<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url>
<loc>https://www.smiths.net.nz</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>weekly</changefreq>
<priority>1</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.9</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/health-check</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>weekly</changefreq>
<priority>1</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/health-check/hardship</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/compare</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/switch</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/rankings</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/glossary</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/method</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/news</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/reports</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/reports/capital-flows/2026-q1</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/about/how-were-paid</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/calculators</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/calculators/contribution-optimiser</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/calculators/fee-burn</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/calculators/fee-impact</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/calculators/first-home</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/calculators/pir-checker</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/calculators/retirement-gap</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>weekly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/who-we-help</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/how-it-works</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/providers</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/resources</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/book-review</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/contact</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/complaints</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/disclosure</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/privacy-policy</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.3</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/terms</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.3</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/providers</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/fma-kiwisaver-annual-report-2025</loc>
<lastmod>2026-05-03T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/how-to-switch-kiwisaver</loc>
<lastmod>2026-04-15T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/pir-explained</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/right-risk-band-for-your-age</loc>
<lastmod>2026-04-01T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/fees-compound-silent-tax</loc>
<lastmod>2026-03-25T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/10-year-vs-1-year-returns</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/default-funds-the-trap</loc>
<lastmod>2026-03-11T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/first-home-kiwisaver-rules</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/aggressive-vs-growth</loc>
<lastmod>2026-02-25T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/switching-without-losing-growth</loc>
<lastmod>2026-02-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/when-to-dial-down-risk</loc>
<lastmod>2026-02-11T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/insights/why-this-panel</loc>
<lastmod>2026-05-02T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/acc-coverplus-vs-coverplus-extra-self-employed-nz</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/acc-is-not-income-protection-five-limits-nz</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/acc-shareholder-employees-paye-cpx-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/acc-weekly-compensation-cap-gap-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/active-vs-passive-kiwisaver-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/adviser-kiwisaver-vs-diy-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/aggressive-kiwisaver-fund-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/bank-vs-robo-vs-independent-adviser-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/booster-vs-simplicity-kiwisaver-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/budget-2025-kiwisaver-changes-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/budget-2025-kiwisaver-first-home-buyers-nz</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/business-exit-vs-kiwisaver-retirement-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/buying-first-home-with-partner-kiwisaver-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/common-kiwisaver-mistakes-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/compare-kiwisaver-fees-across-providers-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/cost-of-not-getting-financial-advice-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/esct-kiwisaver-employer-contribution-tax-nz</loc>
<lastmod>2026-03-24T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/ethical-responsible-kiwisaver-funds-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/family-health-insurance-society-vs-adviser-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/fee-only-vs-commission-financial-advisers-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/health-vs-trauma-vs-income-protection-which-first-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-advisers-compare-insurers-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-an-adviser-structures-life-cover-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-much-acc-coverplus-extra-cover-nz</loc>
<lastmod>2026-03-09T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-much-do-you-need-to-retire-nz-2026</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-much-kiwisaver-for-house-deposit-nz</loc>
<lastmod>2026-05-21T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-much-should-kiwisaver-fee-be-2026-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-much-to-retire-nz-kiwisaver-on-track</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-pie-tax-works-kiwisaver-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-to-choose-a-financial-adviser-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/how-to-choose-a-kiwisaver-fund-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/income-protection-contractors-illness-gap-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/income-protection-or-mortgage-protection-home-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/income-protection-vs-savings-buffer-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/inflation-retirement-savings-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-changes-2026-life-events-nz</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-contribution-rate-increase-3-5-to-4-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-decumulation-drawdown-nz</loc>
<lastmod>2026-05-21T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-default-funds-explained-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-drawdown-options-retirement-nz</loc>
<lastmod>2026-05-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-during-income-protection-claim-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fees-eating-retirement-fee-drag-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fees-vs-performance-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-first-home-mistakes-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-first-home-withdrawal-rules-process-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fund-at-retirement-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fund-by-age-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fund-choice-vs-contributions-nz</loc>
<lastmod>2026-03-10T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fund-risk-profile-life-stage-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fund-short-timeframe-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fund-switch-before-first-home-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-fund-types-explained-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-government-contribution-cut-2026-nz</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-government-contribution-self-employed-nz</loc>
<lastmod>2026-05-20T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-government-contribution-top-up-deadline-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-hardship-withdrawal-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-life-insurance-on-death-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-moving-to-australia-transfer-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-on-death-estate-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-previous-home-owner-second-chance-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-providers-list-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-relationship-split-separation-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-returns-after-fees-tax-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-returns-explained-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-savings-suspension-contribution-break-nz</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-second-chance-buyer-nz</loc>
<lastmod>2026-04-28T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-tax-fee-mistakes-before-30-june-nz</loc>
<lastmod>2026-05-26T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-to-mortgage-first-home-plan-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-withdrawal-age-65-retirement-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/kiwisaver-wrong-fund-too-conservative-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/life-cover-for-parents-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/lifestages-kiwisaver-funds-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/low-fee-kiwisaver-providers-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/no-frills-vs-choices-retirement-nz</loc>
<lastmod>2026-03-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/non-pharmac-drug-gap-cancer-cover-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/nz-super-rates-eligibility-2026-nz</loc>
