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  <!-- ═══════════════════════════════════════════════
       HOMEPAGE
       ═══════════════════════════════════════════════ -->
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    <lastmod>2026-05-30</lastmod>
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  <!-- ═══════════════════════════════════════════════
       ADVISOR DIRECTORY — highest business value
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  <!-- ═══════════════════════════════════════════════
       KEY CONVERSION PAGES
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  <!-- ═══════════════════════════════════════════════
       GUIDES HUB
       ═══════════════════════════════════════════════ -->
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  <!-- ── Build a Portfolio ── -->
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  <url>
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    <lastmod>2026-05-29</lastmod>
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  <url>
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    <lastmod>2026-05-29</lastmod>
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  <url>
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    <lastmod>2026-05-29</lastmod>
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    <priority>0.6</priority>
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  <!-- ── Direct vs Regular ── -->
  <url>
    <loc>https://foliyo.ai/guides/direct-vs-regular/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
    <loc>https://foliyo.ai/guides/direct-vs-regular/elss-lock-in/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://foliyo.ai/guides/direct-vs-regular/expense-ratio-explained/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://foliyo.ai/guides/direct-vs-regular/find-arn-distributor/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://foliyo.ai/guides/direct-vs-regular/mis-sold-by-bank-rm/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
    <loc>https://foliyo.ai/guides/direct-vs-regular/tax-cost-of-switching/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- ── MF Taxation ── -->
  <url>
    <loc>https://foliyo.ai/guides/mf-taxation/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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    <lastmod>2026-05-29</lastmod>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- ── MF vs Alternatives (genuine comparisons — PMS articles use pms-qa/ below) ── -->
  <url>
    <loc>https://foliyo.ai/guides/mf-vs-alternatives/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ── MF Platforms ── -->
  <url>
    <loc>https://foliyo.ai/guides/mf-platforms/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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  <url>
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    <lastmod>2026-05-29</lastmod>
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    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- ── PMS Q&A (canonical location for all PMS articles) ── -->
  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
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  <url>
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    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- ── SIP Behavior ── -->
  <url>
    <loc>https://foliyo.ai/guides/sip-behavior/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <!-- ── SWP & Retirement ── -->
  <url>
    <loc>https://foliyo.ai/guides/swp-retirement/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://foliyo.ai/guides/swp-retirement/monthly-50k-without-depletion/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://foliyo.ai/guides/swp-retirement/tax-efficient-withdrawal/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ═══════════════════════════════════════════════
       BLOG
       ═══════════════════════════════════════════════ -->
  <url>
    <loc>https://foliyo.ai/blog/</loc>
    <lastmod>2026-05-29</lastmod>
    <changefreq>weekly</changefreq>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- ═══════════════════════════════════════════════
       SUPPORTING PRODUCT PAGES
       ═══════════════════════════════════════════════ -->
  <url>
    <loc>https://foliyo.ai/pms.html</loc>
    <lastmod>2026-05-29</lastmod>
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    <priority>0.4</priority>
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  <url>
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  <url>
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    <lastmod>2026-05-29</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.4</priority>
  </url>

  <!-- ═══════════════════════════════════════════════
       LEGAL / POLICY
       ═══════════════════════════════════════════════ -->
  <url>
    <loc>https://foliyo.ai/terms.html</loc>
    <lastmod>2026-01-01</lastmod>
    <changefreq>yearly</changefreq>
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