
  <lastmod>2023-01-12T15:01:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foord-umbrella-fund-a-thousand-bagger-investment</loc>
  <lastmod>2023-01-12T15:05:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-year-in-review</loc>
  <lastmod>2023-01-19T16:56:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/china-turning-a-corner</loc>
  <lastmod>2023-01-19T16:43:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-64-4th-quarter-2022</loc>
  <lastmod>2023-02-02T13:36:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/china-why-we-are-cautiously-optimistic-0</loc>
  <lastmod>2023-09-29T15:35:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/nick-balkin-appointed-foord-south-africa-chief-investment-officer</loc>
  <lastmod>2023-09-29T15:37:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-in-a-nutshell-podcast-january2023</loc>
  <lastmod>2023-02-03T11:39:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-in-a-nutshell-january2023</loc>
  <lastmod>2023-02-06T12:32:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/the-fed-vs-the-market</loc>
  <lastmod>2023-02-17T15:38:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/video-and-podcasts/bracing-for-budget-2023</loc>
  <lastmod>2023-02-21T10:54:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/opportunities-across-the-asset-classes</loc>
  <lastmod>2023-09-29T15:37:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/challenges-and-oportunities-in-a-low-growth-environment</loc>
  <lastmod>2023-09-29T15:37:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/4-economic-risks-for-2023</loc>
  <lastmod>2023-09-29T15:37:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/exploiting-the-disconnect-foords-china-experience</loc>
  <lastmod>2023-03-02T10:50:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-podcast-February-2023</loc>
  <lastmod>2023-03-03T11:40:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-february2023</loc>
  <lastmod>2023-03-09T10:53:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-in-a-nutshell-podcast-march2023</loc>
  <lastmod>2023-04-05T12:10:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-in-a-nutshell-march-2023</loc>
  <lastmod>2023-04-06T08:33:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-65-1st-quarter-2023</loc>
  <lastmod>2023-06-20T11:51:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/where-theres-a-will-theres-a-way</loc>
  <lastmod>2023-04-20T13:38:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-fed-rate-hikes-take-their-toll-on-banks</loc>
  <lastmod>2023-04-20T13:41:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/foord-flexible-fund-turns-15</loc>
  <lastmod>2023-05-10T08:37:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/markets-in-a-nutshell-podcast-april-2023</loc>
  <lastmod>2023-05-11T16:29:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-april-2023</loc>
  <lastmod>2023-05-11T16:36:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/the-us-banking-crisis-and-what-this-means-for-sa-banking</loc>
  <lastmod>2023-12-06T11:16:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/sa-equities-where-we-see-the-best-opportunities</loc>
  <lastmod>2023-12-06T11:16:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/3-key-components-to-assess-the-trajectory-of-us-inflation</loc>
  <lastmod>2023-09-29T17:19:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/market-nutshell-may-2023</loc>
  <lastmod>2023-06-06T14:49:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/decline-dollar-what-are-alternatives</loc>
  <lastmod>2023-12-06T11:22:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/demise-of-the-dollar-0</loc>
  <lastmod>2023-12-06T11:14:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/3-key-components-to-assess-the-trajectory-of-us-inflation-p</loc>
  <lastmod>2023-06-29T12:42:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/the-us-banking-crisis-what-this-means-for-sa-banking-p</loc>
  <lastmod>2023-12-06T11:21:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/sa-equities-where-we-see-opportunities</loc>
  <lastmod>2023-06-29T12:53:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/markets-in-a-nutshell-podcast</loc>
  <lastmod>2023-12-06T11:21:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-june-2023</loc>
  <lastmod>2023-07-05T11:24:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/south-africas-debt-dilemma-risks-and-opportunities</loc>
  <lastmod>2023-12-06T11:20:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/cultivating-financial-literacy-in-the-young-minds-of-tomorrow</loc>
  <lastmod>2023-07-05T13:19:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/foords-high-conviction-call-on-the-global-energy-transition</loc>
  <lastmod>2023-10-18T09:10:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-66-2nd-quarter-2023</loc>
  <lastmod>2023-08-04T12:50:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/are-there-opportunities-sa-inc-stocks</loc>
  <lastmod>2023-08-07T05:26:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/markets-in-a-nutshell-podcast-july-2023</loc>
  <lastmod>2023-12-06T11:19:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-july-2023</loc>
  <lastmod>2023-12-06T11:20:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/threat-fiscal-dominance-us-and-implications-investors</loc>
  <lastmod>2023-09-05T14:29:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/markets-in-a-nutshell-podcast-august-2023</loc>
  <lastmod>2023-12-06T11:19:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-august-2023</loc>
  <lastmod>2023-12-06T11:18:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-september-2023</loc>
  <lastmod>2023-10-09T09:50:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-podcast-september-2023</loc>
  <lastmod>2023-10-09T11:08:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-foord-flex-income-fund-turns-one</loc>
  <lastmod>2024-01-19T12:33:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/will-the-dollar-remain-the-global-reserve-currency</loc>
  <lastmod>2023-10-31T08:33:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/the-foord-asia-ex-japan-fund-explained</loc>
  <lastmod>2023-11-17T06:34:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/thematic-investing-navigating-the-investment-landscape</loc>
  <lastmod>2023-10-19T07:58:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/fezeka-programme-for-gender-diversity-in-asset-management</loc>
  <lastmod>2023-10-12T08:01:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023</loc>
  <lastmod>2023-10-25T12:34:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/multi-asset-q3-2023-commentary</loc>
  <lastmod>2023-10-18T09:09:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q3-2023-south-african-equity</loc>
  <lastmod>2023-10-31T08:33:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q3-2023-foord-flexible-fund-of-funds</loc>
  <lastmod>2024-04-05T13:59:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q3-2023-m.i.c.e-update</loc>
  <lastmod>2024-04-05T13:59:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/foord-international-fund-a%20fund%20for%20all%20seasons</loc>
  <lastmod>2023-11-06T17:20:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts-quarterly-conversatons-q3-2023-fixed-income</loc>
  <lastmod>2024-04-05T13:58:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/podcasts/markets-in-a-nutshell-october-2023</loc>
  <lastmod>2023-12-06T11:13:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insight/markets-in-a-nutshell-october2023</loc>
  <lastmod>2023-11-08T14:10:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/artificial-intelligence-opportunities-hype-cycles-and-how-foord-finds-value</loc>