<lastmod>2026-04-08T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/off-work-illness-not-injury-income-cover-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/pir-too-high-overpaying-kiwisaver-tax-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/pre-existing-conditions-insurance-options-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/protect-new-mortgage-which-cover-first-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/public-surgery-waitlist-private-cover-nz</loc>
<lastmod>2026-05-28T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/retirement-calculators-vs-adviser-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/retirement-income-gap-nz-2026</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/retiring-with-mortgage-or-renting-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/safe-withdrawal-rate-retirement-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/self-employed-financial-checklist-kiwisaver-acc-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/self-employed-kiwisaver-no-employer-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/self-employed-retirement-planning-no-employer-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/shareholder-protection-buy-sell-agreement-funding-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/simplicity-vs-kernel-kiwisaver-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/switching-kiwisaver-funds-providers-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/what-happens-in-a-kiwisaver-review-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/what-pir-should-i-be-on-kiwisaver-nz</loc>
<lastmod>2026-05-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/when-can-i-retire-nz-2026</loc>
<lastmod>2026-05-19T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/when-to-see-a-financial-adviser-nz</loc>
<lastmod>2026-03-04T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/when-to-switch-kiwisaver-funds-nz</loc>
<lastmod>2026-04-22T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/wrong-kiwisaver-fund-conservative-vs-growth-nz</loc>
<lastmod>2026-03-11T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/the-importance-of-medical-insurance</loc>
<lastmod>2025-11-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/personal-risk</loc>
<lastmod>2025-11-12T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/general-insurance-considerations</loc>
<lastmod>2024-12-18T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-health-insurance-providers</loc>
<lastmod>2024-09-10T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-kiwisaver-fund</loc>
<lastmod>2024-09-10T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-business-protection</loc>
<lastmod>2024-09-10T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-income-insurance</loc>
<lastmod>2024-05-27T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-house-insurance</loc>
<lastmod>2024-05-27T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-kiwisaver-contribution</loc>
<lastmod>2024-05-27T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-kiwisaver</loc>
<lastmod>2024-03-27T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-personal-insurance</loc>
<lastmod>2024-03-27T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/insights/blog-post-title-domestic-insurance</loc>
<lastmod>2024-03-27T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.7</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/life-insurance</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/income-protection</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/trauma-insurance</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/health-insurance</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/total-permanent-disability</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/mortgage-protection</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/home-contents-insurance</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/services/business-insurance</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/tools/kiwisaver-health-check</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/tools/insurance-needs-calculator</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/tools/kiwisaver-growth-calculator</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/tools/retirement-calculator</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/tools/first-home-deposit-calculator</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.5</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/craig-smith</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/guy-gilbert</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/connor-gill</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/marissa-couch</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/henry-smith</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/ben-bayley</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/nicky-duckmanton</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/about/team/kate-duckmanton</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>yearly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/asb</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/anz</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/fisher</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/milford</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/westpac</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/amp</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/generate</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/bnz</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/booster</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/simplicity</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/mercer</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/mas</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/sbs</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/kernel</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/pathfinder</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/providers/quaystreet</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/growth</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/balanced</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/conservative</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/defensive</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/aggressive</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/low-fees</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/10-year-return</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/default</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/ethical</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/first-home</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/under-35</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/over-55</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/booster</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/milford</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/fisher</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/generate</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/best/nzfunds</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.6</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-kiwisaver-scheme/cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-default-kiwisaver-scheme/cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-nz-bond-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-cash-plus-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-us-bond-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-s-amp-p-500-nzd-hedged-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/cashplus-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-nz-fixed-interest-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/milford-kiwisaver-plan/milford-kiwisaver-cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-fixed-interest-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/asb-kiwisaver-scheme/nz-cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/cashplus-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-global-fixed-interest-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/nz-funds-kiwisaver-scheme/income-strategy</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/preservation-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/sbs-wealth-income-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/sbs-wealth-cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/enhanced-cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mercer-kiwisaver-scheme/cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mas-kiwisaver-scheme/cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/cash-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/simplicity-kiwisaver-scheme/defensive-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-income-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/pathfinder-kiwisaver-plan/pathfinder-kiwisaver-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/capital-guaranteed-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-defensive-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/cash-enhanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/core-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-first-home-buyer-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/glidepath-age-75</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/simplicity-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/glidepath-age-75</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mas-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-default-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mercer-kiwisaver-scheme/responsible-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/defensive-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-76</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-growth-76</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/milford-kiwisaver-plan/milford-kiwisaver-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-conservative-fund-lifesteps</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-conservative-fund-no-2</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/milford-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/asb-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/global-select-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/glidepath-age-65</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-scheme/glidepath-age-75</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/glidepath-age-65</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/lifestages-auto-option-age-65</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-65-75</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/asset-class-conservative-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/socially-responsible-moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-default-kiwisaver-scheme/conservative-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-kiwisaver-scheme/conservative-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/asb-kiwisaver-scheme/moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/lifestages-auto-option-age-60-64</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-moderate-fund-lifesteps</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mercer-kiwisaver-scheme/responsible-moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mas-kiwisaver-scheme/moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/milford-kiwisaver-plan/milford-kiwisaver-moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-growth-61-75</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-61-64</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-moderate-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-scheme/glidepath-age-60</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-moderate-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-moderate-balanced-fund-lifesteps</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-default-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/default-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/default-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-56-60</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/pathfinder-kiwisaver-plan/pathfinder-kiwisaver-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/nz-funds-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/default-saver-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-balanced-fund-no-4</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-balanced-fund-no-2</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-balanced-fund-lifesteps</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/socially-responsible-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/lifestages-auto-option-age-55-59</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/simplicity-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/simplicity-kiwisaver-scheme/default-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-scheme/balanced-strategy</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/asb-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/asset-class-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mas-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mercer-kiwisaver-scheme/responsible-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-socially-responsible-investment-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/glidepath-age-55</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/glidepath-age-55</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/milford-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-growth-56-60</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-46-55</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-altum-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-default-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/milford-kiwisaver-plan/milford-kiwisaver-balanced-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-default-kiwisaver-scheme/balanced-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-kiwisaver-scheme/balanced-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/nz-funds-kiwisaver-scheme/life-cycle-age-75</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/global-select-balanced-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-scheme/glidepath-age-50</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/pathfinder-kiwisaver-plan/pathfinder-kiwisaver-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/nz-funds-kiwisaver-scheme/life-cycle-age-65</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/socially-responsible-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-scheme/glidepath-age-30</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-growth-fund-no-2</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-growth-fund-lifesteps</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/lifestages-auto-option-age-50-54</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mercer-kiwisaver-scheme/responsible-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/simplicity-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/asb-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/milford-kiwisaver-plan/milford-kiwisaver-active-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/milford-active-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mas-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-default-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/glidepath-age-40</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-growth-51-55</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-36-45</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/glidepath-age-40</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/pathfinder-kiwisaver-plan/pathfinder-kiwisaver-high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/global-select-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/glidepath-age-25</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-two-kiwisaver-scheme/equity-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-australian-equity-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/asset-class-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/glidepath-age-25</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/fisher-funds-kiwisaver-plan/aggressive-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-new-zealand-equity-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mas-kiwisaver-scheme/aggressive-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/shielded-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/nz-funds-kiwisaver-scheme/life-cycle-age-0-54</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mercer-kiwisaver-scheme/responsible-high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-kiwisaver-scheme/high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-aggressive-fund-lifesteps</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-aggressive-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/anz-default-kiwisaver-scheme/high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/socially-responsible-high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/asb-kiwisaver-scheme/aggressive-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/simplicity-kiwisaver-scheme/high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-international-equity-nzd-hedged-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/quaystreet-kiwisaver-scheme/quaystreet-international-equity-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/australasian-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-0-35</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/focused-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/sbs-wealth-focused-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/stepping-stones-growth-0-50</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/global-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/lifestages-auto-option-age-0-49</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/nz-funds-kiwisaver-scheme/inflation-strategy</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/sbs-wealth-kiwisaver-scheme/sbs-wealth-high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/socially-responsible-geared-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/generate-kiwisaver-scheme/thematic-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/booster-kiwisaver-scheme/geared-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mas-kiwisaver-scheme/global-equities-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/westpac-kiwisaver-scheme/high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/nz-funds-kiwisaver-scheme/growth-strategy</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-global-esg-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-s-amp-p-global-100-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-global-infrastructure-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-nz-small-amp-mid-cap-opportunities-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-global-property-nzd-hedged-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-international-shares-fund-no-3</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-international-shares-fund-no-2</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-international-shares-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/mercer-kiwisaver-scheme/responsible-shares-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/bnz-kiwisaver-scheme/bnz-kiwisaver-high-growth-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/milford-kiwisaver-plan/milford-kiwisaver-aggressive-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-s-amp-p-global-dividend-aristocrats-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-s-amp-p-500-unhedged-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-world-ex-us-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/amp-australasian-shares-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-australia-100-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-nz-20-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-nz-commercial-property-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/amp-kiwisaver-scheme/milford-aggressive-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-global-esg-nzd-hedged-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-emerging-markets-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-nz-50-esg-tilted-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
<url>
<loc>https://www.smiths.net.nz/kiwisaver/funds/kernel-kiwisaver-plan/kernel-s-amp-p-global-clean-energy-fund</loc>
<lastmod>2026-06-16T00:00:00.000Z</lastmod>
<changefreq>monthly</changefreq>
<priority>0.4</priority>
</url>
</urlset>
