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      <news:title>How Long Bear Markets Last: Recovery Times Since 1968</news:title>
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      <news:title>Diversification in a Crisis: What Actually Worked</news:title>
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      <news:title>Volatility vs Drawdown: The Risk You Actually Feel</news:title>
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      <news:title>Emergency Fund Size: Past the 3-6 Month Rule</news:title>
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      <news:title>Home Bias: How Much of Your Equities Are Foreign</news:title>
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      <news:title>Your House as a Portfolio Asset: Housing vs Equities</news:title>
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      <news:title>Investment Policy Statement: What the Evidence Shows</news:title>
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      <news:title>Portfolio Drift: How Far a 60/40 Wanders in One Year</news:title>
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      <news:title>Rebalancing in a Crash: Evidence From 2008 and 2020</news:title>
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      <news:title>Risk Tolerance vs Risk Capacity: What Scores Miss</news:title>
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    <loc>https://ledgertouch.com/blog/planning-and-costs/safe-withdrawal-rates-international-evidence</loc>
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      <news:title>Safe Withdrawal Rates: The 4% Rule in 17 Countries</news:title>
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      <news:title>Sequence Risk: Same Returns, Opposite Outcomes</news:title>
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      <news:title>Three-Fund Portfolio: A Stress Test, 2008 to 2025</news:title>
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    <loc>https://ledgertouch.com/blog/planning-and-costs/withdrawal-guardrails-flexible-spending-rates</loc>
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      <news:title>Withdrawal Guardrails: The Price of a 5.2% Start</news:title>
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    <loc>https://ledgertouch.com/blog/portfolio-risk/behavior-gap-investor-timing-cost</loc>
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      <news:publication_date>2026-08-02T10:19:08.066Z</news:publication_date>
      <news:title>The Behavior Gap: What Bad Timing Really Costs</news:title>
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    <loc>https://ledgertouch.com/blog/markets/crypto-fund-flow-data-coinshares</loc>
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      <news:title>What CoinShares Crypto Fund Flow Data Really Measures</news:title>
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    <loc>https://ledgertouch.com/blog/markets/energy-transition-metrics-asset-prices</loc>
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      <news:title>Energy Transition Metrics That Move Asset Prices</news:title>
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      <news:title>Eurozone Inflation Reaccelerated and the ECB Hiked</news:title>
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      <news:title>How Much Gold? The 5-10% Case and Its 45-Year Problem</news:title>
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    <loc>https://ledgertouch.com/blog/technology/maia-200-nvidia-pricing-power</loc>
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      <news:title>Microsoft Maia 200 and NVIDIA&#39;s Pricing Power</news:title>
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      <news:title>Rebalancing Frequency: Annual vs 5% Threshold Bands</news:title>
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      <news:title>What 20 Years of SPIVA Data Show About Active Funds</news:title>
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      <news:title>The Yield Curve in 2026: Bear Flattening, Then Steepening</news:title>
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