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world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/professional-conduct-in-a-hybrid-world/</loc><lastmod>2023-04-19T16:31:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24606', name: 'Aspiring towards service excellence', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/aspiring-towards-service-excellence/</loc><lastmod>2022-08-17T10:08:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '28169', name: 'Providing longterm value for your clients in a fastchanging world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/providing-long-term-value-for-your-clients-in-a-fast-changing-world/</loc><lastmod>2023-12-04T14:08:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30817', name: 'Navigating the ethical side of client data management', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/navigating-the-ethical-side-of-client-data-management/</loc><lastmod>2024-04-17T14:55:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31951', name: 'The case for awareness in personal investing', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/the-case-for-awareness-in-personal-investing/</loc><lastmod>2025-01-28T17:06:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32241', name: 'Preparing for the transition from FAIS to COFI', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/preparing-for-the-transition-from-fais-to-cofi/</loc><lastmod>2025-09-29T17:03:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: 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name: 'Tax and legal update: Burning questions answered', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/tax-and-legal-update-burning-questions-answered/</loc><lastmod>2025-03-28T11:27:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32311', name: 'Insights into the Adviser Barometer 2024/25: Structuring client propositions and investment advice', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/developing-your-advice-business/Insights-into-the-Adviser-Barometer-2024-25-Structuring-client-propositions-and-investment-advice/</loc><lastmod>2026-07-28T09:12:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32736', name: 'Insights into the Adviser Barometer 2024/25: The mechanics of running advice businesses', language: 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'en'--><loc>https://www.allangray.co.za/latest-insights/coo-comments/comments-from-the-chief-operating-officer/</loc><lastmod>2022-11-22T16:25:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '10752', name: '2015 Q3 Comments from the Chief Operating Officer', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/coo-comments/comments-from-the-chief-operating-officer2/</loc><lastmod>2022-11-22T16:35:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11561', name: '2015 Q4 Comments from the Chief Operating Officer', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/coo-comments/comments-from-the-chief-operating-officer3/</loc><lastmod>2022-11-22T16:40:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11976', name: '2016 Q1 Comments from the Chief Operating Officer', language: 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'en'--><loc>https://www.allangray.co.za/latest-insights/corporate-citizenship/about-the-newly-created-allan--gill-gray-foundation/</loc><lastmod>2022-12-14T12:01:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11961', name: 'New directors appointed', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/corporate-citizenship/allan-gray-appoints-new-directors/</loc><lastmod>2016-04-22T10:02:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12562', name: 'Allan Gray Orbis Foundation update 2016', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/corporate-citizenship/allan-gray-orbis-foundation-update5/</loc><lastmod>2023-04-18T14:39:58+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13714', name: 'Allan Gray Orbis Foundation update: What must rise?', language: 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before 31 Aug', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/corporate-citizenship/calling-all-grade-12s-who-want-to-be-part-of-transforming-education-in-sa-apply-before-31-august/</loc><lastmod>2017-08-17T14:37:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16702', name: 'Getting to the heart of education in South Africa', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/corporate-citizenship/getting-to-the-heart-of-education-in-south-africa/</loc><lastmod>2022-11-25T14:57:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16896', name: 'Allan Gray Orbis Foundation update', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/corporate-citizenship/allan-gray-orbis-foundation-update7/</loc><lastmod>2018-07-09T14:10:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17393', name: 'Introducing 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'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-triumph-of-the-bureaucrats/</loc><lastmod>2022-12-06T16:22:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11926', name: 'Uncertainty persists', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/uncertainty-persists/</loc><lastmod>2016-09-27T13:51:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12429', name: 'Managing portfolios in times of uncertainty', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/managing-portfolios-in-times-of-uncertainty/</loc><lastmod>2023-04-12T11:34:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12436', name: 'The economic consequences of political decisions', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-economic-consequences-of-political-decisions/</loc><lastmod>2023-04-19T16:32:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12437', name: 'How to think about risk in Nigeria', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/how-to-think-about-risk-in-nigeria/</loc><lastmod>2022-11-15T11:09:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12532', name: 'How to think about the rand when making investment decisions', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/how-to-think-about-the-rand-when-making-investment-decisions/</loc><lastmod>2023-05-16T14:25:49+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12553', name: 'Gold: A history of its price', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/gold-a-history-of-its-price/</loc><lastmod>2023-05-18T14:36:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13128', name: 'Investing in Africa’s debt markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/investing-in-africas-debt-markets/</loc><lastmod>2023-05-18T14:33:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13553', name: 'The winds of change', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-winds-of-change/</loc><lastmod>2017-01-06T09:33:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13712', name: 'A changing world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/a-changing-world/</loc><lastmod>2026-08-03T16:47:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13745', name: 'What is the sweet spot for the oil price?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/what-is-the-sweet-spot-for-the-oil-price/</loc><lastmod>2026-07-30T08:52:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13869', name: 'Tough times for African equities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/tough-times-for-african-equities/</loc><lastmod>2017-02-03T13:03:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '15269', name: 'South Africa’s economic outlook deteriorates', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/south-africas-economic-outlook-deteriorates/</loc><lastmod>2023-04-19T16:29:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '15334', name: 'Nigeria: Finding opportunities where others fear to tread', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/nigeria-finding-opportunities-where-others-fear-to-tread/</loc><lastmod>2023-05-18T14:32:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '15335', name: 'Should you have bonds in your portfolio?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/should-you-have-bonds-in-your-portfolio/</loc><lastmod>2023-05-18T14:32:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '15420', name: 'Valuation of Nigerian and Zimbabwean holdings in the Allan Gray Africa exSA Equity Fund', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/valuation-of-nigerian-and-zimbabwean-holdings-in-the-allan-gray-africa-ex-sa-equity-fund/</loc><lastmod>2022-11-15T11:09:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16383', name: 'SA economy in the doldrums as the rest of the world picks up', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/sa-economy-in-the-doldrums-as-the-rest-of-the-world-picks-up/</loc><lastmod>2023-05-16T14:29:18+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16393', name: 'The economics of taxation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-economics-of-taxation/</loc><lastmod>2023-05-08T13:52:18+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16500', name: 'Value investing in Nigeria', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/value-investing-in-nigeria/</loc><lastmod>2023-05-18T14:31:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16597', name: 'Invest in stocks with dividends, but put stop losses in place', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/invest-in-stocks-with-dividends-but-put-stop-losses-in-place/</loc><lastmod>2017-09-01T10:42:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16650', name: 'Is now the time to invest?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/is-now-the-time-to-invest/</loc><lastmod>2017-10-12T15:44:51+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16662', name: 'Facing a fiscal crisis', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/facing-a-fiscal-crisis/</loc><lastmod>2023-04-19T11:17:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16859', name: 'What can be done to address SA’s fiscal crisis?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/what-can-be-done-to-address-sas-fiscal-crisis/</loc><lastmod>2022-11-15T11:09:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16881', name: 'Fixing the South African economy', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/fixing-the-south-african-economy/</loc><lastmod>2022-11-25T14:58:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17254', name: 'Demystifying Africa’s debt markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/demystifying-africas-debt-markets/</loc><lastmod>2023-05-18T14:30:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17311', name: 'Business confidence improves in South Africa', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/business-confidence-improves-in-south-africa/</loc><lastmod>2023-02-02T10:06:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17696', name: 'Zimbabwe in transition', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/zimbabwe-in-transition/</loc><lastmod>2022-11-15T11:09:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17707', name: 'Approaching a tipping point?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/approaching-a-tipping-point/</loc><lastmod>2023-04-19T11:07:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17737', name: 'Increasing policy uncertainty', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/increasing-policy-uncertainty/</loc><lastmod>2018-07-20T16:00:23+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17783', name: 'SA needs to unlock its 'demographic dividend' by getting the private sector to invest', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/sa-needs-to-unlock-its-demographic-dividend-by-getting-the-private-sector-to-invest/</loc><lastmod>2023-04-12T11:39:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18279', name: 'Global growth accelerates but emerging markets under pressure', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-growth-accelerates-but-emerging-markets-under-pressure/</loc><lastmod>2018-10-05T13:41:29+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18308', name: 'A volatile quarter for emerging market equity and currency markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/a-volatile-quarter-for-emerging-market-equity-and-currency-markets/</loc><lastmod>2018-10-12T14:59:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18661', name: 'Global economy losing momentum', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-economy-losing-momentum/</loc><lastmod>2022-12-06T17:12:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18673', name: 'South Africa's fiscal dilemma', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/south-africas-fiscal-dilemma/</loc><lastmod>2023-04-19T16:31:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19126', name: 'Riding out volatility in African equity markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/riding-out-volatility-in-african-equity-markets/</loc><lastmod>2019-02-04T14:20:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19427', name: 'Finding value in frontier African markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/finding-value-in-frontier-african-markets/</loc><lastmod>2023-05-18T14:28:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19472', name: 'Global slowdown continues to take its toll', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-slowdown-continues-to-take-its-toll/</loc><lastmod>2019-04-26T15:45:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19572', name: 'Guarded optimism on new Zimbabwe dollar', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/guarded-optimism-on-new-zimbabwe-dollar/</loc><lastmod>2023-02-02T11:13:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19587', name: 'Global business conditions deteriorate', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-business-conditions-deteriorate/</loc><lastmod>2023-05-16T14:34:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19599', name: 'Trade wars', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/trade-wars/</loc><lastmod>2023-04-19T11:07:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19638', name: 'South African investors need to fall out of love with equities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/south-african-investors-need-to-fall-out-of-love-with-equities/</loc><lastmod>2019-08-22T11:04:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19707', name: 'Making sense of the rand', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/making-sense-of-the-rand/</loc><lastmod>2023-05-16T14:35:14+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19715', name: 'Economic update: A state of stagnation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/economic-update-a-state-of-stagnation/</loc><lastmod>2023-05-16T14:35:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19728', name: 'An age of anxiety', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/an-age-of-anxiety/</loc><lastmod>2023-05-18T14:27:11+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19733', name: 'Broadened horizons, local learnings', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/broadened-horizons-local-learnings/</loc><lastmod>2023-05-18T14:26:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19737', name: 'What can be done to improve South Africa’s prospects?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/what-can-be-done-to-improve-south-africas-prospects/</loc><lastmod>2023-04-18T14:11:58+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19913', name: 'Global growth slows', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-growth-slows/</loc><lastmod>2022-11-24T13:11:29+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19929', name: 'What lies ahead for Africa’s frontier markets?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/what-lies-ahead-for-africas-frontier-markets/</loc><lastmod>2023-04-12T13:30:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19955', name: 'Inflation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/inflation/</loc><lastmod>2023-05-08T12:20:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20004', name: 'Platinum can move the needle on the economic growth SA so desperately needs', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/platinum-can-move-the-needle-on-the-economic-growth-sa-so-desperately-needs/</loc><lastmod>2023-04-19T11:14:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20020', name: 'How could a ratings downgrade affect investors?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/how-could-a-ratings-downgrade-affect-investors/</loc><lastmod>2023-04-18T13:55:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20022', name: '2020 Budget: Managing the wage bill and fixing Eskom's credibility', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/2020-budget-managing-the-wage-bill-and-fixing-eskoms-credibility/</loc><lastmod>2023-04-19T11:17:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20040', name: 'A downgrade imposes a cost on all South Africans', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/a-downgrade-imposes-a-cost-on-all-south-africans/</loc><lastmod>2022-11-25T15:03:36+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20041', name: 'Making sense of current market conditions', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/making-sense-of-current-market-conditions/</loc><lastmod>2023-04-18T14:42:43+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20043', name: 'How will current market conditions impact our portfolios?