  <lastmod>2023-12-06T11:13:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/unmasking-the-bond-vigilantes-guardians-of-fiscal-responsibility</loc>
  <lastmod>2023-11-30T08:48:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos-and-podcasts/why-esg-has-always-been-part-of-the-investment-process-at-foord</loc>
  <lastmod>2023-12-07T07:37:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/podcast/markets-in-a-nutshell-podcast-for-november-2023</loc>
  <lastmod>2023-12-07T11:41:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-november-2023</loc>
  <lastmod>2023-12-08T10:31:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/talking-politics-2024-national-election</loc>
  <lastmod>2023-12-08T12:30:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/discussion-will-the-gold-price-hit-%243000-or-more</loc>
  <lastmod>2023-12-13T08:43:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/discussion-will-the-oil-price-reach-over-%24150</loc>
  <lastmod>2023-12-13T08:43:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/discussion-despite-resources-underperforming-will-SA-market-be-up-20%25%2B</loc>
  <lastmod>2023-12-13T08:42:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/discussion-will-the-SA-resources-sector-perform-poorly</loc>
  <lastmod>2023-12-13T08:42:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/discussion-will-china-be-the-top-performing-stock-market-in-the-world</loc>
  <lastmod>2023-12-13T08:41:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/how-esg-is-changing-the-investment-landscape</loc>
  <lastmod>2023-12-12T16:58:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/why-foord-is-benchmark-agnostic</loc>
  <lastmod>2024-02-11T10:39:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/foord-asia-ex-japan-fund-a-matrix-of-exciting-investment-opportunities</loc>
  <lastmod>2024-01-09T12:18:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/videos/the-energy-transition-opportunities-for-astute-investors</loc>
  <lastmod>2024-01-12T08:52:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-podcast-for-december-2023</loc>
  <lastmod>2024-01-09T10:22:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/light-on-resources-why-foord-remains-underweight</loc>
  <lastmod>2024-01-09T15:05:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-december-2023</loc>
  <lastmod>2024-01-09T15:41:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-68-4th-quarter-2023</loc>
  <lastmod>2024-01-18T16:00:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/year-in-review</loc>
  <lastmod>2024-01-19T12:31:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-delivering-safe-investment-returns-in-2024</loc>
  <lastmod>2024-01-19T12:29:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-tech-titans-in-focus-contrasting-the-us-and-chinese-tech-markets</loc>
  <lastmod>2024-01-19T12:28:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/nancy-hossack-appointed-multiple-counsellor-portfolio-manager-foord</loc>
  <lastmod>2024-01-24T09:40:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/property-the-hybrid-asset-that-triggers-strong-views</loc>
  <lastmod>2024-03-07T12:32:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/thematic-investing-creatibg-opportunities-for-forward-thinking-investors</loc>
  <lastmod>2024-01-23T18:21:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/geopolitical-dynamics-the-west-versus-the-rest</loc>
  <lastmod>2024-01-25T15:27:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/inflation-the-long-road-back-to-2%25</loc>
  <lastmod>2024-01-25T15:30:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q4-23-foord-global-equity-fund</loc>
  <lastmod>2024-02-06T08:47:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-podcast-for-january-2024</loc>
  <lastmod>2024-02-06T11:15:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-january-2024</loc>
  <lastmod>2024-02-06T11:15:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q4-2023-foord-asia-ex-japan-fund</loc>
  <lastmod>2024-04-05T13:58:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q4-2023-foord-multi-asset-fund</loc>
  <lastmod>2024-04-05T13:58:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q4-23-foord-equity-fund</loc>
  <lastmod>2024-02-11T11:03:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q4-2023-foord-fixed-income-fund</loc>
  <lastmod>2024-04-05T13:57:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q4-2023-foord-international-fund</loc>
  <lastmod>2024-04-05T13:57:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/unpacking-the-2024-budget-speech</loc>
  <lastmod>2024-02-23T07:06:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-february-2024</loc>
  <lastmod>2024-03-06T08:37:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-february-2024</loc>
  <lastmod>2024-03-06T16:08:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/performance-review-light-at-the-end-of-the-tunnel</loc>
  <lastmod>2024-04-10T11:24:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investing-in-china-risks-and-oportunities</loc>
  <lastmod>2024-04-04T14:27:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcast/markets-in-a-nutshell-for-march-2024</loc>
  <lastmod>2024-04-05T07:06:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-march-2024-0</loc>
  <lastmod>2024-04-08T10:17:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-69-1st-quarter-2024</loc>
  <lastmod>2024-04-18T14:18:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-podcast-for-april-2024</loc>
  <lastmod>2024-05-06T08:10:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-april-2024</loc>
  <lastmod>2024-05-07T14:10:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/pocasts/quarterly-conversations-q1-2024-foord-global-equity-fund</loc>
  <lastmod>2024-05-08T15:15:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q1-2024-foord-fixed-income-fund</loc>
  <lastmod>2024-05-08T15:14:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q1-2024-foord-multi-asset</loc>
  <lastmod>2024-05-08T15:19:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/quarterly-conversations-q1-2024-foord-south-african-equity</loc>
  <lastmod>2024-05-08T15:32:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/in-conversation-with-dave-foord</loc>
  <lastmod>2024-06-12T08:25:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/unlocking-oportunities-in-sa-inc-counters</loc>
  <lastmod>2024-05-22T11:04:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/navigating-esg-complexities-in-the-real-world-south-africas-looming-gas-crisis</loc>
  <lastmod>2024-06-12T08:26:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-may-2024</loc>
  <lastmod>2024-06-06T08:36:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-may-2024-1</loc>
  <lastmod>2024-06-10T09:28:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/are-inflation-linked-bonds-an-under-appreciated-asset-class</loc>
  <lastmod>2024-06-13T07:55:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/are-inflation-linked-bonds-an-under-appreciated-asset-class</loc>
  <lastmod>2024-06-13T21:22:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/anglo-american-shaking-up-the-global-resources-industry</loc>
  <lastmod>2024-06-26T16:09:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/unpacking-the-implications-and-implementation-of-nhi</loc>
  <lastmod>2024-06-26T16:12:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/how-foord-is-positioned-for-a-shrinking-jse</loc>
  <lastmod>2024-06-26T16:16:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/anglo-american-shaking-up-the-global-resources-industry</loc>
