<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:news="http://www.google.com/schemas/sitemap-news/0.9">
  <url>
    <loc>https://ledgertouch.com/blog/portfolio-risk/60-40-portfolio-origin-and-assumptions</loc>
    <news:news>
      <news:publication>
        <news:name>LedgerTouch Intelligence</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-08-24T20:51:51.439Z</news:publication_date>
      <news:title>The 60/40 Portfolio: Where the Ratio Came From</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://ledgertouch.com/blog/portfolio-risk/cost-switching-funds-after-underperformance</loc>
    <news:news>
      <news:publication>
        <news:name>LedgerTouch Intelligence</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-08-24T20:51:51.439Z</news:publication_date>
      <news:title>The Cost of Switching Funds After Underperformance</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://ledgertouch.com/blog/portfolio-risk/fund-manager-tenure-performance-evidence</loc>
    <news:news>
      <news:publication>
        <news:name>LedgerTouch Intelligence</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-08-24T20:51:51.439Z</news:publication_date>
      <news:title>Fund Manager Tenure: What a Long Record Predicts</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://ledgertouch.com/blog/portfolio-risk/leveraged-portfolio-vs-60-40-drawdown</loc>
    <news:news>
      <news:publication>
        <news:name>LedgerTouch Intelligence</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-08-24T20:51:51.439Z</news:publication_date>
      <news:title>Leveraged Portfolio vs 60/40: 8 Points Apart in 2022</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://ledgertouch.com/blog/portfolio-risk/morningstar-star-rating-predictive-record</loc>
    <news:news>
      <news:publication>
        <news:name>LedgerTouch Intelligence</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-08-24T20:51:51.439Z</news:publication_date>
      <news:title>Morningstar Star Rating: The Record After 5 Stars</news:title>
    </news:news>
  </url>
  <url>
    <loc>https://ledgertouch.com/blog/portfolio-risk/survivorship-bias-fund-performance-data</loc>
    <news:news>
      <news:publication>
        <news:name>LedgerTouch Intelligence</news:name>
        <news:language>en</news:language>
      </news:publication>
      <news:publication_date>2026-08-24T20:51:51.439Z</news:publication_date>
      <news:title>Survivorship Bias: The Funds Missing From the Record</news:title>
    </news:news>
  </url>
</urlset>