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/how-will-current-market-conditions-impact-our-portfolios/</loc><lastmod>2023-04-18T14:42:43+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20101', name: 'Coronavirus: Taking stock of the state of the markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/coronavirus-taking-stock-of-the-state-of-the-markets/</loc><lastmod>2023-05-18T14:24:10+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20107', name: 'COVID19: Evaluating market risk versus opportunity', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-evaluating-market-risk-versus-opportunity/</loc><lastmod>2020-03-25T18:18:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20118', name: 'Impact of Moody's downgrade', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/impact-of-moodys-downgrade/</loc><lastmod>2022-11-25T15:03:36+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20141', name: 'COVID19: Q&A with Allan Gray portfolio managers', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-qa-with-allan-gray-portfolio-managers/</loc><lastmod>2023-02-02T10:14:07+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20156', name: 'COVID19: Looking to history to understand potential outcomes', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-looking-to-history-to-understand-potential-outcomes/</loc><lastmod>2023-05-18T14:23:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20175', name: 'The world after the COVID19 pandemic', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-world-after-the-covid-19-pandemic/</loc><lastmod>2022-11-25T15:01:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20187', name: 'COVID19: Is there longterm value in frontier markets?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-is-there-long-term-value-in-frontier-markets/</loc><lastmod>2023-02-02T10:10:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20208', name: 'Opinion: Counting the economic cost of South Africa’s lockdown', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/opinion-counting-the-economic-cost-of-south-africas-lockdown/</loc><lastmod>2022-12-06T16:22:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20341', name: 'Q&A with Allan Gray and Orbis: Investing beyond COVID19', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/qa-with-allan-gray-and-orbis-investing-beyond-covid-19/</loc><lastmod>2023-05-16T14:37:11+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20344', name: 'The monetary and fiscal response to the COVID19 crisis', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-monetary-and-fiscal-response-to-the-covid-19-crisis/</loc><lastmod>2023-04-19T11:12:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20345', name: 'Q&A: Understanding the economic context in which we must invest', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/qa-understanding-the-economic-context-in-which-we-must-invest/</loc><lastmod>2023-04-19T11:12:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20353', name: 'COVID19: Portfolio, economic and investment update', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-portfolio-economic-and-investment-update/</loc><lastmod>2023-05-16T14:37:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20482', name: 'COVID19 cracked the crystal ball', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-cracked-the-crystal-ball/</loc><lastmod>2023-05-16T14:51:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20561', name: 'COVID19 continues to rock the global economy', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-continues-to-rock-the-global-economy/</loc><lastmod>2023-05-08T12:20:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20769', name: 'Searching for value amid Africa’s disappointing equity returns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/searching-for-value-amid-africas-disappointing-equity-returns/</loc><lastmod>2023-04-12T11:41:10+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20850', name: 'Do fundamentals still matter?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/do-fundamentals-still-matter/</loc><lastmod>2023-05-18T14:21:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20891', name: 'The dangers of printing money', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-dangers-of-printing-money/</loc><lastmod>2023-04-19T11:19:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21186', name: 'Africa – too risky a place to invest?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/africa--too-risky-a-place-to-invest/</loc><lastmod>2020-10-22T15:16:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21205', name: 'Volatility in African securities: Evaluating risk and understanding the opportunities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/volatility-in-african-securities-evaluating-risk-and-understanding-the-opportunities/</loc><lastmod>2020-12-15T14:46:23+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21253', name: 'African sovereign and corporate listed bonds', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/african-sovereign-and-corporate-listed-bonds/</loc><lastmod>2020-12-15T14:52:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21288', name: 'Q&A with Allan Gray and Orbis', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/qa-with-allan-gray-and-orbis/</loc><lastmod>2023-04-19T16:03:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21295', name: 'African institutional investors', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/african-institutional-investors/</loc><lastmod>2020-12-15T14:59:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21317', name: 'COVID19 and the Fourth Industrial Revolution', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/covid-19-and-the-fourth-industrial-revolution/</loc><lastmod>2020-12-17T10:58:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21357', name: 'The impact of COVID19's second wave', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-impact-of-covid-19s-second-wave/</loc><lastmod>2022-11-24T13:02:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21390', name: 'America as seen from afar', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/america-as-seen-from-afar/</loc><lastmod>2021-07-07T14:35:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21407', name: 'African sovereign debt: Is a reality check looming?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/african-sovereign-debt-is-a-reality-check-looming/</loc><lastmod>2021-01-27T10:31:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21432', name: 'The state of the economy', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-state-of-the-economy/</loc><lastmod>2023-05-08T12:21:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21746', name: 'Global recovery underway', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-recovery-underway/</loc><lastmod>2023-05-16T14:38:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22132', name: 'Q&A with portfolio managers from Allan Gray and Orbis 2021', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/qa-with-portfolio-managers-from-allan-gray-and-orbis/</loc><lastmod>2023-05-16T14:39:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22741', name: 'Inflation returns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/inflation-returns/</loc><lastmod>2023-05-18T14:19:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22786', name: 'MPC rates decision: Where to from here?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/mpc-rates-decision-where-to-from-here/</loc><lastmod>2023-05-08T14:22:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23057', name: 'Lebanon’s financial collapse', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/lebanons-financial-collapse/</loc><lastmod>2023-05-18T14:18:54+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23063', name: 'Africa market bond exposure: Understanding the risks and opportunities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/africa-market-bond-exposure-understanding-the-risks-and-opportunities/</loc><lastmod>2023-05-18T14:18:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23120', name: 'Economic recovery accompanied by a surge in inflation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/economic-recovery-accompanied-by-a-surge-in-inflation/</loc><lastmod>2021-10-15T13:51:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23227', name: 'Can we expect an interest rate hike in November?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/can-we-expect-an-interest-rate-hike-in-november/</loc><lastmod>2023-05-08T14:22:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23287', name: 'The divided Committee draws a line in the sand, but gradually', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-divided-committee-draws-a-line-in-the-sand-but-gradually/</loc><lastmod>2021-11-30T08:30:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23615', name: 'Global economic recovery slower and more complex than expected', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-economic-recovery-slower-and-more-complex-than-expected/</loc><lastmod>2022-01-19T09:56:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23616', name: 'The trouble with municipalities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-trouble-with-municipalities/</loc><lastmod>2025-04-03T13:28:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23618', name: 'The transition into the postpandemic world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-transition-into-the-post-pandemic-world/</loc><lastmod>2023-04-18T14:11:10+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23642', name: 'Sticking to the slow and steady path of normalisation, for now', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/sticking-to-the-slow-and-steady-path-of-normalisation/</loc><lastmod>2022-01-28T12:43:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23690', name: '‘Hopeful Budget’ may strike right notes, but tax clarity and economic reforms are needed', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/hopeful-budget-may-strike-right-notes-but-tax-clarity-and-economic-reforms-are-needed/</loc><lastmod>2023-05-08T12:28:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23698', name: 'Q&A: Perspectives and positioning for 2022', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/qa-perspectives-and-positioning-for-2022/</loc><lastmod>2023-05-08T14:24:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23720', name: 'The long road to debt reform: SA’s Budget underwhelms bond investors', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-long-road-to-debt-reform-sas-budget-underwhelms-bond-investors/</loc><lastmod>2022-12-06T17:12:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23734', name: 'Understanding the impact of the Ukraine crisis on your investments', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/understanding-the-impact-of-the-ukraine-crisis-on-your-investments/</loc><lastmod>2023-04-12T13:22:58+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24001', name: 'Food price inflation: Are we watching “That ‘70s Show”?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/food-price-inflation-are-we-watching-that-70s-show/</loc><lastmod>2023-05-18T14:15:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24015', name: 'The SARB hikes rates as food inflation threatens to erode the income of the working class', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-sarb-hikes-rates-as-food-inflation-threatens-to-erode-the-income-of-the-working-class/</loc><lastmod>2022-05-20T12:26:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24503', name: 'Q&A with Allan Gray and Orbis: Positioning our portfolios for an inflationary environment', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/qa-with-allan-gray-and-orbis-positioning-our-portfolios-for-an-inflationary-environment/</loc><lastmod>2023-05-16T14:41:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24547', name: 'Whither inflation?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/whither-inflation/</loc><lastmod>2023-05-18T14:14:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24548', name: 'On the commodity boom and other South African fables (and foibles)', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/on-the-commodity-boom-and-other-south-african-fables-and-foibles/</loc><lastmod>2023-05-18T14:14:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24558', name: 'Podcast: Can optimism rise from the inflationary ashes?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/podcast-can-optimism-rise-from-the-inflationary-ashes/</loc><lastmod>2026-07-30T09:04:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24617', name: 'Podcast: Can South African investors continue to count on commodities?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/can-south-african-investors-continue-to-count-on-commodities/</loc><lastmod>2026-07-30T09:04:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '25673', name: 'The price of money, the shortage of energy, and the monster of inflation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-price-of-money-the-shortage-of-energy-and-the-monster-of-inflation/</loc><lastmod>2023-05-18T14:13:51+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26237', name: 'Global growth prospects continue to deteriorate', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/global-growth-prospects-continue-to-deteriorate/</loc><lastmod>2022-11-02T11:44:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26381', name: 'Economic update: A postpandemic new normal', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/economic-update-a-post-pandemic-new-normal/</loc><lastmod>2023-01-20T13:48:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26383', name: 'The threat of greylisting', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-threat-of-greylisting/</loc><lastmod>2023-05-08T14:04:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26391', name: 'Are inflationbeating returns on the horizon for money market investors in 2023?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/are-inflation-beating-returns-on-the-horizon-for-money-market-investors-in-2023/</loc><lastmod>2023-04-19T11:24:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26502', name: 'Massive market moves: How will they shape the years ahead?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/massive-market-moves-how-will-they-shape-the-years-ahead/</loc><lastmod>2026-07-30T09:05:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26540', name: 'The 2023 Budget: A crisis of credibility in the outer years of the forecast', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-2023-budget-a-crisis-of-credibility-in-the-outer-years-of-the-forecast/</loc><lastmod>2023-05-08T12:29:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26665', name: 'The consequences of South Africa’s greylisting', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-consequences-of-south-africas-greylisting/</loc><lastmod>2023-05-08T14:04:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26742', name: 'The new normal: What lies ahead?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-post-pandemic-new-normal-what-lies-ahead/</loc><lastmod>2026-07-30T09:07:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26762', name: 'Higherthanexpected rate hike improves South Africa’s attractiveness for investors', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/higher-than-expected-rate-hike-improves-south-africas-attractiveness-for-investors/</loc><lastmod>2023-04-12T10:53:07+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26801', name: 'Shedding dark on the issue of South Africa’s economic growth', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/shedding-dark-on-the-issue-of-south-africas-economic-growth/</loc><lastmod>2023-05-08T14:35:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27284', name: 'The prospects for global growth', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-prospects-for-global-growth/</loc><lastmod>2023-07-31T16:13:14+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27344', name: 'Currency dynamics and returns in emerging and frontier markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/currency-dynamics-and-returns-in-emerging-and-frontier-markets/</loc><lastmod>2023-07-31T17:10:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27481', name: 'Is South Africa winning the inflation battle?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/is-south-africa-winning-the-inflation-battle/</loc><lastmod>2023-09-26T16:57:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27644', name: 'The problem with a 12% yield', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-problem-with-a-12-yield/</loc><lastmod>2023-10-04T16:45:02+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27803', name: 'The inflation conversation is far from over', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-inflation-conversation-is-far-from-over/</loc><lastmod>2023-10-24T09:05:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '28233', name: 'Geopolitical and fiscal pressures mount as a major global election year kicks off', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/geopolitical-and-fiscal-pressures-mount-as-a-major-global-election-year-kicks-off/</loc><lastmod>2024-01-29T16:12:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '28253', name: 'Eskom: Are brighter days ahead?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/eskom-are-brighter-days-ahead/</loc><lastmod>2024-06-20T13:19:23+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '28791', name: 'What’s in store for interest rates in 2024?