  <lastmod>2024-08-02T08:26:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/ways-the-world-is-getting-better</loc>
  <lastmod>2024-07-02T11:18:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/instability-will-be-our-gnu-reality</loc>
  <lastmod>2024-07-08T13:12:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/is-all-that-glitters-still-gold</loc>
  <lastmod>2024-07-08T08:09:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos/how-foord-constructs-a-balanced-sa-equity-portfolio-during-a-time-of-low-economic-growth</loc>
  <lastmod>2024-07-08T08:12:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-june-2024</loc>
  <lastmod>2024-07-08T12:37:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-june-2024</loc>
  <lastmod>2024-07-09T12:00:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-70-2nd-quarter-2024</loc>
  <lastmod>2024-07-19T10:23:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/teaching-cildren-about-money-is-about-fostering-the-right-mindset</loc>
  <lastmod>2024-07-17T08:25:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/nhi-bill-signed-whats-next-for-private-healthcare</loc>
  <lastmod>2024-07-18T09:22:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/greenlight-for-the-foord-international-fund</loc>
  <lastmod>2024-08-02T08:34:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-july-2024</loc>
  <lastmod>2024-08-06T10:51:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-july-2024</loc>
  <lastmod>2024-08-07T12:46:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/politics-sa-inc-and-whats-in-it-for-investors</loc>
  <lastmod>2024-08-07T09:52:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/rate-cuts-and-fixed-income-what-can-we-expect-from-the-coming-quarters</loc>
  <lastmod>2024-08-14T08:14:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insighta/podcasts/trump2-0-what-this-means-for-global-interest-rates-sa-and-the-rand</loc>
  <lastmod>2024-08-14T08:17:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/beyond-the-great-firewall-of-china-an-investment-immersion</loc>
  <lastmod>2024-08-27T06:51:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-august-2024</loc>
  <lastmod>2024-09-12T06:49:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-august-2024</loc>
  <lastmod>2024-09-05T12:27:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/understanding-the-yen-carry-trade-and-how-it-caused-such-a-fuss</loc>
  <lastmod>2024-09-12T15:29:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/whats-shaping-global-economies-and-markets</loc>
  <lastmod>2025-06-09T12:09:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-september-2024</loc>
  <lastmod>2025-06-09T12:22:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-september-2024</loc>
  <lastmod>2024-10-04T12:44:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024</loc>
  <lastmod>2026-02-01T21:56:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-us-presidential-election-what-investors-need-to-know</loc>
  <lastmod>2024-10-16T09:14:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/will-south-africas-cautious-rate-cut-cut-it</loc>
  <lastmod>2024-10-16T09:26:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/local-is-lekker-for-the-foord-equity-fund</loc>
  <lastmod>2024-10-16T09:34:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/sectors-stocks-and-insights-the-evolving-sa-equity-landscape</loc>
  <lastmod>2025-06-09T12:09:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-podcast-october-2024</loc>
  <lastmod>2025-06-09T12:08:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-october-2024</loc>
  <lastmod>2024-11-07T13:22:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-november-2024</loc>
  <lastmod>2024-12-05T16:12:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-november-2024</loc>
  <lastmod>2025-06-09T12:06:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-december-2024</loc>
  <lastmod>2025-06-09T12:06:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-december-2024</loc>
  <lastmod>2025-01-14T11:29:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024</loc>
  <lastmod>2026-02-01T21:58:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/2024-in-review</loc>
  <lastmod>2025-01-16T09:26:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/its-still-a-minefield-out-there-how-to-thrive-in-2025</loc>
  <lastmod>2025-01-17T21:27:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/trump-trade-what-the-second-trump-presidency-could-mean-for-markets</loc>
  <lastmod>2025-01-17T11:52:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/food-producers-back-on-the-menu</loc>
  <lastmod>2025-01-20T12:02:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/update-on-the-multiple-councellor-manager-mix-for-2025</loc>
  <lastmod>2025-01-20T13:43:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/foord-meet-team</loc>
  <lastmod>2025-06-09T11:32:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/how-thrive-2025-foord-webinar</loc>
  <lastmod>2025-06-09T11:58:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/foord-forward-thinking-webinar</loc>
  <lastmod>2025-06-09T11:06:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/global-economic-forces-will-reshape-next-us-presidential-term</loc>
  <lastmod>2025-06-09T11:32:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/foord-mind-manager</loc>
  <lastmod>2025-06-09T11:05:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/mind-manager-recharging-eskom-eskom-chairperson-mteto-nyati</loc>
  <lastmod>2025-06-09T11:57:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/foord-mind-manager-webinar</loc>
  <lastmod>2025-06-09T11:00:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/new-dawn-sa-inc</loc>
  <lastmod>2025-06-09T11:33:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/whats-store-2024</loc>
  <lastmod>2025-06-09T11:59:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/sa-election-2024</loc>
  <lastmod>2026-02-01T21:51:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/global-perspective-what-world-going</loc>
  <lastmod>2025-06-09T12:02:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-january-2025</loc>
  <lastmod>2025-02-11T12:15:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-january-2025-podcast</loc>
  <lastmod>2025-06-09T12:22:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-february-2025</loc>
  <lastmod>2025-06-09T12:08:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-february-2025</loc>
  <lastmod>2025-03-06T11:13:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-march-2025</loc>
  <lastmod>2025-06-09T12:07:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-march-2025</loc>
  <lastmod>2025-04-10T07:32:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025</loc>
  <lastmod>2026-02-01T23:00:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/sa-equities-no-growth-no-problem</loc>
  <lastmod>2025-06-09T11:30:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-sa-construction-sector-foundation-for-growth</loc>
  <lastmod>2025-06-09T12:24:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/americas-future-lies-in-innovation-not-factories</loc>
  <lastmod>2025-06-09T12:25:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/china-tailwinds-persist-despite-trade-turbulence</loc>
  <lastmod>2025-06-09T12:24:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/sa-equities-beyond-the-gloom</loc>
  <lastmod>2025-06-25T12:51:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/investing-with-confidence-for-safety-and-growth</loc>
  <lastmod>2025-06-09T12:23:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-april-2025-0</loc>
