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2026</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2025/12/vi-meter_dec-2025.png</image:loc><image:title>VI Meter_Dec 2025</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2025/12/vi-table_dec-2025.png</image:loc><image:title>VI Table_Dec 2025</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2025/11/vi-meter_nov-2025.png</image:loc><image:title>VI Meter_Nov 2025</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2025/11/vi-table_nov-2025.png</image:loc><image:title>VI Table_Nov 2025</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2025/10/vi-meter_oct-2025.png</image:loc><image:title>VI Meter_Oct 2025</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2025/10/vi-table_oct-2025.png</image:loc><image:title>VI Table_Oct 2025</image:title></image:image><lastmod>2026-01-28T21:31:13+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://eduform.in/2022/08/17/path-to-financial-independence-11th-year-review/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2022/08/churn-vs-no-churn.png</image:loc><image:title>churn-vs-no-churn</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2022/08/image.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2022/08/financial-independce.png</image:loc><image:title>Financial Independce</image:title></image:image><lastmod>2022-12-03T04:44:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/06/30/gold-to-buy-or-not-to-buy/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/central-banks-gold-buying-1h19.png</image:loc><image:title>Central banks gold buying 1H19</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/chart.png</image:loc><image:title>chart</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/gold-demand.png</image:loc><image:title>Gold Demand</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/gold-supply.png</image:loc><image:title>Gold Supply</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/rolling-5-year-returns.png</image:loc><image:title>Rolling 5 year returns</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/portfolio-comparison-for-gold.png</image:loc><image:title>Portfolio Comparison for Gold</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/gold-price-change-in-last-1-month.png</image:loc><image:title>Gold Price change in last 1 month</image:title></image:image><lastmod>2022-12-03T04:43:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/09/25/nifty-sensex-at-all-time-high-part-ii-what-should-you-do/</loc><lastmod>2022-12-01T08:59:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2016/08/23/path-to-financial-independence-review/</loc><lastmod>2022-09-03T08:08:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2011/08/21/path-to-financial-indipendence-power-of-investing/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2011/08/financial-independence.png</image:loc><image:title>Financial independence</image:title></image:image><lastmod>2022-09-03T08:08:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/05/26/lessons-from-nifty-history/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/05/dynamic-allocation-part-2.png</image:loc><image:title>Dynamic Allocation Part 2</image:title></image:image><lastmod>2022-09-03T08:07:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/08/15/path-to-financial-independence-10th-year-anniversary/</loc><lastmod>2022-09-03T08:01:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/08/31/the-most-critical-part-of-investment-journey/</loc><lastmod>2022-09-03T07:58:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/08/06/icici-pru-eq-debt-a-fallen-angel/</loc><lastmod>2022-02-01T23:54:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/10/08/icici-prudential-nasdaq-100-index-fund-what-you-should-know/</loc><lastmod>2021-10-11T07:08:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/10/01/balancing-the-pessimism-with-optimism/</loc><lastmod>2021-10-08T06:55:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/04/02/at1-tier-ii-bond-risks-hiding-in-plain-sight/</loc><lastmod>2021-09-25T09:52:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/09/13/multi-cap-reset-know-your-options/</loc><lastmod>2021-08-31T10:18:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/12/01/nifty-sensex-are-at-all-time-high-should-you-worry/</loc><lastmod>2021-08-15T06:10:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/10/09/the-giants-warning/</loc><lastmod>2021-04-02T07:44:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/04/01/madness-in-march/</loc><lastmod>2021-04-01T10:52:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/02/06/investing-in-a-t-i-n-y-there-is-no-yield-world/</loc><lastmod>2021-02-12T09:26:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/08/03/have-patience-be-realistic/</loc><lastmod>2021-02-06T06:51:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/07/28/how-to-build-your-debt-fund-portfolio/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/07/bond-fund-returns.jpg</image:loc><image:title>Bond Fund