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/whats-in-store-for-interest-rates-in-2024/</loc><lastmod>2024-02-26T15:35:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30813', name: 'Frontier markets: Innovative industry leaders drive returns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/frontier-markets-innovative-industry-leaders-drive-returns/</loc><lastmod>2024-04-12T12:42:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30843', name: 'The trilliondollar endgame', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-trillion-dollar-endgame/</loc><lastmod>2024-05-02T16:33:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30939', name: 'Investment notes from the frontier', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/investment-notes-from-the-frontier/</loc><lastmod>2026-07-30T09:09:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31265', name: 'Election fever seizes the globe', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/election-fever-seizes-the-globe/</loc><lastmod>2024-07-09T07:29:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31800', name: 'How the great election year has shaped financial markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/how-the-great-election-year-has-shaped-financial-markets/</loc><lastmod>2026-07-30T09:10:07+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31806', name: 'After four years, South Africa gets repo rate relief', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/after-four-years-south-africa-gets-repo-rate-relief/</loc><lastmod>2024-09-20T16:12:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31807', name: 'Ratecutting cycle kicks off', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/rate-cutting-cycle-kicks-off/</loc><lastmod>2024-10-11T13:33:15+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31808', name: 'Seeking a bridge for South Africa’s troubled waters', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/seeking-a-bridge-for-south-africas-troubled-waters/</loc><lastmod>2025-03-28T13:39:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31920', name: 'The bonfire of the incumbents', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/the-bonfire-of-the-incumbents/</loc><lastmod>2025-06-09T16:41:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32008', name: 'Where investors fear to fish', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/where-investors-fear-to-fish/</loc><lastmod>2025-06-19T12:57:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32041', name: 'Rethinking global inflation and rates after the 2024 superelection year', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/rethinking-global-inflation-and-rates-after-the-2024-super-election-year/</loc><lastmod>2025-02-20T13:58:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32043', name: 'Navigating South Africa’s postelection economy', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/navigating-south-africas-post-election-economy/</loc><lastmod>2025-02-21T15:24:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32044', name: 'In conversation with SARS Commissioner Edward Kieswetter', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/in-conversation-with-sars-commissioner-edward-kieswetter/</loc><lastmod>2025-02-21T15:24:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32046', name: 'Could 2025 be the most consequential year in our lifetime?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/could-2025-be-the-most-consequential-year-in-our-lifetime/</loc><lastmod>2025-02-21T15:24:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32141', name: 'How money tells the story of humanity – with David McWilliams', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/how-money-tells-the-story-of-humanity--with-david-mcwilliams/</loc><lastmod>2026-07-30T09:10:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32318', name: 'Tariffs: The stealth tax', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/tariffs-the-stealth-tax/</loc><lastmod>2025-05-06T09:56:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32403', name: 'How to invest in a volatile market', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/how-to-invest-in-a-volatile-market/</loc><lastmod>2026-07-28T08:49:58+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32550', name: 'South Africa seems set for a lower inflation target', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/south-africa-seems-set-for-a-lower-inflation-target/</loc><lastmod>2026-07-28T08:49:18+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32558', name: 'Rebuilding the global monetary order with bricks of gold', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/rebuilding-the-global-monetary-order-with-bricks-of-gold/</loc><lastmod>2025-07-30T17:06:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32837', name: 'South Africa’s 3% inflation target', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/south-africas-3-inflation-target/</loc><lastmod>2025-08-21T16:23:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32920', name: 'Gold in the age of fiscal dominance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/gold-in-the-age-of-fiscal-dominance/</loc><lastmod>2026-07-30T09:10:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32943', name: 'USChina tension puts SA jobs and growth at risk', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/us-china-tension-puts-sa-jobs-and-growth-at-risk/</loc><lastmod>2026-07-27T14:55:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32979', name: 'Geopolitics in flux: The impact of fast, constant changes on South African markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/geopolitics-in-flux-the-impact-of-fast-constant-changes-on-south-african-markets/</loc><lastmod>2026-07-28T09:09:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33068', name: 'Central banks face a rates conundrum', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/central-banks-face-a-rates-conundrum/</loc><lastmod>2025-10-13T16:29:53+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33069', name: 'African markets outperform after a period of sluggish returns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/african-markets-outperform-after-a-period-of-sluggish-returns/</loc><lastmod>2025-10-14T17:04:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33154', name: 'Investment ideas that make us go hmmm – with Grant Williams', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/investment-ideas-that-make-us-go-hmmm--with-grant-williams/</loc><lastmod>2026-07-30T09:11:10+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33430', name: 'Tipping point or false dawn? South Africa’s defining question', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/tipping-point-or-false-dawn-south-africas-defining-question/</loc><lastmod>2026-07-28T08:48:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33494', name: '2026: A defining year for South Africa’s political direction', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/2026-a-defining-year-for-south-africas-political-direction/</loc><lastmod>2026-02-11T12:29:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33497', name: 'In conversation with chief investment officers', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/in-conversation-with-chief-investment-officers/</loc><lastmod>2026-02-11T12:29:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33500', name: 'Taking advantage of opportunities in the fixed interest and income universe', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/taking-advantage-of-opportunities-in-the-fixed-interest-and-income-universe/</loc><lastmod>2026-04-01T12:23:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33507', name: 'Why should emerging and frontier markets be considered within a diversified portfolio?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/why-should-emerging-and-frontier-markets-be-considered-within-a-diversified-portfolio/</loc><lastmod>2026-02-11T12:30:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34328', name: 'South Africa’s reform test: Fleeting gains or fundamental change?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/south-africas-reform-test-fleeting-gains-or-fundamental-change/</loc><lastmod>2026-07-30T09:11:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34342', name: 'Frontier Markets Equity Fund: Focusing on value amid market volatility', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/frontier-markets-equity-fund-focusing-on-value-amid-market-volatility/</loc><lastmod>2026-04-14T12:21:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34354', name: 'Investing through disruption: Lessons from history for the age of AI', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/investing-through-disruption-lessons-from-history-for-the-age-of-ai/</loc><lastmod>2026-07-27T15:00:36+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34482', name: 'Beyond the narratives: Investing through uncertainty', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/beyond-the-narratives-investing-through-uncertainty/</loc><lastmod>2026-06-01T17:30:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34651', name: 'Developed market government borrowing costs are at a 20year flashpoint', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/markets-and-economy/developed-market-government-borrowing-costs-are-at-a-20-year-flashpoint/</loc><lastmod>2026-07-23T15:25:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '588', name: 'Delays to retirement reform shouldn't mean delays to your retirement savings', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/delays-to-retirement-reform-shouldnt-mean-delays-to-your-retirement-savings/</loc><lastmod>2026-08-05T11:25:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1093', name: 'How to ensure your retirement income goes the distance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/how-to-ensure-your-retirement-income-goes-the-distance/</loc><lastmod>2023-08-08T11:17:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1416', name: 'Retirement reform: How will the changes affect you?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/retirement-reform-how-will-the-changes-affect-you/</loc><lastmod>2023-05-19T09:49:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1426', name: 'Group retirement annuities bolstered by retirement reform', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/group-retirement-annuities-bolstered-by-retirement-reform/</loc><lastmod>2026-08-05T11:22:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1442', name: 'Planning for income post retirement', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/planning-for-income-post-retirement/</loc><lastmod>2023-08-08T14:22:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1507', name: 'Do the more restrictive individual investment limits on RAs outweigh their tax benefits?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/do-the-more-restrictive-individual-investment-limits-on-ras-outweigh-their-tax-benefits/</loc><lastmod>2023-08-03T17:02:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1556', name: 'Making sense of the revised retirement fund regulations', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/making-sense-of-the-revised-retirement-fund-regulations/</loc><lastmod>2025-06-09T16:05:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1581', name: 'Living annuities for life', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/living-annuities-for-life/</loc><lastmod>2023-05-19T09:50:18+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1612', name: 'Solving the problem of retirement funding for small and mediumsize businesses', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/solving-the-problem-of-retirement-funding-for-small-and-medium-size-businesses/</loc><lastmod>2025-04-03T11:49:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1640', name: 'Early withdrawals from your retirement savings can be taxing', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/early-withdrawals-from-your-retirement-savings-can-be-taxing/</loc><lastmod>2023-08-03T17:04:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1651', name: 'Retirement fund reform  still debated', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/retirement-fund-reform---still-debated/</loc><lastmod>2023-05-19T09:57:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1671', name: 'Convert part of your tax bill into retirement savings', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/convert-part-of-your-tax-bill-into-retirement-savings/</loc><lastmod>2023-05-19T09:50:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1692', name: 'Regulatory update: Get up to speed before yearend', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/regulatory-update-get-up-to-speed-before-year-end/</loc><lastmod>2023-08-08T14:30:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1744', name: 'Retirement fund withdrawals and tax', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/retirement-fund-withdrawals-and-tax/</loc><lastmod>2023-08-08T15:27:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1746', name: 'Consider your lifestyle inflation when saving for retirement', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/consider-your-lifestyle-inflation-when-saving-for-retirement/</loc><lastmod>2023-08-03T16:31:53+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1818', name: 'February: A good month to review your retirement plans and bump up your retirement savings', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/february-a-good-month-to-review-your-retirement-plans-and-bump-up-your-retirement-savings/</loc><lastmod>2019-12-19T17:22:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1824', name: 'Make sustainability a priority when planning your retirement income', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/make-sustainability-a-priority-when-planning-your-retirement-income/</loc><lastmod>2023-05-19T09:51:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1844', name: 'Retirement annuities: still an attractive choice for retirement savings', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/retirement-annuities-still-an-attractive-choice-for-retirement-savings/</loc><lastmod>2023-05-19T09:52:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1874', name: 'Working with the new retirement fund regulations', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/working-with-the-new-retirement-fund-regulations/</loc><lastmod>2023-08-08T16:30:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '3360', name: 'Life in a month', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/life-in-a-month/</loc><lastmod>2023-05-19T09:52:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11415', name: 'Empower your staff with a Group RA', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/empower-your-staff-with-a-group-ra/</loc><lastmod>2026-08-03T16:51:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11459', name: 'More for the future you, less for the tax man', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/more-for-the-future-you-less-for-the-tax-man/</loc><lastmod>2023-08-08T14:00:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11658', name: 'Welcome amendments to retirement reform', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/welcome-amendments-to-retirement-reform/</loc><lastmod>2023-08-08T16:27:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11759', name: 'What you need to know about the retirement fund changes', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/what-you-need-to-know-about-the-retirement-fund-changes/</loc><lastmod>2023-05-09T15:37:58+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11983', name: 'How to save for a comfortable retirement', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/how-to-save-for-a-comfortable-retirement/</loc><lastmod>2023-08-08T11:36:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12948', name: 'PART 10: Retiring? 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Some questions to ask before you hang up your boots', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-9-when-can-i-retire-some-questions-to-ask-before-you-hang-up-your-boots/</loc><lastmod>2023-08-08T14:20:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12950', name: 'PART 8: What can I do if I don’t have enough money to retire?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-8-what-can-i-do-if-i-dont-have-enough-money-to-retire/</loc><lastmod>2023-08-08T14:19:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12951', name: 'PART 7: How much is enough when saving for retirement?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-7-how-much-is-enough-when-saving-for-retirement/</loc><lastmod>2023-05-19T09:53:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12954', name: 'PART 6: How do retirement products work?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-6-how-do-retirement-products-work/</loc><lastmod>2023-08-08T14:17:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12956', name: 'PART 5: What's the difference between retirement products?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-5-whats-the-difference-between-retirement-products/</loc><lastmod>2026-08-05T11:28:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12959', name: 'PART 4: How to save for retirement: Tips to get you started', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-4-how-to-save-for-retirement-tips-to-get-you-started/</loc><lastmod>2023-08-08T14:15:14+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12960', name: 'PART 3: When to start saving for retirement', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-3-when-to-start-saving-for-retirement/</loc><lastmod>2023-08-08T14:13:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12963', name: 'PART 2: Why saving for retirement makes sense', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-2-why-saving-for-retirement-makes-sense/</loc><lastmod>2023-04-19T11:18:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12964', name: 'PART 1: Why save for retirement?