  <lastmod>2025-06-09T11:29:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-podcast-for-april-2025</loc>
  <lastmod>2025-06-09T11:29:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/from-underdog-to-innovator-chinas-high-tech-ascent-amid-trade-tensions</loc>
  <lastmod>2026-02-01T21:41:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/global-themes-shaping-2020s-nick-balkin-rashaad-tayob</loc>
  <lastmod>2026-02-01T21:34:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/making-sense-global-investment-landscape</loc>
  <lastmod>2026-02-01T22:26:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/webinars/beyond-borders-building-resilient-portfolios-low-growth-world</loc>
  <lastmod>2026-02-01T21:37:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-may-2025</loc>
  <lastmod>2025-06-05T12:51:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-may-2025</loc>
  <lastmod>2026-02-01T22:30:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/south-africa-crossroads-power-policy-and-potential</loc>
  <lastmod>2026-02-01T19:11:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-june-2025</loc>
  <lastmod>2025-07-07T07:03:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/building-future-proof-portfolios-investing-in-long-term-innovation</loc>
  <lastmod>2026-02-01T22:34:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/south-africa-at-a-crossroads-power-policy-and-potential</loc>
  <lastmod>2026-02-01T19:15:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025</loc>
  <lastmod>2026-02-01T22:01:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-june-2025</loc>
  <lastmod>2026-02-01T22:35:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-july-2025</loc>
  <lastmod>2025-08-05T17:39:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-july-2025</loc>
  <lastmod>2026-02-01T22:32:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-august-2025</loc>
  <lastmod>2025-09-05T16:13:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-podcast-for-august-2025</loc>
  <lastmod>2026-02-01T22:59:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-september-2025</loc>
  <lastmod>2025-10-02T17:05:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-september-2025</loc>
  <lastmod>2026-02-01T23:03:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025</loc>
  <lastmod>2026-02-01T21:59:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/chinas-next-act</loc>
  <lastmod>2025-10-23T11:01:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-ai-revolution-learning-from-past-bubbles</loc>
  <lastmod>2025-10-23T11:03:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/five-myths-about-china-investors-need-to-rethink</loc>
  <lastmod>2025-10-30T10:19:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/retirement-reimagined</loc>
  <lastmod>2025-10-31T16:25:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-rands-remarkable-recovery</loc>
  <lastmod>2026-02-01T22:45:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/sa-inc-shares-undervalued-under-ownerd-underestimated</loc>
  <lastmod>2026-02-01T21:38:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/the-fixed-income-opportunity</loc>
  <lastmod>2026-02-01T22:39:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-october-2025</loc>
  <lastmod>2026-02-01T19:18:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-for-october-2025</loc>
  <lastmod>2026-02-01T19:21:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/dave_foord_on_politics_debt_and_the_future_of_markets</loc>
  <lastmod>2026-02-01T21:32:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-november-2025</loc>
  <lastmod>2026-02-01T22:40:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-december-2025</loc>
  <lastmod>2026-02-01T20:02:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-podcast-for-november-2025</loc>
  <lastmod>2026-02-01T19:52:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025</loc>
  <lastmod>2026-02-18T06:45:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/podcasts/markets-in-a-nutshell-podcast-for-december-2025</loc>
  <lastmod>2026-02-01T20:00:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-january-2026</loc>
  <lastmod>2026-02-04T23:41:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/markets-nutshell-january-2026</loc>
  <lastmod>2026-02-05T15:50:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/markets-in-a-nutshell-for-february-2026</loc>
  <lastmod>2026-03-04T13:37:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/you-cant-predict-markets-you-can-prepare-them</loc>
  <lastmod>2026-03-10T08:11:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/home</loc>
  <lastmod>2025-12-02T11:04:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord/careers</loc>
  <lastmod>2025-05-07T14:24:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-sa</loc>
  <lastmod>2025-06-09T11:14:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord/directorate-and-team</loc>
  <lastmod>2023-03-23T13:38:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord</loc>
  <lastmod>2025-05-07T14:20:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/contact</loc>
  <lastmod>2025-06-02T15:00:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord/investment-approach</loc>
  <lastmod>2024-08-14T21:21:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord/community-investments</loc>
  <lastmod>2025-04-15T15:02:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/tax-free-investments</loc>
  <lastmod>2026-03-02T09:20:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors</loc>
  <lastmod>2025-02-12T14:25:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/forms-and-documents</loc>
  <lastmod>2026-04-01T22:10:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/tailor-made-portfolios</loc>
  <lastmod>2025-05-07T14:34:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/404</loc>
  <lastmod>2020-12-29T09:47:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/invest-with-foord</loc>
  <lastmod>2026-03-31T09:51:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments</loc>
  <lastmod>2023-04-04T12:13:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights</loc>
  <lastmod>2025-06-09T11:10:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/publications-1</loc>
  <lastmod>2026-01-09T11:23:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/sitemapZA</loc>
  <lastmod>2024-08-14T20:19:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/podcasts</loc>
  <lastmod>2026-02-01T21:49:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/foord-global-funds</loc>
  <lastmod>2022-10-26T07:42:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/publications/teach-your-child-to-invest</loc>
  <lastmod>2026-01-09T09:28:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/about-foord/sustainable-investing</loc>
  <lastmod>2024-08-14T20:15:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/publications/time-markets</loc>
  <lastmod>2025-06-09T12:44:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter</loc>
  <lastmod>2026-02-01T21:47:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/fund-prices</loc>
  <lastmod>2025-09-12T10:24:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/unit-trusts</loc>
  <lastmod>2023-09-12T08:43:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/videos</loc>
  <lastmod>2026-02-01T21:50:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-sa/videos</loc>
  <lastmod>2023-09-29T17:10:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/publications-test</loc>
  <lastmod>2025-11-21T09:39:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/teach-your-child-invest-2</loc>