Returns</image:title></image:image><lastmod>2021-02-06T05:59:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/08/11/debt-mutual-funds-vol-2-historic-returns-vs-future-returns/</loc><lastmod>2021-02-06T05:51:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2021/01/09/rise-of-indexing-the-tale-of-diminishing-alpha/</loc><lastmod>2021-01-09T08:09:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/07/17/simple-advises-that-helped-you-di-wrosify-your-portfolio/</loc><lastmod>2021-01-09T06:44:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/12/25/a-year-in-review-outlook-2021/</loc><lastmod>2020-12-25T12:43:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/08/16/start-early-to-take-risk-for-gains/</loc><lastmod>2020-12-01T10:07:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/09/19/the-last-marginal-fo-mo-buyer/</loc><lastmod>2020-10-26T10:34:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/10/13/the-legendary-teacher-02-returns-risk/</loc><lastmod>2020-10-18T12:18:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/05/24/the-simple-use-of-vix-to-generate-35-mean-returns-on-eq-portfolio/</loc><lastmod>2020-10-13T11:42:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/09/06/the-legendary-teacher/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/09/pexels-photo-730547.jpeg</image:loc><image:title>bitcoins and u s dollar bills</image:title><image:caption>Photo by David McBee on &lt;a href="https://www.pexels.com/photo/bitcoins-and-u-s-dollar-bills-730547/" rel="nofollow"&gt;Pexels.com&lt;/a&gt;</image:caption></image:image><lastmod>2020-10-13T11:41:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/06/06/33-5-gain-in-49-sessions-in-nifty-what-should-you-do-next/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/06/post-rally-scenario.png</image:loc><image:title>Post Rally Scenario</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/06/49-sessions-trend-2.png</image:loc><image:title>49 Sessions Trend</image:title></image:image><lastmod>2020-10-09T12:54:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/03/28/hdfc-hybrid-equity-tough-to-replace/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/core-funds-risk-vs-return.png</image:loc><image:title>Core Funds Risk vs Return</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/core-funds-risk.png</image:loc><image:title>Core Funds Risk</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/core-funds-return.png</image:loc><image:title>Core Funds Return</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/hdfc-index-vs-hdfc-hybrid-outperformance.png</image:loc><image:title>HDFC index vs HDFC Hybrid Outperformance</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/hdfc-index-vs-hdfc-hybrid-risk.png</image:loc><image:title>HDFC index vs HDFC Hybrid Risk</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/hdfc-index-vs-hdfc-hybrid.png</image:loc><image:title>HDFC index vs HDFC Hybrid</image:title></image:image><lastmod>2020-09-20T01:15:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/about/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/08/profile-pic-2.jpg</image:loc><image:title>Profile Pic 2</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/07/profile-pic.jpg</image:loc><image:title>Profile Pic</image:title></image:image><lastmod>2020-09-13T08:34:33+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://eduform.in/contact/</loc><lastmod>2020-09-13T08:34:30+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://eduform.in/about-2/</loc><lastmod>2020-09-13T08:34:29+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://eduform.in/2020/04/12/franklin-india-ultra-short-bond-fund-is-it-time-to-exit/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/fiusb-3yr-rr.png</image:loc><image:title>FIUSB 3yr RR</image:title></image:image><lastmod>2020-09-13T02:17:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/05/09/contagion-effect-of-ft-debacle-debt-investing/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/aum-change-in-medium-duration-funds.png</image:loc><image:title>AUM Change in Medium Duration Funds</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/yield-curves.png</image:loc><image:title>yield curves</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/amfi-debt-fund-aum-apr-2020.png</image:loc><image:title>AMFI Debt Fund AUM Apr 2020</image:title></image:image><lastmod>2020-08-16T06:49:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/11/10/category-review-aggressive-hybrid-funds/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/11/hybrid-funds-returns.png</image:loc><image:title>Hybrid Funds - returns</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/11/hybrid-funds-1.png</image:loc><image:title>Hybrid Funds</image:title></image:image><lastmod>2020-08-06T14:12:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/04/10/efficient-frontier-asset-allocation/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/asset-allocation.png</image:loc><image:title>Asset Allocation</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/portfolio-returns_v1.png</image:loc><image:title>Portfolio Returns_V1</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/gold-equity.png</image:loc><image:title>Gold &amp; Equity</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/efficient-frontier.png</image:loc><image:title>Efficient Frontier</image:title></image:image><lastmod>2020-08-03T04:06:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/05/31/alpha-beta-capm/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/regression-for-capm.png</image:loc><image:title>Regression for CAPM</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/ipru-blue-vs-nifty-100-tri.png</image:loc><image:title>IPru Blue vs Nifty 100 TRI</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/nifty-100-tri-vs-ipru-bluechip.png</image:loc><image:title>Nifty 100 TRI vs IPru Bluechip</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/regression-plot-for-n100-iprublue.png</image:loc><image:title>Regression Plot for N100 &amp; IPruBlue</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/05/beta-vs-return-for-iprublue.png</image:loc><image:title>Beta vs Return for IPruBlue</image:title></image:image><lastmod>2020-07-17T04:08:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/06/28/gold-hits-life-time-high-have-you-missed-the-rally/</loc><lastmod>2020-06-28T07:16:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/06/25/are-you-being-fooled/</loc><lastmod>2020-06-25T09:07:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/06/21/portfolio-size-33x-annual-expenses-should-you-retire/</loc><lastmod>2020-06-21T23:58:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/02/15/category-review-large-mid-cap-funds/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/02/risk-vs-return.jpg</image:loc><image:title>Risk vs Return</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/02/fund-performance-lm.jpg</image:loc><image:title>Fund Performance L&amp;M</image:title></image:image><lastmod>2020-06-21T12:45:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/06/16/all-is-not-lost-in-your-franklin-schemes/</loc><lastmod>2020-06-16T15:09:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/08/24/category-review-mid-cap-funds/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/08/mid-cap-funds-1.png</image:loc><image:title>Mid Cap funds</image:title></image:image><lastmod>2020-06-06T00:43:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/04/19/have-you-invested-in-dividend-paying-mutual-fund-read-this/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/dividend-policy.png</image:loc><image:title>Dividend Policy</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/div-vs-growth-option-with-tax.png</image:loc><image:title>Div vs Growth Option with tax</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/04/div-vs-growth-option-1.png</image:loc><image:title>Div vs Growth Option</image:title></image:image><lastmod>2020-05-31T04:23:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/02/29/three-ms-of-finance/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/02/skill-time-metrics.png</image:loc><image:title>Skill TIme Metrics</image:title></image:image><lastmod>2020-05-24T04:57:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/03/23/dos-donts-during-the-market-panic/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/vi-index-as-of-mar-20-2020.png</image:loc><image:title>VI Index as of Mar 20, 2020</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/annual-returns-of-nifty-50-tri.png</image:loc><image:title>Annual Returns of Nifty 50 TRI</image:title></image:image><lastmod>2020-05-09T01:56:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/08/17/category-review-large-cap-funds/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/08/large-cap-funds.png</image:loc><image:title>Large Cap funds</image:title></image:image><lastmod>2020-04-19T08:09:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/10/18/modern-portfolio-theory-its-applications/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/10/coorelation-metrics.png</image:loc><image:title>Coorelation Metrics</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/10/avg-returns.png</image:loc><image:title>Avg Returns</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/10/large-cap-vs-mid-cap.png</image:loc><image:title>Large cap vs Mid cap</image:title></image:image><lastmod>2020-04-12T05:01:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/12/28/what-to-chose-between-epf-ppf-elss-for-80c-savings/</loc><lastmod>2020-04-10T09:25:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/12/02/three-drivers-of-market-earnings-liquidity-sentiment/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/12/probability.png</image:loc><image:title>Probability</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/12/nifty-pe-history-as-of-nov-30-2019.png</image:loc><image:title>Nifty PE History as of Nov 30 2019</image:title></image:image><lastmod>2020-03-28T04:57:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/03/08/buy-sell-or-hold/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/03/vi-index.png</image:loc><image:title>VI Index</image:title></image:image><lastmod>2020-03-23T07:39:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/08/10/category-review-multi-cap-funds/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/08/multi-cap-funds.png</image:loc><image:title>Multi-cap Funds</image:title></image:image><lastmod>2020-03-08T05:17:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/09/29/do-you-know-when-sell-your-investments/</loc><lastmod>2020-02-29T05:16:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2020/01/01/2019-the-year-it-was/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2020/01/new-year.png</image:loc><image:title>New Year</image:title></image:image><lastmod>2020-02-15T08:29:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/10/05/should-you-buy-small-cap-funds/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/10/large-mid-small-rr-2.png</image:loc><image:title>Large, Mid &amp; Small RR</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/10/large-mid-small-rr-1.png</image:loc><image:title>Large, Mid &amp; Small RR</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/10/large-mid-small.png</image:loc><image:title>Large, Mid &amp; Small</image:title></image:image><lastmod>2020-01-01T03:01:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/09/15/fund-review-icici-prudential-balanced-advantage-fund/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/iprubaf-returns-1.png</image:loc><image:title>IPruBAF