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/part-1-why-save-for-retirement/</loc><lastmod>2023-08-08T14:06:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13927', name: 'What are the tax benefits of contributing to a retirement annuity?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/let-sars-help-you-pay-for-retirement/</loc><lastmod>2023-04-19T11:07:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '15336', name: 'Introducing the Allan Gray Umbrella Retirement Fund 2017', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/introducing-the-allan-gray-umbrella-retirement-fund/</loc><lastmod>2023-08-08T11:40:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16365', name: 'Introducing the Allan Gray Umbrella Retirement Fund', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/introducing-the-allan-gray-umbrella-retirement-fund-presentation/</loc><lastmod>2023-04-19T16:15:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16368', name: 'How do I know I’m on track with my retirement savings?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/how-do-i-know-im-on-track/</loc><lastmod>2023-08-03T17:08:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16427', name: 'The trick to retiring with enough', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/retirement/the-trick-to-retiring-with-enough/</loc><lastmod>2023-05-19T09:48:18+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16601', name: 'Retiring or withdrawing? 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'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/how-to-resist-the-lure-of-the-herd/</loc><lastmod>2023-05-19T11:38:51+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16362', name: 'How our unit trusts are positioned for the current environment', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/how-our-unit-trusts-are-positioned-for-the-current-environment/</loc><lastmod>2023-01-04T14:09:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16407', name: 'Striking a balance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/striking-a-balance/</loc><lastmod>2023-05-19T11:00:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16440', name: 'Balanced Fund update: Unloved stocks present buying opportunities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/balanced-fund-update-unloved-stocks-present-buying-opportunities/</loc><lastmod>2018-10-23T14:50:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16457', name: 'If South Africa was a company would you include it in your portfolio?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/if-south-africa-was-a-company-would-you-include-it-in-your-portfolio/</loc><lastmod>2018-10-23T14:50:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16491', name: 'SNAPSHOT: Allan Gray Equity Fund', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/snapshot-allan-gray-equity-fund/</loc><lastmod>2018-10-23T14:50:02+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16497', name: 'How to be a discerning investor', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/listen-how-to-be-a-discerning-investor/</loc><lastmod>2026-07-30T09:33:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16663', name: 'Balanced Fund update: An increased weighting towards local stocks', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/balanced-fund-update-an-increased-weighting-towards-local-stocks/</loc><lastmod>2018-10-23T14:49:58+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16711', name: 'Stable Fund update: Justifying a higher net equity weighting in challenging times', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/stable-fund-update-justifying-a-higher-net-equity-weighting-in-challenging-times/</loc><lastmod>2023-04-18T14:40:49+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16715', name: 'Equity Fund update: Patience is key in investing', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/equity-fund-update-patience-is-key-in-investing/</loc><lastmod>2023-04-18T14:41:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16876', name: 'Equity Fund update: Reversal of fortunes for domestically orientated sectors', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/equity-fund-update-reversal-of-fortunes-for-domestically-orientated-sectors/</loc><lastmod>2023-05-16T14:32:51+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16884', name: 'How are our portfolios positioned to protect and grow our clients' capital?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/how-are-our-portfolios-positioned-to-protect-and-grow-our-clients-capital/</loc><lastmod>2023-05-19T10:59:18+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17356', name: 'Money Market Fund update: Lower yields suggest lower future money market returns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/money-market-fund-update-lower-yields-suggest-lower-future-money-market-returns/</loc><lastmod>2018-10-23T14:49:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17358', name: 'Equity Fund update: Focus turns to locally listed international businesses', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/equity-fund-update-focus-turns-to-locally-listed-international-businesses/</loc><lastmod>2023-05-08T14:19:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17580', name: 'Are you overly exposed to China?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/are-you-overly-exposed-to-china/</loc><lastmod>2023-05-19T10:58:23+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17630', name: 'Structural challenges to business models', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/structural-challenges-to-business-models/</loc><lastmod>2023-05-19T10:57:54+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18326', name: 'Allan Gray Equity Fund's 20th Anniversary', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/allan-gray-equity-funds-20th-anniversary/</loc><lastmod>2023-05-19T10:57:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18567', name: 'Is cash king?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/is-cash-king/</loc><lastmod>2023-05-19T10:56:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18582', name: 'Understanding recent performance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/understanding-recent-performance/</loc><lastmod>2021-07-08T17:14:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18648', name: 'The upside of down markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/the-upside-of-down-markets/</loc><lastmod>2023-02-01T14:58:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18677', name: 'Is it time to invest in listed property?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/is-it-time-to-invest-in-listed-property/</loc><lastmod>2023-05-19T10:55:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19173', name: 'Equity Fund update: Taking a look at British American Tobacco', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/equity-fund-update-taking-a-look-at-british-american-tobacco/</loc><lastmod>2019-02-08T15:34:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19188', name: 'The year of payback', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/the-year-of-payback/</loc><lastmod>2019-02-15T16:19:53+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19269', name: 'The dash for cash', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/the-dash-for-cash/</loc><lastmod>2023-05-19T10:55:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19358', name: 'Is a money market fund right for you right now?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/is-a-money-market-fund-right-for-you-right-now/</loc><lastmod>2023-01-05T10:45:12+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19447', name: 'Stable Fund: Are we meeting our objectives?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/stable-fund-are-we-meeting-our-objectives/</loc><lastmod>2023-05-19T10:54:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19478', name: 'Balanced Fund update: An improved opportunity set', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/balanced-fund-update-an-improved-opportunity-set/</loc><lastmod>2023-04-19T16:02:54+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19525', name: 'Valuations matter', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/valuations-matter/</loc><lastmod>2023-05-19T10:53:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19600', name: 'Is it 2002 all over again? Not quite', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/is-it-2002-all-over-again-not-quite/</loc><lastmod>2023-05-19T10:53:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19637', name: 'Is it time for equity investors to party like it’s 2002?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/is-it-time-for-equity-investors-to-party-like-its-2002/</loc><lastmod>2023-05-08T12:25:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19738', name: 'How to construct a portfolio for a range of outcomes', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/how-to-construct-a-portfolio-for-a-range-of-outcomes/</loc><lastmod>2023-05-19T10:52:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19765', name: 'Negativity can often present opportunity', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/negativity-can-often-present-opportunity/</loc><lastmod>2023-05-19T10:52:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19847', name: 'Two decades for the Allan Gray Balanced Fund', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/two-decades-for-the-allan-gray-balanced-fund/</loc><lastmod>2023-05-19T10:51:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19947', name: 'How to invest in challenging times', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/how-to-invest-in-challenging-times/</loc><lastmod>2023-04-19T11:12:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19948', name: 'In pursuit of undervalued assets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/in-pursuit-of-undervalued-assets/</loc><lastmod>2023-04-18T14:14:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19956', name: 'Should you invest in bonds?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/should-you-invest-in-bonds/</loc><lastmod>2023-05-19T10:50:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20170', name: 'The end of the free lunch', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/the-end-of-the-free-lunch/</loc><lastmod>2023-02-01T14:54:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20176', name: 'Positioning our portfolios for growth beyond COVID19', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/positioning-our-portfolios-for-growth-beyond-covid-19/</loc><lastmod>2023-05-19T10:50:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20210', name: 'Perspectives and portfolio positioning amid COVID19', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/perspectives-and-portfolio-positioning-amid-covid-19/</loc><lastmod>2023-02-01T13:46:29+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20335', name: 'Investing during lockdown and beyond', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/investing-during-lockdown-and-beyond/</loc><lastmod>2023-04-19T11:12:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20346', name: 'Do bonds offer opportunity in a post COVID19 world?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/do-bonds-offer-opportunity-in-a-post-covid-19-world/</loc><lastmod>2023-04-19T11:02:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20419', name: 'Do South African banks offer value in a COVID19 battered world?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/do-south-african-banks-offer-value-in-a-covid-19-battered-world/</loc><lastmod>2023-05-19T10:49:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20679', name: 'Equity Fund update: Investing amid extreme price moves', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/equity-fund-update-investing-amid-extreme-price-moves/</loc><lastmod>2023-05-08T12:25:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20734', name: 'Equity Fund update: In pursuit of potential', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/equity-fund-update-in-pursuit-of-potential/</loc><lastmod>2022-12-22T15:33:02+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20793', name: 'The Allan Gray Stable Fund turns 20', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/the-allan-gray-stable-fund-turns-20/</loc><lastmod>2023-04-19T11:02:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20817', name: 'Allan Gray Stable Fund turns 20', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/allan-gray-stable-fund-turns-20/</loc><lastmod>2023-04-19T11:12:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20894', name: 'The Stable Fund at 20', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/the-stable-fund-at-20/</loc><lastmod>2023-05-19T10:48:12+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20897', name: 'Prospects look promising', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/prospects-look-promising/</loc><lastmod>2023-05-19T10:47:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20949', name: 'Flagship funds: Prospects look promising', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/flagship-funds-prospects-look-promising/</loc><lastmod>2023-05-19T10:47:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20970', name: 'Easy monetary policy to remain a feature for the foreseeable future', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/easy-monetary-policy-to-remain-a-feature-for-the-foreseeable-future/</loc><lastmod>2023-04-19T16:17:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20971', name: 'Anaemic rate environment for money market funds', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/anaemic-rate-environment-for-money-market-funds/</loc><lastmod>2023-04-19T11:02:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21282', name: 'Balancing risk and opportunity', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/balancing-risk-and-opportunity/</loc><lastmod>2022-12-22T15:20:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21398', name: 'Investment update: Taking advantage of disparities in the market', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/investment-update-taking-advantage-of-disparities-in-the-market/</loc><lastmod>2023-01-05T10:43:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21431', name: 'Balanced Fund: Optionality, the most unappreciated asset', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/balanced-fund-optionality-the-most-unappreciated-asset/</loc><lastmod>2023-05-19T10:45:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21435', name: 'Balanced Fund: Perspectives and positioning', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/balanced-fund-perspectives-and-positioning/</loc><lastmod>2023-05-16T14:54:23+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21692', name: 'Equity Fund: Fishing in muddy waters', language: 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volatility', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/balanced-fund-building-quality-through-market-volatility/</loc><lastmod>2026-07-10T17:02:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34587', name: 'Stable Fund: A tale of two market narratives', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/local-investing/stable-fund-a-tale-of-two-market-narratives/</loc><lastmod>2026-07-10T16:55:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '557', name: 'Orbis Funds: Reflecting on 2014 and looking ahead', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-funds-reflecting-on-2014-and-looking-ahead/</loc><lastmod>2023-05-19T12:07:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '572', name: 'Orbis Global Balanced Fund: Balancing risk and reward', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-balanced-fund-balancing-risk-and-reward2/</loc><lastmod>2026-07-29T15:10:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '586', name: 'Orbis Global Equity: Guided by our investment philosophy', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-guided-by-our-investment-philosophy/</loc><lastmod>2023-05-19T12:08:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1074', name: 'Orbis funds: Finding the best longterm value for clients', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-funds-finding-the-best-long-term-value-for-clients/</loc><lastmod>2023-05-19T12:08:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1075', name: 'The same contrarian approach from Cape Town to Canberra', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-same-contrarian-approach-from-cape-town-to-canberra/</loc><lastmod>2023-05-19T12:09:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1099', name: 'Finding value in global markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/finding-value-in-global-markets/</loc><lastmod>2023-05-19T12:09:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1329', name: 'Hunting for compelling opportunities in the current environment', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/hunting-for-compelling-opportunities-in-the-current-environment/</loc><lastmod>2023-05-19T12:10:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1401', name: 'Orbis Global Equity Fund: A reversal of fortunes', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-fund-a-reversal-of-fortunes/</loc><lastmod>2023-05-19T12:10:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1402', name: 