  <lastmod>2025-11-24T15:31:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/retirement-fund-full-discretion</loc>
  <lastmod>2022-11-24T12:17:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/retirement-fund-conservative-equity</loc>
  <lastmod>2023-11-02T12:46:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/retirement-fund-low-equity</loc>
  <lastmod>2022-11-24T10:23:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/retirement-fund-sa-only</loc>
  <lastmod>2022-11-24T10:23:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/conservative-absolute-return</loc>
  <lastmod>2022-11-18T08:34:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/south-african-equity</loc>
  <lastmod>2022-11-24T10:22:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/global-equity</loc>
  <lastmod>2022-11-18T08:35:09+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/medical-schemes-full-discretion</loc>
  <lastmod>2022-11-24T10:28:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/sa-bond</loc>
  <lastmod>2022-11-24T12:19:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/sa-flexible-income</loc>
  <lastmod>2022-11-24T12:20:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/sa-income</loc>
  <lastmod>2022-11-24T12:18:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/investments/institutional-investors/asia-ex-japan</loc>
  <lastmod>2022-11-24T12:22:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/6</loc>
  <lastmod>2025-04-14T14:50:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/7</loc>
  <lastmod>2025-04-14T14:56:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/19</loc>
  <lastmod>2020-12-04T15:45:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/31</loc>
  <lastmod>2025-04-14T14:55:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/32</loc>
  <lastmod>2025-04-14T14:36:05+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/33</loc>
  <lastmod>2022-09-06T10:53:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/dave-foord</loc>
  <lastmod>2023-01-25T10:14:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/nick-balkin</loc>
  <lastmod>2023-01-25T08:58:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/wim-murray</loc>
  <lastmod>2025-04-14T14:41:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/michael-townshend</loc>
  <lastmod>2025-04-14T14:40:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/adele-jankowitz</loc>
  <lastmod>2025-04-14T14:48:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/heather-mcculloch</loc>
  <lastmod>2025-04-14T14:44:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/52</loc>
  <lastmod>2025-04-14T14:52:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/jing-cong-jc-xue</loc>
  <lastmod>2022-01-14T13:10:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/julie-macleod-henderson</loc>
  <lastmod>2025-04-14T14:46:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/grace-ruddy</loc>
  <lastmod>2020-08-20T09:32:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/node/218</loc>
  <lastmod>2020-02-13T07:30:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/dhersan-chetty</loc>
  <lastmod>2021-10-26T15:34:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/daniel-phua</loc>
  <lastmod>2023-03-29T13:29:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/linda-eedes</loc>
  <lastmod>2026-03-16T12:04:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/rashaad-tayob</loc>
  <lastmod>2022-11-10T16:42:57+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/farzana-bayat</loc>
  <lastmod>2025-08-08T15:01:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/dylan-griffiths</loc>
  <lastmod>2024-08-20T09:42:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/stuart-wilson</loc>
  <lastmod>2023-05-04T15:00:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/dawie-jooste</loc>
  <lastmod>2024-01-25T13:24:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/jingzhe-ang</loc>
  <lastmod>2023-08-11T07:44:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/byron-jackson-miller</loc>
  <lastmod>2025-07-08T11:24:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/dalphin-hou</loc>
  <lastmod>2024-08-21T07:07:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/wei-lu-tan</loc>
  <lastmod>2026-01-19T09:00:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/li-ching-khoo</loc>
  <lastmod>2025-07-31T14:38:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/team/sihle-zondi</loc>
  <lastmod>2025-08-13T10:28:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/terms-conditions-sa</loc>
  <lastmod>2026-03-31T11:11:44+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/email-notice-sa</loc>
  <lastmod>2022-03-16T15:29:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/legal-information</loc>
  <lastmod>2025-06-09T11:27:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-emerging-markets</loc>
  <lastmod>2022-05-24T09:47:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/global-markets-temperature-gauge</loc>
  <lastmod>2022-12-05T15:48:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/emerging-markets-emerging-turmoil</loc>
  <lastmod>2022-11-11T12:31:39+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/forward-pricing-what-does-it-mean</loc>
  <lastmod>2022-07-28T15:47:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/foord-brief</loc>
  <lastmod>2022-11-11T12:13:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-nutshell</loc>
  <lastmod>2023-01-04T02:17:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-quantitative-tightening</loc>
  <lastmod>2022-05-24T09:23:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/bears-are-door</loc>
  <lastmod>2022-05-24T09:23:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/fulcrum-fees-how-they-work</loc>
  <lastmod>2022-05-24T09:23:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/tax-free-accounts</loc>
  <lastmod>2022-05-24T09:21:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/exchange-control-allowances</loc>
  <lastmod>2022-05-24T09:37:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-nutshell-48</loc>
  <lastmod>2023-01-04T02:14:27+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-leverage</loc>
  <lastmod>2022-05-24T09:39:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/attritional-bear-markets</loc>
  <lastmod>2022-05-24T09:40:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/foundations-long-term-investment-growth</loc>
  <lastmod>2022-05-24T09:41:22+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/role-trustee</loc>
  <lastmod>2022-05-24T09:42:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/demographics-destiny</loc>
  <lastmod>2022-05-24T09:43:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/book-dash</loc>
  <lastmod>2022-05-24T09:43:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-nutshell-49</loc>
  <lastmod>2023-01-04T02:20:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/email-notice</loc>
  <lastmod>2022-03-16T15:30:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-tariffs</loc>
  <lastmod>2019-08-14T11:50:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/now-dust-has-settled</loc>
  <lastmod>2019-08-14T11:51:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/trade-wars-there-are-no-winners</loc>
  <lastmod>2019-08-14T11:41:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/teach-your-child-invest</loc>
  <lastmod>2019-08-14T11:42:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/what-you-need-know-about-third-party-payments</loc>
  <lastmod>2024-11-05T18:15:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-nutshell-50</loc>
  <lastmod>2023-01-04T02:23:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-liquidity</loc>