Returns</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/ipru-baf.png</image:loc><image:title>IPru BAF</image:title></image:image><lastmod>2019-12-28T01:30:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/09/22/fund-comparison-icici-pru-bluechip-vs-absl-fontline-equity/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/10k-growth-in-lc.png</image:loc><image:title>10K growth in LC</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/return-distribution-lc-funds.png</image:loc><image:title>Return Distribution LC Funds</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/lc-fund-comparison.png</image:loc><image:title>LC Fund Comparison</image:title></image:image><lastmod>2019-12-02T14:10:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/11/18/idea-sell-your-debt-funds-they-have-vodafone-bonds/</loc><lastmod>2019-11-18T14:27:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/11/16/the-most-important-thing-illuminated-howard-marks/</loc><lastmod>2019-11-17T00:20:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/09/01/is-index-pe-ratio-still-relevant/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/valuation-index-interpretations.png</image:loc><image:title>Valuation index interpretations</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/nifty-pe-history-as-of-aug-23-2019.png</image:loc><image:title>Nifty PE History as of Aug 23 2019</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/09/pe-ratio.png</image:loc><image:title>PE Ratio</image:title></image:image><lastmod>2019-11-10T14:06:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/09/07/prisoners-dilemma-investing/</loc><lastmod>2019-10-18T14:44:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/07/06/category-review-small-cap-funds/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/07/small-cap-fund-reviews-rankings.png</image:loc><image:title>Small Cap Fund Reviews &amp; Rankings</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/07/small-cap-fund-category-return-2008-2019ytd.png</image:loc><image:title>Small Cap Fund Category Return 2008-2019YTD</image:title></image:image><lastmod>2019-10-05T00:34:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/12/02/asset-allocation-step-1-of-portfolio-management/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/12/improved-risk-adjusted-returns.jpg</image:loc><image:title>Improved Risk adjusted Returns</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/12/asset-allocation_dec-2018.png</image:loc><image:title>Asset Allocation_Dec 2018</image:title></image:image><lastmod>2019-09-29T00:34:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/04/27/time-diversification-lump-sum-vs-in-parts/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/04/lumpsum-vs-in-parts.png</image:loc><image:title>Lumpsum vs in Parts</image:title></image:image><lastmod>2019-09-22T02:43:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/08/05/july-corrections-scare-or-awakening/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/08/performance-vs-bse-sensex.png</image:loc><image:title>Performance vs BSE Sensex</image:title></image:image><lastmod>2019-09-01T01:56:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/06/23/fund-review-aditya-birla-sun-life-pure-value-fund/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/large-cap-vs-mid-cap.png</image:loc><image:title>Large cap vs Mid cap</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/06/value-funds-review.png</image:loc><image:title>Value Funds Review</image:title></image:image><lastmod>2019-08-24T07:13:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/07/13/debt-funds-3-0-risk-return-and-relationship/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/07/absl-medium-term-debt.png</image:loc><image:title>ABSL Medium Term Debt</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/07/debt-quality-check.png</image:loc><image:title>Debt quality check</image:title></image:image><lastmod>2019-08-17T02:30:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/11/12/basics-of-personal-finance/</loc><lastmod>2019-08-10T03:08:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/contact-us-2/</loc><lastmod>2019-08-06T13:17:33+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://eduform.in/2019/06/08/offense-wins-games-defense-wins-championships/</loc><lastmod>2019-08-05T05:08:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/11/17/portfolio-management-benefit-of-dynamic-asset-allocation/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/11/portfolio-returns_new.png</image:loc><image:title>Portfolio Returns_New</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/11/sip-return-of-1000rs.png</image:loc><image:title>SIP return of 1000rs</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/11/valuation-matrix-of-nifty_new.png</image:loc><image:title>Valuation Matrix of Nifty_New</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/11/pe-range-as-of-nov-09-2018.png</image:loc><image:title>PE Range as of Nov 09, 2018</image:title></image:image><lastmod>2020-05-25T05:31:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/04/06/three-levers-of-finance/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/04/nifty-return-_-duration-of-inv.png</image:loc><image:title>Nifty Return _ Duration of Inv</image:title></image:image><lastmod>2019-07-06T03:52:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/02/03/three-phases-of-the-wealth-cycle/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/02/three-phases-of-wealth-cycle.png</image:loc><image:title>Three