'Access global investment opportunities via our offshore platform', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/access-global-investment-opportunities-via-our-offshore-platform/</loc><lastmod>2023-04-12T16:33:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1410', name: 'Do not confuse stability with safety', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/do-not-confuse-stability-with-safety/</loc><lastmod>2023-05-19T12:10:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1411', name: 'Equity opportunities down under', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/equity-opportunities-down-under/</loc><lastmod>2023-05-19T12:11:29+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1415', name: 'Investing offshore to reduce portfolio risk', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/investing-offshore-to-reduce-portfolio-risk/</loc><lastmod>2023-05-19T12:11:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1434', name: 'Drilling into the detail of oil and gas investments', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/drilling-into-the-detail-of-oil-and-gas-investments/</loc><lastmod>2023-05-19T12:12:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1441', name: 'A healthy approach', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/a-healthy-approach/</loc><lastmod>2023-05-19T12:13:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1459', name: 'Investing: a history of bubbles', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/investing-a-history-of-bubbles/</loc><lastmod>2023-05-19T12:13:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1467', name: 'High correlations present challenges', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/high-correlations-present-challenges/</loc><lastmod>2023-05-19T12:13:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1472', name: 'Things you can control, and things you cannot', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/things-you-can-control-and-things-you-cannot/</loc><lastmod>2023-05-19T12:14:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1535', name: 'Japan: economic pessimism creates buying opportunities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/japan-economic-pessimism-creates-buying-opportunities/</loc><lastmod>2023-05-19T12:14:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1542', name: 'Understanding your offshore investment options', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/understanding-your-offshore-investment-options/</loc><lastmod>2023-05-19T12:14:43+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1607', name: 'Responding to challenging times', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/responding-to-challenging-times/</loc><lastmod>2023-05-19T12:14:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1633', name: 'When is bad news good news?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/when-is-bad-news-good-news/</loc><lastmod>2023-05-19T12:15:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1643', name: 'The story is in the stocks', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-story-is-in-the-stocks/</loc><lastmod>2023-05-19T12:15:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1647', name: 'Launch of the Allan GrayOrbis Global Optimal Fund of Funds', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/launch-of-the-allan-gray-orbis-global-optimal-fund-of-funds/</loc><lastmod>2023-05-19T12:15:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1656', name: 'Tough to be different', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/tough-to-be-different/</loc><lastmod>2023-05-19T12:16:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1738', name: 'Introducing the Orbis Global Balanced Fund', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/introducing-the-orbis-global-balanced-fund/</loc><lastmod>2023-05-19T12:16:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1745', name: 'How to access investment opportunities in Asia', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/how-to-access-investment-opportunities-in-asia/</loc><lastmod>2023-05-19T12:17:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1761', name: 'Accessing foreign investment opportunities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/accessing-foreign-investment-opportunities/</loc><lastmod>2023-05-19T12:17:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1815', name: 'Adding fund ratings to our Offshore Platform', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/adding-fund-ratings-to-our-offshore-platform/</loc><lastmod>2023-05-19T12:17:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '8393', name: 'The case for active management', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-case-for-active-management/</loc><lastmod>2023-05-19T12:18:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '8455', name: 'A tale of two crises', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/a-tale-of-two-crises/</loc><lastmod>2018-04-19T18:51:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '10746', name: 'Contrarian investing and different performance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/contrarian-investing-and-different-performance/</loc><lastmod>2023-05-19T12:18:53+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '10747', name: 'Valuation dispersion and opportunities to beat the market in Australia', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/valuation-dispersion-and-opportunities-to-beat-the-market-in-australia/</loc><lastmod>2023-05-19T12:19:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11435', name: 'Orbis: Buying carefully in indiscriminate selloffs', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-buying-carefully-in-indiscriminate-selloffs/</loc><lastmod>2023-05-19T12:19:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11563', name: 'Discipline is key', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/discipline-is-key/</loc><lastmod>2023-05-19T12:19:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11982', name: 'Playing a loser's game', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/playing-a-losers-game/</loc><lastmod>2023-05-19T12:20:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12129', name: 'Broaden your horizons with offshore investments', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/broaden-your-horizons-with-offshore-investments/</loc><lastmod>2023-05-16T14:23:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12555', name: 'XPO Logistics: Diversification through owning both shares and bonds', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/xpo-logistics-diversification-through-owning-both-shares-and-bonds/</loc><lastmod>2023-05-19T12:20:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12640', name: 'Should you invest offshore at R15/US$?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/should-you-invest-offshore-at-r15us$/</loc><lastmod>2023-05-16T14:27:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '12987', name: 'Orbis: Not just looking for cheap stocks', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-not-just-looking-for-cheap-stocks/</loc><lastmod>2023-04-19T16:03:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13134', name: 'Pursuing longterm returns without simply reaching for risk', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/pursuing-long-term-returns-without-simply-reaching-for-risk/</loc><lastmod>2023-05-19T12:21:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13468', name: 'Something’s got to give...', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/somethings-got-to-give/</loc><lastmod>2025-06-13T11:33:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13610', name: 'Protect your buying power by investing offshore', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/protect-your-buying-power-by-investing-offshore/</loc><lastmod>2026-07-30T09:39:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '13715', name: 'Global perspective: Do value shares deserve to be this cheap?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/global-perspective-do-value-shares-deserve-to-be-this-cheap/</loc><lastmod>2023-05-19T12:22:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '14803', name: 'Beware the siren song of growth', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/beware-the-siren-song-of-growth/</loc><lastmod>2023-05-19T12:22:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '15343', name: 'Orbis: Are there any bargains out there?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-are-there-any-bargains-out-there/</loc><lastmod>2023-04-20T13:38:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16169', name: 'Orbis: Two myths about emerging market equities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-two-myths-about-emerging-market-equities/</loc><lastmod>2023-05-19T12:23:07+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16304', name: 'How to pick offshore investments for longterm wealth creation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/how-to-pick-offshore-investments-for-long-term-wealth-creation/</loc><lastmod>2023-05-19T12:23:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16337', name: 'Why the classic 60/40 is dangerous', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/why-the-classic-6040-is-dangerous/</loc><lastmod>2023-04-20T14:17:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16363', name: 'Key buckets of opportunities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/key-buckets-of-opportunities/</loc><lastmod>2023-04-19T11:11:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16402', name: 'Tech stocks: Is history repeating itself?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/tech-stocks-is-history-repeating-itself/</loc><lastmod>2023-05-19T12:24:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16619', name: 'Global jitters: Avoid safe havens, opportunity in overlooked sectors', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/global-jitters-avoid-safe-havens-opportunity-in-overlooked-sectors/</loc><lastmod>2023-04-18T14:41:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16622', name: 'Orbis: Tech can be contrarian  if the price is right', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-tech-can-be-contrarian---if-the-price-is-right/</loc><lastmod>2023-05-19T12:24:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16698', name: 'Emerging market equities: looking beyond the megacaps', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/emerging-market-equities-looking-beyond-the-mega-caps/</loc><lastmod>2023-05-19T12:24:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16739', name: 'What taxes do I pay when I invest offshore?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/what-taxes-do-i-pay-when-i-invest-offshore/</loc><lastmod>2023-05-19T12:24:56+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16742', name: 'Finding value in an overvalued world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/finding-value-in-an-over-valued-world/</loc><lastmod>2026-07-21T12:53:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16760', name: 'Will traditional car manufacturers be driven off the road by their electric counterparts?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/will-traditional-car-manufacturers-be-driven-off-the-road-by-their-electric-counterparts/</loc><lastmod>2026-07-30T09:42:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '16890', name: 'The global opportunity set', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-global-opportunity-set/</loc><lastmod>2023-05-08T14:16:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17240', name: 'Q&A: Orbis Global Equity Fund', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/qa-orbis-global-equity-fund/</loc><lastmod>2023-04-20T13:57:36+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17286', name: 'Currency matters', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/currency-matters/</loc><lastmod>2023-05-19T12:26:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17345', name: 'Orbis Global Equity: Investing differently', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-investing-differently/</loc><lastmod>2023-05-19T12:26:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17347', name: 'Do you need to rethink your offshore investment exposure?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/do-you-need-to-rethink-your-offshore-investment-exposure/</loc><lastmod>2023-05-19T12:25:53+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17400', name: 'Allan GrayOrbis Global Fund of Funds update: Balancing risk and return', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/allan-gray-orbis-global-fund-of-funds-update-balancing-risk-and-return/</loc><lastmod>2018-05-22T16:55:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17636', name: 'Adopt a global mindset for longterm investment success', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/adopt-a-global-mind-set-for-long-term-investment-success/</loc><lastmod>2023-05-19T12:07:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17664', name: 'Cloudy crystal ball', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/cloudy-crystal-ball/</loc><lastmod>2023-05-19T12:06:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17712', name: 'Orbis: How to balance risk and return in the current environment', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-how-to-balance-risk-and-return-in-the-current-environment/</loc><lastmod>2023-05-19T12:06:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17825', name: 'Offshore investing: Not a popularity contest', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/offshore-investing-not-a-popularity-contest/</loc><lastmod>2023-05-16T14:49:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18269', name: 'What is a good offshore strategy?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/what-is-a-good-offshore-strategy/</loc><lastmod>2023-05-16T14:34:12+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18343', name: 'Orbis Global Equity Fund: Unpacking recent performance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-fund-unpacking-recent-performance/</loc><lastmod>2023-05-19T12:05:49+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18365', name: 'The role of currency when investing offshore', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-role-of-currency-when-investing-offshore/</loc><lastmod>2023-04-20T14:08:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19057', name: 'Orbis: Positioning portfolios for longterm performance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-positioning-portfolios-for-long-term-performance/</loc><lastmod>2023-05-19T12:05:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19061', name: 'Simplifying offshore investing', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/simplifying-offshore-investing/</loc><lastmod>2023-05-19T12:05:10+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19298', name: 'Orbis: Key detractors from recent performance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-key-detractors-from-recent-performance/</loc><lastmod>2023-04-28T13:40:18+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19326', name: 'Allan GrayOrbis randdenominated offshore unit trusts open; living annuity offshore limits removed', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/allan-gray-orbis-rand-denominated-offshore-unit-trusts-open-living-annuity-offshore-limits-removed/</loc><lastmod>2023-04-12T16:54:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19359', name: 'Orbis: Can you be patient and excited at the same time?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-can-you-be-patient-and-excited-at-the-same-time/</loc><lastmod>2023-04-26T09:53:36+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19443', name: 'Orbis: Hunting for value', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-hunting-for-value/</loc><lastmod>2023-05-19T12:04:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19499', name: 'Capital: Can companies have too much of a good thing?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/capital-can-companies-have-too-much-of-a-good-thing/</loc><lastmod>2019-05-17T11:35:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19521', name: 'Orbis: Perspectives on the portfolio', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-perspectives-on-the-portfolio/</loc><lastmod>2023-05-19T12:04:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19536', name: 'How to diversify efficiently from South Africa', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/how-to-diversify-efficiently-from-south-africa/</loc><lastmod>2023-05-08T14:27:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19544', name: 'Orbis: A meaningfully improved fee structure', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-a-meaningfully-improved-fee-structure/</loc><lastmod>2023-05-19T12:03:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19557', name: 'Changes to Orbis’ fee structure – good news for investors', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/changes-to-orbis-fee-structure--good-news-for-investors/</loc><lastmod>2019-06-27T16:53:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19598', name: 'Ballot underway for Allan GrayOrbis Global Fund of Funds', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/ballot-underway-for-allan-gray-orbis-global-fund-of-funds/</loc><lastmod>2023-05-19T12:27:10+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19608', name: 'Orbis: enthusiasm for the portfolio', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-enthusiasm-for-the-portfolio/</loc><lastmod>2023-05-19T12:26:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19670', name: 'Orbis: There are bigger risks than swimming against the tide', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-there-are-bigger-risks-than-swimming-against-the-tide/</loc><lastmod>2023-05-19T12:03:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19744', name: 'Orbis: Is value investing dead?