  <lastmod>2020-06-15T10:26:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/its-time-market-counts</loc>
  <lastmod>2019-10-29T17:03:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/preserving-investor-capital-foord-way</loc>
  <lastmod>2019-10-29T17:03:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/simple-not-easy</loc>
  <lastmod>2019-10-29T17:04:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/how-invest-children-your-life</loc>
  <lastmod>2020-06-15T10:33:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-nutshell-51</loc>
  <lastmod>2020-06-17T08:31:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-pgms</loc>
  <lastmod>2020-01-26T14:44:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/publishing-game-changers</loc>
  <lastmod>2020-01-26T14:50:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/year-review</loc>
  <lastmod>2020-03-19T16:52:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/setting-smart-financial-goals-new-decade</loc>
  <lastmod>2020-02-05T17:06:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/foord-brief-0</loc>
  <lastmod>2020-01-26T14:56:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-nutshell-52</loc>
  <lastmod>2023-01-04T02:26:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-opec</loc>
  <lastmod>2020-04-15T17:21:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/covid-19-pin-popped-bubble</loc>
  <lastmod>2020-04-15T17:21:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/politics-oil</loc>
  <lastmod>2020-04-21T15:23:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/small-caps-big-opportunities</loc>
  <lastmod>2020-04-15T17:22:38+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/foord-conservative-fund-showing-its-stripes</loc>
  <lastmod>2020-04-21T15:23:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/markets-nutshell-53</loc>
  <lastmod>2023-01-04T02:07:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-54-2nd-quarter-2020/did-you-know-black-swan</loc>
  <lastmod>2021-07-19T08:40:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-54-2nd-quarter-2020/investing-through-noise</loc>
  <lastmod>2021-07-19T08:41:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-54-2nd-quarter-2020/more-things-change</loc>
  <lastmod>2021-07-19T08:41:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-54-2nd-quarter-2020/are-we-there-yet</loc>
  <lastmod>2023-01-04T01:11:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-54-2nd-quarter-2020/foord-brief-54</loc>
  <lastmod>2023-01-04T01:22:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-54-2nd-quarter-2020/markets-nutshell-54</loc>
  <lastmod>2020-08-06T14:10:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-55-3rd-quarter-2020/markets-in-a-nutshell</loc>
  <lastmod>2021-07-19T09:27:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-55-3rd-quarter-2020/dyk-hyperinflation</loc>
  <lastmod>2021-07-19T08:43:18+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-55-3rd-quarter-2020/inflation-biggest-destroyer-capital</loc>
  <lastmod>2021-07-19T08:44:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-55-3rd-quarter-2020/foord-equity-fund-benchmark-agnostic</loc>
  <lastmod>2021-07-19T08:43:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-55-3rd-quarter-2020/beyond-rand</loc>
  <lastmod>2021-07-19T08:42:54+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-55-3rd-quarter-2020/pravarshan-murugasen-appointed-head-equity</loc>
  <lastmod>2021-07-19T08:47:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-55-3rd-quarter-2020/meet-team-2020</loc>
  <lastmod>2021-07-19T08:46:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/dr-copper</loc>
  <lastmod>2021-01-18T15:06:43+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/rise-of-foord-global-equity-fund</loc>
  <lastmod>2021-01-18T15:07:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/year-in-review</loc>
  <lastmod>2021-01-18T15:07:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/the-cupboard-is-now-bare</loc>
  <lastmod>2021-01-18T15:20:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/portfolio-managers-need-no-introduction</loc>
  <lastmod>2021-01-18T15:07:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/loretta-macleod</loc>
  <lastmod>2021-01-18T15:08:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/book-dash</loc>
  <lastmod>2021-01-18T15:08:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter-foreword/foreword-issue-56-4th-quarter-2020/markets-in-a-nutshell</loc>
  <lastmod>2021-01-18T15:19:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/did-you-know-carbon-neutrality</loc>
  <lastmod>2021-04-21T15:23:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/are-we-commodities-super-cycle</loc>
  <lastmod>2021-04-21T15:23:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/quo-vadis-cleantech-investors</loc>
  <lastmod>2021-04-21T16:49:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/little-by-little</loc>
  <lastmod>2022-12-03T16:52:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/farewell-daryll-owen</loc>
  <lastmod>2021-04-21T15:23:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/student-vacation-programme-2021</loc>
  <lastmod>2021-04-21T15:23:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/markets-in-a-nutshell</loc>
  <lastmod>2021-04-21T15:23:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-57-1st-quarter-2021/one-million-books-one-million-changed-lives</loc>
  <lastmod>2021-04-21T15:23:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-58-2nd-quarter-2021/did-you-know-cryptocurrencies</loc>
  <lastmod>2021-07-14T10:16:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-58-2nd-quarter-2021/sustainable-investing-we-been-having-it</loc>
  <lastmod>2021-07-14T10:17:01+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-58-2nd-quarter-2021/crypto-no-gold</loc>
  <lastmod>2021-07-14T10:18:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-58-2nd-quarter-2021/we-find-value</loc>
  <lastmod>2021-07-15T09:32:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-58-2nd-quarter-2021/matter-time</loc>
  <lastmod>2021-07-14T10:17:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-58-2nd-quarter-2021/markets-in-a-nutshell</loc>
  <lastmod>2021-07-14T10:01:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-59-3rd-quarter-2021/markets-nutshell-0</loc>
  <lastmod>2021-10-14T10:17:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-59-3rd-quarter-2021/did-you-know-foord-turns-40</loc>
  <lastmod>2021-10-12T15:42:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-59-3rd-quarter-2021/china-regulating-change</loc>
  <lastmod>2021-10-12T15:45:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-59-3rd-quarter-2021/staying-course</loc>
  <lastmod>2021-10-13T08:00:12+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-59-3rd-quarter-2021/small-and-mid-caps-big-opportunities</loc>
  <lastmod>2023-01-04T04:01:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-59-3rd-quarter-2021/cybertheft-real-be-vigilant</loc>
  <lastmod>2021-10-13T08:02:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-59-3rd-quarter-2021/new-analysts-foord</loc>
  <lastmod>2021-10-13T08:02:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-60-4th-quarter-2021/did-you-know-everything-rally</loc>
  <lastmod>2022-01-21T14:08:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-60-4th-quarter-2021/safety-first</loc>
  <lastmod>2023-01-04T04:09:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-60-4th-quarter-2021/hospital-stocks-mend</loc>
  <lastmod>2022-01-21T14:14:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-60-4th-quarter-2021/foord-equity-funds-new-portfolio-manager</loc>