phases of wealth cycle</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/02/networth-growth-trajectory.png</image:loc><image:title>Networth Growth Trajectory</image:title></image:image><lastmod>2019-06-22T06:50:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/02/23/anyone-can-be-a-millionaire/</loc><lastmod>2019-06-08T01:31:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/08/19/retirement-planning-4-0-core-satellite-portfolio-investing/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/08/core-satallite-portfolio.jpg</image:loc><image:title>Core &amp; Satallite Portfolio</image:title></image:image><lastmod>2019-05-26T01:17:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/03/17/being-rational-always-pays-off-leave-emotions-at-bay-stick-to-theory/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/03/1-vs-3-yr-return.png</image:loc><image:title>1 vs 3 yr return</image:title></image:image><lastmod>2019-04-27T04:47:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2019/01/06/looking-for-the-best-investment-is-a-futile-effort-aim-for-wealth-growth-vs-investment-returns/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2019/01/asset-returns.jpg</image:loc><image:title>asset returns</image:title></image:image><lastmod>2019-04-27T03:53:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/10/19/p-m-8-steps-to-put-you-towards-financial-independence/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/10/republic-day.png</image:loc><image:title>republic day</image:title></image:image><lastmod>2019-04-06T04:22:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/08/26/retirement-planning-5-0-5-foundation-pillars-of-personal-portfolio/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/08/5-pillars-of-personal-portfolio1.png</image:loc><image:title>5 Pillars of Personal Portfolio</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/08/personal-finance.png</image:loc><image:title>Personal Finance</image:title></image:image><lastmod>2019-03-17T06:11:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/07/15/balanced-advantage-funds-5-reasons-to-invest/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/07/balance.jpg</image:loc><image:title>balance</image:title></image:image><lastmod>2019-07-25T14:51:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/09/02/rp-6-0-how-much-equity-should-you-hold-in-your-portfolio/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/09/icici-amc-vi.png</image:loc><image:title>ICICI AMC VI</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/09/movi.jpg</image:loc><image:title>MOVI</image:title></image:image><lastmod>2019-02-03T04:55:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/09/29/portfolio-management-5-point-check-of-risk-appetite/</loc><lastmod>2019-02-03T04:53:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/09/23/portfolio-management-importance-of-p-e-ratio/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/09/pe-trend-eq-allocation.png</image:loc><image:title>PE trend &amp; Eq Allocation</image:title></image:image><lastmod>2019-03-02T04:02:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/10/27/how-to-train-for-your-financial-marathon/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/10/financial-marathon.png</image:loc><image:title>Financial Marathon</image:title></image:image><lastmod>2019-01-06T10:06:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/10/06/portfolio-management-understand-the-move-of-market-p-e/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/10/pe-range-as-of-oct-05-2018.png</image:loc><image:title>PE Range as of Oct 05, 2018</image:title></image:image><lastmod>2018-11-17T06:16:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/09/16/portfolio-management-7-ratios-to-measure-your-risk-capacity/</loc><lastmod>2018-11-12T11:46:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/08/04/retirement-planning-part-3-adjusting-for-lifestyle-investing/</loc><lastmod>2018-09-29T10:52:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/02/07/long-term-capital-gains-tax-its-impact-on-retail-investors/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/02/blog-41.jpg</image:loc><image:title>Blog 4</image:title></image:image><lastmod>2018-09-23T05:45:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/07/04/sector-thematic-funds-should-you-invest/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/07/money-manager-11.jpg</image:loc><image:title>Money Manager 1</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/07/blog-8.jpg</image:loc><image:title>Blog 8</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/07/icici-phd-fund.jpg</image:loc><image:title>ICICI PHD Fund</image:title></image:image><lastmod>2018-09-16T06:32:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/12/04/art-of-investing-small/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/quick-poll-_-wealth-accumulation1.jpg</image:loc><image:title>Quick Poll _ Wealth Accumulation</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/total.png</image:loc><image:title>total</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/table-2.png</image:loc><image:title>table 