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-is-value-investing-dead/</loc><lastmod>2023-05-19T12:02:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19787', name: 'Q&A: Understanding Orbis’ performance and potential', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/qa-understanding-orbis-performance-and-potential/</loc><lastmod>2019-10-29T14:35:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19793', name: 'Orbis: Contrarian investing in an unconventional environment', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-contrarian-investing-in-an-unconventional-environment/</loc><lastmod>2023-05-19T12:02:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19962', name: 'Orbis: Well positioned for the challenges that lie ahead', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-well-positioned-for-the-challenges-that-lie-ahead/</loc><lastmod>2023-05-08T12:29:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19984', name: 'Orbis’ improved fee structure: Highlights and FAQ', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-improved-fee-structure-highlights-and-faq/</loc><lastmod>2023-04-28T13:36:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20171', name: 'Orbis: Performance and positioning during COVID19', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-performance-and-positioning-during-covid-19/</loc><lastmod>2023-05-19T12:01:10+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20183', name: 'Orbis: Turn away from the noise and look to the long term', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-turn-away-from-the-noise-and-look-to-the-long-term/</loc><lastmod>2023-04-19T16:03:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20202', name: 'Orbis: Lesson from the past', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-lesson-from-the-past/</loc><lastmod>2020-05-07T09:46:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20205', name: 'Orbis: The importance of preparation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-the-importance-of-preparation/</loc><lastmod>2023-04-28T13:59:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20209', name: 'Orbis: Keeping a clear head during the COVID chaos', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-keeping-a-clear-head-during-the-covid-chaos/</loc><lastmod>2020-05-08T18:18:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20336', name: 'Orbis: Resilience and enthusiasm at a time of uncertainty', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-resilience-and-enthusiasm-at-a-time-of-uncertainty/</loc><lastmod>2020-06-04T13:35:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20531', name: 'Orbis: Tech opportunities rise in the East', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-tech-opportunities-rise-in-the-east/</loc><lastmod>2023-04-28T13:56:43+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20737', name: 'Orbis: Our job is to be uncomfortable', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-our-job-is-to-be-uncomfortable/</loc><lastmod>2020-08-04T18:37:49+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20846', name: 'How is the market up?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/how-is-the-market-up/</loc><lastmod>2023-05-19T11:59:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20892', name: 'Orbis: Finding an edge in tech', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-finding-an-edge-in-tech/</loc><lastmod>2023-04-28T13:10:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20903', name: 'Orbis: Identifying opportunities in a turbulent market', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-identifying-opportunities-in-a-turbulent-market/</loc><lastmod>2020-10-09T13:05:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21279', name: 'Orbis Global Equity: Positioned for multiple views of the future', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-positioned-for-multiple-views-of-the-future/</loc><lastmod>2022-02-03T11:01:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21333', name: 'Limiting allocations to offshore assets for Allan Gray Living Annuity and Endowment accounts', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/limiting-allocations-to-offshore-assets-for-allan-gray-living-annuity-and-endowment-accounts/</loc><lastmod>2026-04-13T09:34:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21362', name: 'Orbis: President's letter 2020', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-presidents-letter-2020/</loc><lastmod>2023-05-08T12:29:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21459', name: 'Orbis: Harder to get into than Harvard', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-harder-to-get-into-than-harvard/</loc><lastmod>2023-05-19T11:58:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21505', name: 'The benefits of neglect', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-benefits-of-neglect/</loc><lastmod>2023-04-20T14:01:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21624', name: 'Orbis Global Balanced Fund: A tour of the portfolio', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-balanced-fund-a-tour-of-the-portfolio/</loc><lastmod>2021-04-07T11:59:54+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21661', name: 'Orbis: The great imbalance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-the-great-imbalance/</loc><lastmod>2023-04-19T11:02:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21676', name: 'Orbis: Are there real longterm opportunities in the US?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/are-there-real-long-term-opportunities-in-the-us/</loc><lastmod>2023-05-19T11:55:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '21697', name: 'How to invest offshore', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/how-to-invest-offshore/</loc><lastmod>2023-05-08T14:17:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22079', name: 'Beyond the froth: Orbis’ contrarian case for Comcast', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/beyond-the-froth-orbis-contrarian-case-for-comcast/</loc><lastmod>2023-04-13T10:55:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22208', name: 'Why should you consider a global balanced fund?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/why-should-you-consider-a-global-balanced-fund/</loc><lastmod>2023-04-20T14:16:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22299', name: 'Offshore restrictions revised to 45% for Allan Gray Living Annuity, Endowment and TaxFree Investment accounts', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/revised-limits-on-allocations-to-offshore-assets-for-allan-gray-living-annuity-endowment-and-tax-free-investment-accounts/</loc><lastmod>2026-04-13T09:38:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22728', name: 'Orbis: The case for the not so boring middle', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-the-case-for-the-not-so-boring-middle/</loc><lastmod>2023-04-28T13:57:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22816', name: 'Orbis: Unpacking the risks from regulatory change', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/Orbis-unpacking-the-risks-from-regulatory-change/</loc><lastmod>2023-05-08T12:27:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '22864', name: 'Markets change quickly, investments shouldn’t', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/markets-change-quickly-investments-shouldnt/</loc><lastmod>2023-05-16T14:53:51+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23058', name: 'Orbis: Our perspective on developed market bond yields', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-our-perspective-on-developed-market-bond-yields/</loc><lastmod>2023-05-19T11:54:14+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23060', name: 'Orbis: The three stages of recent performance explained', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-the-three-stages-of-recent-performance-explained/</loc><lastmod>2023-05-19T11:53:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23238', name: 'Orbis: Inflation – the bottomup case for caution', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-inflation--the-bottom-up-case-for-caution/</loc><lastmod>2021-11-30T08:35:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23274', name: 'Orbis Global Equity: Navigating risk and reward', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-navigating-risk-and-reward/</loc><lastmod>2023-05-19T11:53:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23534', name: 'Orbis: Taming turbulence', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/taming-turbulence/</loc><lastmod>2023-05-08T12:22:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23617', name: 'Orbis: President’s letter 2021', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-presidents-letter-2021/</loc><lastmod>2023-05-19T11:52:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23704', name: 'The power of perspective in an expensive market', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-power-of-perspective-in-an-expensive-market/</loc><lastmod>2022-12-06T17:12:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23733', name: 'Russialed volatility underscores the need for calm, considered action', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/russia-led-volatility-underscores-the-need-for-calm-considered-action/</loc><lastmod>2023-05-16T14:56:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '23876', name: 'Orbis Global Balanced: RussiaUkraine conflict accelerates market shifts', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-balanced-russia-ukraine-conflict-accelerates-market-shifts/</loc><lastmod>2022-04-26T14:07:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24018', name: 'Orbis investment update: Risks in the real world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-investment-update-risks-in-the-real-world/</loc><lastmod>2023-05-16T14:59:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24480', name: 'Solving the diversification dilemma', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/solving-the-diversification-dilemma/</loc><lastmod>2023-04-18T14:41:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '24549', name: 'Orbis Global Equity: The duration dislocation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-the-duration-dislocation/</loc><lastmod>2023-05-19T11:51:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '25636', name: 'Positive energy: A contrarian take on transition', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/positive-energy-a-contrarian-take-on-transition/</loc><lastmod>2022-09-28T17:03:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '25644', name: 'Podcast: Do old investment truths still hold in the current global environment?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/podcast-do-old-investment-truths-still-hold-in-the-current-global-environment/</loc><lastmod>2026-07-30T09:43:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '25677', name: 'Orbis Global Balanced: Beware the Great and Powerful Dollar', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-balanced-beware-the-great-and-powerful-dollar/</loc><lastmod>2023-05-19T11:50:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26367', name: 'The great misallocation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-great-misallocation/</loc><lastmod>2023-03-08T16:42:15+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26379', name: 'Orbis: President’s letter 2022', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-presidents-letter-2022/</loc><lastmod>2023-05-19T11:49:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26390', name: 'Five investment lessons from the last 20 years… for the next 20 years', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/five-investment-lessons-from-the-last-20-years-for-the-next-20-years/</loc><lastmod>2023-01-26T14:44:12+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26704', name: 'Value matters: Steering a course through uncertain markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/value-matters-steering-a-course-through-uncertain-markets/</loc><lastmod>2023-03-17T08:20:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26764', name: 'Regime change and the rise of the stockpicker', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/regime-change-and-the-rise-of-the-stockpicker/</loc><lastmod>2023-05-08T12:27:54+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26802', name: 'Orbis Global Balanced: Investing through the cycles', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-balanced-investing-through-the-cycles/</loc><lastmod>2023-05-19T11:48:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26925', name: 'Memory: Industry cycles, not the business cycle', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/memory-industry-cycles-not-the-business-cycle/</loc><lastmod>2023-06-02T14:44:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '26940', name: 'Are we entering a global stockpicker’s paradise?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/are-we-entering-a-global-stockpickers-paradise/</loc><lastmod>2026-07-30T09:44:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27138', name: 'Teenagers, curfews & interest rates', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/teenagers-curfews--interest-rates/</loc><lastmod>2023-08-04T16:32:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27285', name: 'Orbis Global Equity: Value in a changing Japan', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-value-in-a-changing-japan/</loc><lastmod>2023-07-31T16:18:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27426', name: 'Central Banks and Big Macs: Finding value in currencies', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/central-banks-and-big-macs-finding-value-in-currencies/</loc><lastmod>2023-08-28T10:23:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27476', name: 'Orbis: Navigating market change', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-navigating-market-change/</loc><lastmod>2023-09-20T16:30:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27582', name: 'From Johannesburg to Japan: How to resist the magnetism of the magnificent seven', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/from-johannesburg-to-japan-how-to-resist-the-magnetism-of-the-magnificent-seven/</loc><lastmod>2026-07-30T09:44:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '27984', name: 'The magnificent middle', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-magnificent-middle/</loc><lastmod>2023-11-14T12:26:30+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '28185', name: 'Holding steady when global markets are in flux', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/holding-steady-when-global-markets-are-in-flux/</loc><lastmod>2023-12-13T11:17:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '28230', name: 'Orbis: President’s letter 2023', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-presidents-letter-2023/</loc><lastmod>2024-02-01T18:02:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30778', name: 'Build a legacy with the Allan Gray Offshore Endowment', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/build-a-legacy-with-the-allan-gray-offshore-endowment/</loc><lastmod>2025-02-11T09:25:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30837', name: 'US opportunities with a good prognosis: UnitedHealth and Elevance Health', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/us-opportunities-with-a-good-prognosis-unitedhealth-and-elevance-health/</loc><lastmod>2024-05-02T16:33:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30855', name: 'How to invest offshore with Allan Gray – and allow for the transfer of wealth', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/how-to-invest-offshore-with-allan-gray--and-allow-for-the-transfer-of-wealth/</loc><lastmod>2024-05-02T16:34:23+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30860', name: 'Beyond our borders: A case for investing offshore', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/beyond-our-borders-a-case-for-investing-offshore/</loc><lastmod>2024-05-02T16:34:44+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '30916', name: 'Introducing the Orbis SICAV Global Cautious Fund', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/introducing-the-orbis-sicav-global-cautious-fund/</loc><lastmod>2024-05-10T10:12:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31230', name: 'Building multiasset portfolios in an uncertain world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/building-multi-asset-portfolios-in-an-uncertain-world/</loc><lastmod>2026-07-30T09:45:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31294', name: 'Geopolitical factors trigger concerns about Georgia', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/geopolitical-factors-trigger-concerns-about-georgia/</loc><lastmod>2024-07-16T08:26:55+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31470', name: 'Back to the future: Why studios are betting on the box office', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/back-to-the-future-why-studios-are-betting-on-the-box-office/</loc><lastmod>2024-08-08T16:23:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31472', name: 'An offshore solution for the more cautious investor: introducing Orbis Global Cautious', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/an-offshore-solution-for-the-more-cautious-investor-introducing-orbis-global-cautious/</loc><lastmod>2024-08-08T16:23:43+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31863', name: 'Trustless, rustless, shiny and tiny: The investment case for gold', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/trustless-rustless-shiny-and-tiny-the-investment-case-for-gold/</loc><lastmod>2024-10-31T16:30:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '31900', name: 'Beyond the US: Separating the signals from the noise', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/beyond-the-us-separating-the-signals-from-the-noise/</loc><lastmod>2026-07-30T09:46:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32009', name: 'Orbis: President’s letter 2024', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-presidents-letter-2024/</loc><lastmod>2025-05-05T16:01:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32045', name: 'What can we learn from Fartcoin?