  <lastmod>2022-01-19T13:47:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-60-4th-quarter-2021/book-dashs-milestone-two-million-books</loc>
  <lastmod>2023-01-04T03:47:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-60-4th-quarter-2021/markets-nutshell-january-2022</loc>
  <lastmod>2022-01-21T14:10:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/newsletter-foreword/foreword-issue-60-4th-quarter-2021/year-review-and-whats-store</loc>
  <lastmod>2022-01-27T11:48:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/foord-international-fund-fund-all-seasons</loc>
  <lastmod>2022-04-19T16:18:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/economic-effects-war</loc>
  <lastmod>2022-04-19T16:18:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/inflation-no-1-global-risk</loc>
  <lastmod>2022-04-22T13:51:10+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/celebrating-ten-years-singapore</loc>
  <lastmod>2022-04-19T16:18:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/foord-feeder-funds</loc>
  <lastmod>2023-01-04T03:51:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/head-dealer-heather-ridley-retires</loc>
  <lastmod>2022-04-19T16:18:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/markets-nutshell-april-2022</loc>
  <lastmod>2022-04-25T14:18:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-61-1st-quarter-2022/did-you-know-feeder-funds</loc>
  <lastmod>2022-04-19T16:18:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-62-2nd-quarter-2022/did-you-know-stock-keeping-units</loc>
  <lastmod>2023-01-04T03:56:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-62-2nd-quarter-2022/were-going-bear-hunt</loc>
  <lastmod>2022-07-14T08:29:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-62-2nd-quarter-2022/retail-feeling-pinch</loc>
  <lastmod>2023-01-04T03:40:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-62-2nd-quarter-2022/politics-and-process</loc>
  <lastmod>2022-07-14T08:29:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-62-2nd-quarter-2022/new-faces</loc>
  <lastmod>2022-07-18T14:09:55+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-62-2nd-quarter-2022/markets-nutshell-july-2022</loc>
  <lastmod>2022-10-13T09:41:51+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-63-3rd-quarter-2022/did-you-know-foord-unit-trusts-turns-20</loc>
  <lastmod>2022-10-24T12:49:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-63-3rd-quarter-2022/better-to-be-approximately-right-than-precisely-wrong</loc>
  <lastmod>2023-01-04T03:43:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-63-3rd-quarter-2022/emerging-markets-at-the-mercy-of-the-mighty-dollar</loc>
  <lastmod>2022-10-24T12:43:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-63-3rd-quarter-2022/mice-updated</loc>
  <lastmod>2022-10-24T12:42:17+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-63-3rd-quarter-2022/adieu-william-fraser</loc>
  <lastmod>2022-12-04T07:27:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-63-3rd-quarter-2022/markets-in-a-nutshell</loc>
  <lastmod>2022-10-24T12:43:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-64-4th-quarter-2022/did-you-know-year-rabbit</loc>
  <lastmod>2023-01-18T14:04:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-64-4th-quarter-2022/foord-fixed-income-funds</loc>
  <lastmod>2023-01-18T13:55:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-64-4th-quarter-2022/foord-umbrella-provident-fund-thousand-bagger-investment</loc>
  <lastmod>2023-01-17T09:43:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-64-4th-quarter-2022/china-turning-corner</loc>
  <lastmod>2023-01-18T14:10:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-64-4th-quarter-2022/year-review</loc>
  <lastmod>2023-01-17T09:43:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-64-4th-quarter-2022/markets-in-a-nutshell</loc>
  <lastmod>2023-01-18T13:53:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-65-1st-quarter-2023/did-you-know-150-000-and-counting</loc>
  <lastmod>2023-04-24T11:02:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-65-1st-quarter-2023/foord-flexible-fund-turns-15</loc>
  <lastmod>2023-04-24T14:20:14+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-65-1st-quarter-2023/fed-rate-hikes-take-their-toll-banks</loc>
  <lastmod>2023-04-24T10:28:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-65-1st-quarter-2023/where-theres-will-theres-way</loc>
  <lastmod>2023-04-24T10:00:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-65-1st-quarter-2023/nick-balkin-appointed-foord-sa-chief-investment-officer</loc>
  <lastmod>2023-04-24T10:00:31+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-65-1st-quarter-2023/markets-in-a-nutshell</loc>
  <lastmod>2023-04-24T10:08:02+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-66-2nd-quarter-2023/did-you-know-haircut</loc>
  <lastmod>2023-07-13T15:28:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-66-2nd-quarter-2023/south-africas-debt-dilemma-risks-and-opportunities</loc>
  <lastmod>2023-11-20T09:52:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-66-2nd-quarter-2023/foords-high-conviction-call-global-energy-transition</loc>
  <lastmod>2023-07-13T15:34:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-66-2nd-quarter-2023/are-there-opportunities-sa-inc-stocks</loc>
  <lastmod>2023-07-14T10:00:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-66-2nd-quarter-2023/cultivating-financial-literacy-young-minds-tomorrow</loc>
  <lastmod>2023-07-13T15:29:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-66-2nd-quarter-2023/markets-nutshell</loc>
  <lastmod>2023-07-13T15:30:21+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023/did-you-know-reserve-currency</loc>
  <lastmod>2023-10-19T12:15:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023/foord-flex-income-fund-turns-one</loc>
  <lastmod>2023-10-19T12:13:50+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023/will-dollar-remain-global-reserve-currency</loc>
  <lastmod>2023-10-19T12:16:35+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023/foord-asia-ex-japan-fund-explained</loc>
  <lastmod>2023-10-19T12:16:07+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023/thematic-investing-navigating-investment-landscape</loc>
  <lastmod>2023-10-19T12:15:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023/fezeka-programme-gender-diversity-asset-management</loc>
  <lastmod>2023-10-19T12:14:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-67-3rd-quarter-2023/markets-nutshell-0</loc>
  <lastmod>2023-10-19T12:18:56+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/did-you-know-magnificent-seven</loc>
  <lastmod>2024-01-15T13:46:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-68-4th-quarter-2023/markets-in-a-nutshell</loc>
  <lastmod>2024-01-18T15:01:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-68-4th-quarter-2023/magnificent-seven</loc>
  <lastmod>2025-06-09T12:42:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-68-4th-quarter-2023/the-year-in-review</loc>
  <lastmod>2025-06-09T12:41:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-68-4th-quarter-2023/delivering-safe-investment-returns-in-2024</loc>
  <lastmod>2025-06-09T12:52:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-68-4th-quarter-2023/tech-titans-in-focus-contrasting-the-us-and-chinese-tech-markets</loc>
  <lastmod>2025-06-09T12:43:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-69-1st-quarter-2024/investing-china-risks-and-opportunities</loc>
  <lastmod>2025-06-09T12:37:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-69-1st-quarter-2024/navigating-esg-complexities-real-world-south-africas-looming-gas-crisis</loc>