2</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/mf.png</image:loc><image:title>MF</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/table11.png</image:loc><image:title>table1</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/table1.png</image:loc><image:title>table1</image:title></image:image><lastmod>2018-08-25T06:34:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/07/22/retirement-planning-102-build-your-retirement-portfolio/</loc><lastmod>2018-08-04T05:17:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2018/01/17/retirement-planning-101-know-your-retirement-corpus/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/01/retirement.jpg</image:loc><image:title>retirement</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/01/blog-9.jpg</image:loc><image:title>Blog 9</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/01/blog-10.jpg</image:loc><image:title>Blog 10</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2018/01/blog-7.jpg</image:loc><image:title>Blog 7</image:title></image:image><lastmod>2018-07-22T09:05:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/10/16/how-far-from-being-a-millionairecalculating-you-net-worth/</loc><lastmod>2018-07-10T16:17:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/10/21/investment-option-gold-best-way-to-buy%c2%a0it/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/10/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/10/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-07-10T16:17:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/10/23/when-will-you-become-billionaire-calculate-your-speed-to-become-billionaire/</loc><lastmod>2018-07-10T16:17:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/11/02/investment-option-all-about-gold-etfs/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/11/untitled.png</image:loc><image:title>Gold ETFs</image:title></image:image><lastmod>2018-07-10T16:16:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/11/14/investment-option-real-estate/</loc><lastmod>2018-07-10T16:16:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2011/08/03/taxation-on-flats-sold-under-construction/</loc><lastmod>2018-07-10T16:15:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2011/10/18/the-story-of-a-middle-class-investor-part-1/</loc><lastmod>2018-07-10T16:14:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2011/11/13/the-story-of-a-middle-class-investor-part-2-mistakes-of-our-generation/</loc><lastmod>2018-07-10T16:14:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2012/05/12/do-you-make-these-mistakes-while-investing/</loc><lastmod>2024-12-31T11:11:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2016/06/10/5-lessons-from-childhood-financial-health/</loc><lastmod>2018-07-09T13:53:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/blogs/</loc><lastmod>2018-07-07T09:41:30+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://eduform.in/2012/01/31/tax-planning-b-smart/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2012/01/tax-saving-instruments-for-risk-takers.png</image:loc><image:title>Tax Saving instruments for Risk Takers</image:title><image:caption>Tax Saving instruments for Risk Takers</image:caption></image:image><lastmod>2012-02-01T16:54:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2011/11/27/income-tax-section-54-tool-to-save-long-term-capital-gains/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2011/10/graph54.png</image:loc><image:title>graph54</image:title></image:image><lastmod>2017-02-17T08:29:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2011/08/06/pe-ratio-essential-or-controversial-method/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2011/08/value-pick.png</image:loc><image:title>Value Pick</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2011/08/pe-ratio-for-banking.png</image:loc><image:title>PE Ratio for 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Investments</image:title></image:image><lastmod>2011-06-15T03:02:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2011/02/25/tax-saving-investments-medical-insurance/</loc><lastmod>2011-03-02T20:49:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/12/12/ipos-how-to-gain-from-them/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/punjab-sindh-bank.png</image:loc><image:title>Punjab &amp; Sindh Bank</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/12/last-30-ipos.png</image:loc><image:title>Last 30 IPO's</image:title></image:image><lastmod>2012-02-06T20:16:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/10/29/minimizing-tax-deductions-under-section-80ccf/</loc><lastmod>2011-03-09T05:01:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/10/08/optimize-investment-under-section-80c/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/10/investment-classification.png</image:loc><image:title>Investment Classification</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/10/fund-allocation.png</image:loc><image:title>Fund Allocation</image:title></image:image><lastmod>2010-10-08T19:47:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/09/30/minimizing-tax-deductions-under-section-80c-part-1/</loc><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/09/securities1.png</image:loc><image:title>Snapshot of Investments</image:title></image:image><image:image><image:loc>https://eduform.in/wp-content/uploads/2010/09/securities.png</image:loc><image:title>Snapshot</image:title></image:image><lastmod>2012-12-11T06:15:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/09/23/calculating-taxable-income/</loc><lastmod>2010-09-30T06:41:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in/2010/09/21/income-tax-for-salaried-people/</loc><lastmod>2010-09-22T03:51:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://eduform.in</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-01-28T21:31:13+00:00</lastmod></url></urlset>