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/what-can-we-learn-from-fartcoin/</loc><lastmod>2025-02-21T15:25:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32300', name: 'Finding value in Southeast Asia’s frontier markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/finding-value-in-the-southeast-asias-frontier-markets/</loc><lastmod>2025-04-26T13:00:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32404', name: 'Orbis Global Balanced: Defensively positioned to deliver longterm returns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-balanced-defensively-positioned-to-deliver-long-term-returns/</loc><lastmod>2025-05-06T09:59:12+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32456', name: 'The conflict between price and fundamentals', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/the-conflict-between-price-and-fundamentals/</loc><lastmod>2025-05-19T11:45:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32495', name: 'Are global investors dependent on great expectations?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/are-global-investors-dependent-on-great-expectations/</loc><lastmod>2026-07-30T09:46:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32506', name: 'Investing offshore: Dependent on Great Expectations?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/investing-offshore-dependent-on-great-expectations/</loc><lastmod>2025-06-25T11:05:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32521', name: 'Why Vietnam continues to offer longterm value', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/why-vietnam-continues-to-offer-long-term-value/</loc><lastmod>2025-07-03T15:43:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32534', name: 'Global investing in an era of national selfreliance', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/global-investing-in-an-era-of-national-self-reliance/</loc><lastmod>2025-07-09T11:11:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32565', name: 'Orbis Global Equity: Discipline in the face of volatility', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-discipline-in-the-face-of-volatility/</loc><lastmod>2025-07-30T17:06:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32777', name: 'Nintendo: more than a game maker', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/nintendo-more-than-a-game-maker/</loc><lastmod>2025-08-11T16:21:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '32969', name: 'Great expectations  raising the bar', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/great-expectations---raising-the-bar/</loc><lastmod>2025-09-19T12:22:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33057', name: 'Frontier markets: Investing where pessimism reigns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/frontier-markets-investing-where-pessimism-reigns/</loc><lastmod>2025-10-10T14:53:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33081', name: 'Separating the numbers from the narratives', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/separating-the-numbers-from-the-narratives/</loc><lastmod>2026-07-30T09:47:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33097', name: 'Orbis Global Equity: Biotech breakthroughs in a crowded market', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-biotech-breakthroughs-in-a-crowded-market/</loc><lastmod>2025-10-30T15:07:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33098', name: 'How to unlock value through offshore investing', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/how-to-unlock-value-through-offshore-investing/</loc><lastmod>2025-10-30T15:07:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33354', name: 'Orbis SICAV Global Balanced:  2025 – A strong year for Orbis Global Balanced', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-sicav-global-balanced--2025--a-strong-year-for-orbis-global-balanced/</loc><lastmod>2026-01-26T15:02:14+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33355', name: 'Orbis Global Equity: Enduring lessons that shape how Orbis invests', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-enduring-lessons-that-shape-how-orbis-invests/</loc><lastmod>2026-01-26T15:03:12+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33356', name: 'Orbis Optimal SA: Taking advantage of attractive entry points', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-optimal-sa-taking-advantage-of-attractive-entry-points/</loc><lastmod>2026-01-26T15:03:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33358', name: 'What if the real American exceptionalism now lies beyond America’s biggest stocks?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/what-if-the-real-american-exceptionalism-now-lies-beyond-americas-biggest-stocks/</loc><lastmod>2026-02-04T14:11:11+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33363', name: 'Is the world’s safest currency actually the riskiest?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/is-the-worlds-safest-currency-actually-the-riskiest/</loc><lastmod>2026-02-04T14:11:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33366', name: 'Are you swimming in the right water?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/are-you-swimming-in-the-right-water/</loc><lastmod>2026-02-04T14:11:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33370', name: 'Which risk runs deeper: owning or avoiding emerging markets?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/which-risk-runs-deeper-owning-or-avoiding-emerging-markets/</loc><lastmod>2026-02-04T14:12:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33374', name: 'Is AI a bubble, or is the best yet to come?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/is-ai-a-bubble-or-is-the-best-yet-to-come/</loc><lastmod>2026-02-04T14:12:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33377', name: 'What if Trump is right?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/what-if-trump-is-right/</loc><lastmod>2026-02-04T14:12:36+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33432', name: 'Orbis: President’s letter 2025', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-presidents-letter-2025/</loc><lastmod>2026-02-10T11:55:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '33503', name: 'Don’t just stand there', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/dont-just-stand-there/</loc><lastmod>2026-02-11T12:30:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34357', name: 'Higher discretionary allowance: The opportunity to invest more offshore', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/higher-discretionary-allowance-the-opportunity-to-invest-more-offshore/</loc><lastmod>2026-04-16T13:40:58+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34358', name: 'Orbis Global Equity: The art of adaptability in turbulent markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-the-art-of-adaptability-in-turbulent-markets/</loc><lastmod>2026-07-30T11:23:59+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34412', name: 'Orbis Optimal SA: Earning its keep in volatile times', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-optimal-sa-fund-earning-its-keep-in-volatile-times/</loc><lastmod>2026-07-30T11:23:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34413', name: 'Orbis Global Balanced: Avoiding fear and greed in a noisy market', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-sicav-global-balanced-avoiding-fear-and-greed-in-a-noisy-market/</loc><lastmod>2026-07-30T11:24:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34415', name: 'Orbis Global Cautious: Finding opportunity beyond traditional safe havens', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-sicav-global-cautious-fund-finding-opportunity-beyond-traditional-safe-havens/</loc><lastmod>2026-07-30T11:24:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34416', name: 'Orbis Emerging Markets Equity: The case for Taiwan Semiconductor Manufacturing Company', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-sicav-emerging-markets-equity-fund-the-case-for-taiwan-semiconductor-manufacturing-company/</loc><lastmod>2026-07-30T11:25:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34443', name: 'Exploring the frontier: Why elevated risk offers enticing opportunities', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/exploring-the-frontier-why-elevated-risk-offers-enticing-opportunities/</loc><lastmod>2026-07-30T09:47:43+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34546', name: 'Orbis Emerging Markets Equity: Emerging markets increasingly have a concentration problem', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-emerging-markets-equity-emerging-markets-increasingly-have-a-concentration-problem/</loc><lastmod>2026-07-10T18:34:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34563', name: 'Frontier Markets Equity Fund: Separating value from value traps in frontier markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/frontier-markets-equity-fund-separating-value-from-value-traps-in-frontier-markets/</loc><lastmod>2026-07-07T12:22:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34564', name: 'African equities offer compelling value despite global shocks', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/africa-ex-sa-equity-fund-african-equities-offer-compelling-value-despite-global-shocks/</loc><lastmod>2026-07-07T12:33:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34579', name: 'Orbis Japan Equity: Finding opportunity beyond the AI trade', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-japan-equity-finding-opportunity-beyond-the-ai-trade/</loc><lastmod>2026-07-10T12:14:36+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34588', name: 'Orbis Global Equity: Finding the needles in the hay', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-equity-finding-the-needles-in-the-hay/</loc><lastmod>2026-07-10T18:55:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34599', name: 'Orbis Global Balanced: The value of patient research', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-balanced-the-value-of-patient-research/</loc><lastmod>2026-07-13T14:50:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34600', name: 'Orbis Optimal SA: Value in Japan’s overlooked companies', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-optimal-sa-value-in-japans-overlooked-companies/</loc><lastmod>2026-07-13T17:01:01+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34653', name: 'Orbis Global Cautious: A disciplined approach to risk and return', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/orbis-global-cautious-a-disciplined-approach-to-risk-and-return/</loc><lastmod>2026-07-30T11:17:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34756', name: 'New tools, old habits: Investing in the age of AI', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/offshore-investing/new-tools-old-habits-investing-in-the-age-of-ai/</loc><lastmod>2026-08-06T17:08:41+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '563', name: 'The theory of risk and return', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/the-theory-of-risk-and-return/</loc><lastmod>2023-08-02T13:29:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '582', name: 'Active versus passive', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/active-versus-passive/</loc><lastmod>2022-11-24T13:09:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1077', name: 'Your role in your investment success', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/your-role-in-your-investment-success/</loc><lastmod>2023-08-03T16:29:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1078', name: 'Understand the impact of inflation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/understand-the-impact-of-inflation/</loc><lastmod>2023-05-19T14:17:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1094', name: 'Thinking long term', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/thinking-long-term/</loc><lastmod>2023-05-19T14:17:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1323', name: 'What are the merits of good independent advice?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-are-the-merits-of-good-independent-advice/</loc><lastmod>2023-05-19T14:17:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1325', name: 'What is switching?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-is-switching/</loc><lastmod>2023-08-03T16:16:16+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1331', name: 'What compounding can do for you', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-compounding-can-do-for-you/</loc><lastmod>2023-08-03T16:08:57+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1404', name: 'Distraction is the enemy', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/distraction-is-the-enemy/</loc><lastmod>2026-05-20T11:11:14+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1405', name: 'Investing tutorials: Why preserve?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/investing-tutorials-why-preserve/</loc><lastmod>2023-07-28T15:04:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1435', name: 'Making sense of unit trust categories and intentions', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/making-sense-of-unit-trust-categories-and-intentions/</loc><lastmod>2023-08-02T10:50:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1443', name: 'Investing for education', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/investing-for-education/</loc><lastmod>2023-05-19T14:20:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1460', name: 'The Allan Gray Investment Platform: high quality service with simple, transparent fund choice', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/the-allan-gray-investment-platform-high-quality-service-with-simple-transparent-fund-choice/</loc><lastmod>2023-08-02T09:39:26+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1468', name: 'Online: your service channel of choice?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/online-your-service-channel-of-choice/</loc><lastmod>2023-08-02T10:52:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1473', name: 'New Dividend Withholding Tax: how will it affect you?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/new-dividend-withholding-tax-how-will-it-affect-you/</loc><lastmod>2021-08-19T07:32:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1477', name: 'Everything can be improved', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/everything-can-be-improved/</loc><lastmod>2021-08-19T07:32:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1508', name: 'Time flies', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/time-flies/</loc><lastmod>2023-08-02T09:49:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1587', name: 'Questions for personal investing', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/questions-for-personal-investing/</loc><lastmod>2023-08-02T13:18:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1623', name: 'What safeguards are in place to protect your individual investments?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-safeguards-are-in-place-to-protect-your-individual-investments/</loc><lastmod>2022-11-25T10:37:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1631', name: 'Investing made not so scary', language: 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'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/use-your-head-not-your-heart-and-think-long-term/</loc><lastmod>2023-08-02T09:53:34+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '1852', name: 'It is worthwhile starting to save early  a little can go a long way', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/it-is-worthwhile-starting-to-save-early---a-little-can-go-a-long-way/</loc><lastmod>2023-05-19T14:29:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '2045', name: 'Are we snookering ourselves with confirmation bias?