  <lastmod>2025-06-09T12:40:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-69-1st-quarter-2024/unlocking-opportunities-sa-inc-counters</loc>
  <lastmod>2025-06-09T12:38:06+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-69-1st-quarter-2024/more-enough-officially-hits-classrooms</loc>
  <lastmod>2025-06-09T12:39:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-69-1st-quarter-2024/markets-nutshell</loc>
  <lastmod>2024-04-17T16:18:49+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-69-1st-quarter-2024/performance-review-light-end-tunnel</loc>
  <lastmod>2025-06-09T12:40:58+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-69-1st-quarter-2024/did-you-know-asean</loc>
  <lastmod>2025-06-09T12:38:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-70-2nd-quarter-2024/did-you-know-risk%20premium</loc>
  <lastmod>2025-06-09T12:44:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-70-2nd-quarter-2024/market_in_a_nutshell_-_june_2024</loc>
  <lastmod>2024-07-10T14:58:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-70-2nd-quarter-2024/instability-will-be-our-gnu-reality</loc>
  <lastmod>2025-06-09T12:45:24+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-70-2nd-quarter-2024/nhi-bill-signed-what%27s-next-private-healthcare</loc>
  <lastmod>2025-06-09T12:53:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-70-2nd-quarter-2024/empowerment-credentials-credited</loc>
  <lastmod>2025-06-09T12:46:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-70-2nd-quarter-2024/green-light-foord-international-fund</loc>
  <lastmod>2025-06-09T12:48:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights/newsletter/foreword-issue-70-2nd-quarter-2024/beyond-great-firewall-of-china-investment-immersion</loc>
  <lastmod>2025-06-09T12:46:08+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024/markets-nutshell-september-2024</loc>
  <lastmod>2026-02-01T22:14:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024/did-you-know-hawks-and-doves</loc>
  <lastmod>2025-06-09T12:35:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024/potluck-win-south-african-fiscus</loc>
  <lastmod>2025-06-09T12:37:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024/will-south-africas-cautious-rate-cut-cut-it</loc>
  <lastmod>2025-06-09T12:35:11+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024/us-presidential-election-what-investors-need-know</loc>
  <lastmod>2025-06-09T12:31:53+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024/protocols-safeguard-against-fraudulent-activity</loc>
  <lastmod>2025-06-09T12:36:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-71-3rd-quarter-2024/local-lekker-foord-equity-fund</loc>
  <lastmod>2025-06-09T12:34:40+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024/did-you-know-american-exceptionalism</loc>
  <lastmod>2026-02-01T22:54:45+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024/markets-nutshell-december-2024</loc>
  <lastmod>2026-02-01T22:11:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024/2024-review</loc>
  <lastmod>2026-02-01T22:53:00+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024/its-still-minefield-out-there-how-thrive-2025</loc>
  <lastmod>2025-06-09T12:47:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024/update-multiple-counsellor-manager-mix-2025</loc>
  <lastmod>2025-06-09T12:51:33+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024/trump-trade-what-second-trump-presidency-could-mean-markets</loc>
  <lastmod>2025-06-09T12:49:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-72-4th-quarter-2024/food-producers-back-menu</loc>
  <lastmod>2025-06-09T12:51:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025/did-you-know-global-south</loc>
  <lastmod>2025-06-09T20:37:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025/americas-future-lies-innovation-not-factories</loc>
  <lastmod>2025-06-09T11:23:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025/china-tailwinds-persist-despite-trade-turbulence</loc>
  <lastmod>2025-06-09T12:27:52+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025/sa-equities-beyond-gloom</loc>
  <lastmod>2025-06-25T12:51:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025/sa-construction-sector-foundation-growth</loc>
  <lastmod>2025-06-09T12:29:47+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025/investing-confidence-safety-and-growth</loc>
  <lastmod>2025-06-09T12:30:19+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-73-1st-quarter-2025/markets-nutshell-march-2025</loc>
  <lastmod>2026-02-01T22:16:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025/chinas-misunderstood-advantage</loc>
  <lastmod>2026-02-01T20:08:46+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025/did-you-know-endowment-effect</loc>
  <lastmod>2026-02-01T23:05:48+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025/low-hanging-fruit-lies-everywhere</loc>
  <lastmod>2026-02-01T20:11:25+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025/banking-sas-best-franchises</loc>
  <lastmod>2026-02-01T20:20:16+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025/platinum-shares-shine-pgm-rally</loc>
  <lastmod>2026-02-01T20:39:23+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025/farewell-stalwart-agnes-cai</loc>
  <lastmod>2026-02-01T20:05:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-74-2nd-quarter-2025/markets-nutshell-june-2025</loc>
  <lastmod>2026-02-01T22:07:36+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025/markets-nutshell-september-2025</loc>
  <lastmod>2026-02-01T22:09:32+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/wei-lu-tan-appointed-ceo-of-singapore</loc>
  <lastmod>2026-02-01T20:44:41+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025/rands-remarkable-recovery</loc>
  <lastmod>2026-02-01T20:36:13+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025/chinas-next-act</loc>
  <lastmod>2026-02-01T20:34:42+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025/sa-inc-shares-undervalued-under-owned-underestimated</loc>
  <lastmod>2026-02-01T20:30:37+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025/fixed-income-opportunity</loc>
  <lastmod>2026-02-01T20:31:30+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025/retirement-reimagined</loc>
  <lastmod>2026-02-01T22:57:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-75-3rd-quarter-2025/did-you-know-fiat-currency</loc>
  <lastmod>2026-02-01T22:17:59+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/did-you-know-real-estate-investment-trusts-reits</loc>
  <lastmod>2026-02-01T20:49:20+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/markets-nutshell-december-2025</loc>
  <lastmod>2026-02-01T22:05:34+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/2025%3A-the-year-in-review</loc>
  <lastmod>2026-02-01T20:42:26+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/staying-course-why-time-market-still-matters-most</loc>
  <lastmod>2026-02-01T23:01:28+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/thats-just-nuts-foords-latest-childrens-book</loc>
  <lastmod>2026-02-01T22:50:15+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/why-tax-free-savings-account-deserves-place-every-portfolio</loc>
  <lastmod>2026-02-01T20:51:04+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/listed-property-room-growth</loc>
  <lastmod>2026-02-01T20:48:03+02:00</lastmod>
  <priority>0.5</priority>
 </url>
 <url>
  <loc>https://foord.co.za/insights-and-commentary/foreword-issue-76-4th-quarter-2025/gold-fever-own-metal-or-mines</loc>
  <lastmod>2026-02-01T20:53:29+02:00</lastmod>
  <priority>0.5</priority>
 </url>
</urlset>