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/are-we-snookering-ourselves-with-confirmation-bias/</loc><lastmod>2023-05-19T14:31:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '2948', name: 'The offshore conundrum', 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'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/investment-summit-brings-together-10-of-worlds-top-investment-experts/</loc><lastmod>2023-05-08T14:22:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17695', name: 'How to become the next Sylvia Bloom', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-to-become-the-next-sylvia-bloom/</loc><lastmod>2023-04-19T16:10:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17697', name: 'Go on, take a financial wellness day off', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/go-on-take-a-financial-wellness-day-off/</loc><lastmod>2023-07-28T11:22:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17713', name: 'True rewards take time', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/true-rewards-take-time/</loc><lastmod>2023-08-02T09:52:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17714', name: 'Bump up your savings with a taxfree investment', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/bump-up-your-savings-with-a-tax-free-investment/</loc><lastmod>2023-07-28T09:47:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '17780', name: 'Employerassisted savings can help fix SA's dire savings rate', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/employer-assisted-savings-can-help-fix-sas-dire-savings-rate/</loc><lastmod>2025-06-30T10:47:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18108', name: 'Ride out volatility and maximise returns', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/ride-out-volatility-and-maximise-returns/</loc><lastmod>2022-11-23T11:36:49+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18112', name: 'How to thrive in choppy markets', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-to-thrive-in-choppy-markets/</loc><lastmod>2022-11-23T11:35:11+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18253', name: 'Don't get caught short this tax season', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/dont-get-caught-short-this-tax-season/</loc><lastmod>2021-08-19T07:32:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18257', name: 'How to select a unit trust that’s right for you', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-to-select-a-unit-trust-thats-right-for-you/</loc><lastmod>2023-07-28T14:57:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18267', name: 'Prioritise your dependants and loved ones during National Wills Week', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/prioritise-your-dependants-and-loved-ones-during-national-wills-week/</loc><lastmod>2022-11-25T10:38:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18273', name: 'How to select your asset manager', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-to-select-your-asset-manager/</loc><lastmod>2023-04-19T11:20:08+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18277', name: 'Get advice to be more money savvy', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/get-advice-to-be-more-money-savvy/</loc><lastmod>2023-07-28T11:16:35+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18349', name: 'What does the price of a unit trust mean?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-does-the-price-of-a-unit-trust-mean/</loc><lastmod>2023-05-08T14:17:51+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18355', name: 'Why retirement contributions don’t reduce your taxable capital gains', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/why-retirement-contributions-dont-reduce-the-tax-you-pay-on-capital-gains/</loc><lastmod>2023-08-03T16:25:39+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18407', name: 'Make sure divorce doesn't cost your savings', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/make-sure-divorce-doesnt-cost-your-savings/</loc><lastmod>2023-03-08T16:45:17+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18580', name: 'Give yourself the gift of balance this festive season', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/give-yourself-the-gift-of-balance-this-festive-season/</loc><lastmod>2022-12-06T16:22:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18581', name: 'How to approach your finances this festive season', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-to-approach-your-finances-this-festive-season/</loc><lastmod>2023-04-19T11:17:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '18634', name: 'The rules for making good investment decisions', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/the-rules-for-making-good-investment-decisions/</loc><lastmod>2026-07-30T10:01:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19064', name: 'The trouble with switching', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/the-trouble-with-switching/</loc><lastmod>2023-09-07T14:05:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19067', name: 'Give your finances a fresh start', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/give-your-finances-a-fresh-start/</loc><lastmod>2023-07-28T11:20:31+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19158', name: 'Is there any tax benefit in saving over the annual tax deductible amount towards retirement?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/is-there-any-tax-benefit-in-saving-over-the-annual-tax-deductible-amount-towards-retirement/</loc><lastmod>2023-08-02T09:58:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19191', name: 'Budget 2019: Focus shifts to restoring credibility', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/budget-2019-focus-shifts-to-restoring-credibility/</loc><lastmod>2021-08-19T07:32:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19193', name: '2019 Budget speech update', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/2019-budget-speech-update/</loc><lastmod>2023-05-19T14:49:45+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19415', name: 'PART 1: How to overcome the growing cost of education', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/part-1-how-to-overcome-the-growing-cost-of-education/</loc><lastmod>2023-03-17T11:25:28+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19416', name: 'How you can influence your investment outcomes', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-you-can-influence-your-investment-outcomes/</loc><lastmod>2023-05-16T11:45:03+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19454', name: 'Diminished mental capacity: What happens to a person's investments?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/diminished-mental-capacity-what-happens-to-a-persons-investments/</loc><lastmod>2023-04-18T14:13:14+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19456', name: 'Have you chosen the right unit trust?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/have-you-chosen-the-right-unit-trust/</loc><lastmod>2023-07-28T11:26:40+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19462', name: 'PART 2: Saving for education – later is still better than never', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/part-2-saving-for-education--later-is-still-better-than-never/</loc><lastmod>2023-03-17T11:28:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19463', name: 'PART 3: What are the best investment options for education savings?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/part-3-what-are-the-best-investment-options-for-education-savings/</loc><lastmod>2023-05-19T14:51:06+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19466', name: 'PART 4: Investing offshore to finance international education', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/part-4-investing-offshore-to-finance-international-education/</loc><lastmod>2023-03-17T11:30:32+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19467', name: 'PART 5: The role of financial advice in your investment success', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/part-5-the-role-of-financial-advice-in-your-investment-success/</loc><lastmod>2023-03-22T11:13:11+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19475', name: 'CASE STUDY 1: Investing to pay school fees upfront for the year', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/case-study-1-investing-to-pay-school-fees-upfront-for-the-year/</loc><lastmod>2023-04-19T11:20:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19476', name: 'CASE STUDY 2: Longterm investing for your child’s education', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/case-study-2-long-term-investing-for-your-childs-education/</loc><lastmod>2021-08-19T07:39:00+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19480', name: 'Investors need to block out 'noise' ahead of elections', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/investors-need-to-block-out-noise-ahead-of-elections/</loc><lastmod>2023-07-28T15:10:27+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19481', name: 'Unravelling your residencies – exchange control, tax and citizenship', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/unravelling-your-residencies--exchange-control-tax-and-citizenship/</loc><lastmod>2023-05-19T14:16:20+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19504', name: 'Grow your wealth by attending the Allan Gray Investment Summit', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/grow-your-wealth-by-attending-the-allan-gray-investment-summit/</loc><lastmod>2023-04-18T14:19:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19513', name: 'Can you live your best life and save for the long term?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/can-you-live-your-best-life-and-save-for-the-long-term/</loc><lastmod>2023-05-08T12:17:11+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19531', name: 'Servicing your clients is easier with the new Allan Gray Online', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/servicing-your-clients-is-easier-with-the-new-allan-gray-online/</loc><lastmod>2021-08-19T07:32:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19540', name: 'If it sounds too good to be true, it probably is', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/if-it-sounds-too-good-to-be-true-it-probably-is/</loc><lastmod>2022-11-25T14:08:07+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19549', name: 'Ready… set… invest', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/ready-set-invest/</loc><lastmod>2023-04-19T11:19:50+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19593', name: 'Steps to improve your investment decision making', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/steps-to-improve-your-investment-decision-making/</loc><lastmod>2023-08-02T13:23:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19597', name: 'How to get into the habit of saving this Savings Month', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-to-get-into-the-habit-of-saving-this-savings-month/</loc><lastmod>2023-07-28T11:48:54+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19611', name: 'Don't let your hardearned savings go unclaimed', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/dont-let-your-hard-earned-savings-go-unclaimed/</loc><lastmod>2023-05-19T14:50:24+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19614', name: 'Should you take investment advice from family and friends?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/should-you-take-investment-advice-from-family-and-friends/</loc><lastmod>2022-11-25T14:08:07+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19620', name: 'Can you save more?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/can-you-save-more/</loc><lastmod>2023-04-19T11:08:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19635', name: 'How poker taught me to make better decisions', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-poker-taught-me-to-make-better-decisions/</loc><lastmod>2023-07-28T11:44:19+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19655', name: 'Avoid common behavioural biases when investing', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/avoid-common-behavioural-biases-when-investing/</loc><lastmod>2023-04-18T14:19:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19658', name: 'How bias can sink your investment success', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/how-bias-can-sink-your-investment-success/</loc><lastmod>2023-04-18T14:19:25+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19661', name: 'Spring is here, it’s time to spring clean your finances', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/spring-is-here-its-time-to-spring-clean-your-finances/</loc><lastmod>2023-04-19T11:08:37+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19683', name: 'National Wills Week: Time to review your will', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/national-wills-week-time-to-review-your-will/</loc><lastmod>2023-04-18T14:10:05+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19686', name: 'The benefits of independent financial advice', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/the-benefits-of-independent-financial-advice/</loc><lastmod>2023-04-18T14:41:12+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19694', name: 'Savings clubs: A great way to invest', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/savings-clubs-a-great-way-to-invest/</loc><lastmod>2023-04-19T16:15:46+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19697', name: 'Seek financial advice to help you meet your financial goals', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/seek-financial-advice-to-help-you-meet-your-financial-goals/</loc><lastmod>2023-04-18T14:15:48+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19716', name: 'To file or not to file a tax return', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/to-file-or-not-to-file-a-tax-return/</loc><lastmod>2021-08-19T07:32:22+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19760', name: 'Are you financially resilient?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/are-you-financially-resilient/</loc><lastmod>2023-05-16T11:12:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19790', name: 'Q&A: What’s on your mind about the Allan Gray business?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/qa-whats-on-your-mind-about-the-allan-gray-business/</loc><lastmod>2023-08-02T11:46:11+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19854', name: 'What can we learn from the Springboks when it comes to setting financial goals?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-can-we-learn-from-the-springboks-when-it-comes-to-setting-financial-goals/</loc><lastmod>2023-08-03T16:05:33+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '19885', name: 'How not to break 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language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/do-you-have-an-emergency-fund/</loc><lastmod>2023-05-16T11:12:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20680', name: 'Personal finance mistakes to avoid in your 20s', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/personal-finance-mistakes-to-avoid-in-your-20s/</loc><lastmod>2022-11-25T14:59:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20681', name: 'What advice would I give to the 30yearold me?', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-advice-would-i-give-to-the-30-year-old-me/</loc><lastmod>2022-11-25T14:59:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20682', name: 'When the reality of saving for retirement sets in', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/when-the-reality-of-saving-for-retirement-sets-in/</loc><lastmod>2023-08-03T16:24:38+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20683', name: 'What I wish I knew about personal finance and investing when I started working', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/what-i-wish-i-knew-about-personal-finance-and-investing-when-i-started-working/</loc><lastmod>2023-08-03T16:14:13+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20684', name: 'Investment challenges older investors face', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/investment-challenges-older-investors-face/</loc><lastmod>2022-11-25T14:59:47+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '20722', name: 'Should I file a tax 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'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/lessons-from-the-markets-and-the-sea-dont-get-caught-in-the-undertow/</loc><lastmod>2026-05-29T14:26:09+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34538', name: 'Take control of your 2026 taxfiling obligations', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/take-control-of-your-2026-tax-filing-obligations/</loc><lastmod>2026-07-02T15:46:42+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34573', name: 'A durable strategy for life and wealth creation', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/a-durable-strategy-for-life-and-wealth-creation/</loc><lastmod>2026-07-08T17:19:21+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '34655', name: 'Longterm investing in a shortterm world', language: 'en'--><loc>https://www.allangray.co.za/latest-insights/personal-investing/long-term-investing-in-a-short-term-world/</loc><lastmod>2026-07-23T15:27:02+02:00</lastmod><changefreq>weekly</changefreq><priority>0.7</priority></url><url><!--page ID: '11450', name: 'Our ownership', language: 'en'--><loc>https://www.allangray.co.za/about-us/our-ownership/</loc><lastmod>2021-12-07T13:23:04+02:00</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url><url><!--page ID: '9255', name: 'How to apply', language: 'en'--><loc>https://www.allangray.co.za/careers/How-to-apply/</loc><lastmod>2017-08-24T16:24:52+02:00</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url><url><!--page ID: '16836', name: 'Information technology', language: 'en'--><loc>https://www.allangray.co.za/careers/information-technology/</loc><lastmod>2021-05-03T15:25:53+02:00</lastmod><changefreq>weekly</changefreq><priority>0.8</priority></url><url><!--page ID: '33661', name: 'Graduates', language: 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