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    <changefreq>monthly</changefreq>
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      <image:title>Articles - Weighing up the Age Pension and the assets test - Make it stand out</image:title>
      <image:caption>Source: Department of Social Services. As at 20 September 2024.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63edc2ca9b63895546dc7749/0587dcc1-5010-4507-a48d-a292023d2831/Screenshot+2024-12-26+091231.png</image:loc>
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      <image:caption>Source: Department of Social Services. As at 20 September 2024.</image:caption>
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      <image:title>Articles - Weighing up the Age Pension and the assets test - Make it stand out</image:title>
      <image:caption>Source: Vanguard. As at 30 June 2024.</image:caption>
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      <image:caption>Note: respondents can report plans to make both regular and one-off contributions</image:caption>
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    <lastmod>2024-10-30</lastmod>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63edc2ca9b63895546dc7749/06fe262f-3b29-4315-9b2d-bf4f9c99dded/d2f46fd7f46d3ac6b1b58cca72a28ff934774c94-AI_NL_14279.jpg</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/63edc2ca9b63895546dc7749/a097fb50-b139-48c9-81b2-9da1dfd35c94/Picture+1.png</image:loc>
      <image:title>Articles - Markets love certainty, but what happens next? - Make it stand out</image:title>
      <image:caption>Source: Vanguard Digital Index Chartⁱᵛ</image:caption>
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      <image:title>Articles - Markets love certainty, but what happens next? - Make it stand out</image:title>
      <image:caption>Source: Dimension Funds Advisorsⁱⁱⁱ</image:caption>
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      <image:title>Articles - Is it time for bonds to shine? - Make it stand out</image:title>
      <image:caption>*Excludes the effects of consumption tax increase in 2014. Source: RBA; Refinitive.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/63edc2ca9b63895546dc7749/f356b622-e9a8-42b7-b6e9-9981c86d28fc/Screenshot+2024-04-30+135535.png</image:loc>
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      <image:caption>*Main refinancing rate until the introduction of 3-year LTROs in December 2011; deposit facility rate thereafter. Source: Central banks.</image:caption>
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      <image:title>Articles - Is it time for bonds to shine? - Make it stand out</image:title>
      <image:caption>Source: US Federal Reserve</image:caption>
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      <image:title>Articles - Is it time for bonds to shine? - Make it stand out</image:title>
      <image:caption>Source: US Federal Reserve, Macrobond</image:caption>
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      <image:caption>Notes: The calculation for the contribution of savings and investment returns is as follows: Assuming a 4% real return (after inflation), we calculate how much an investor needs to invest annually to achieve a given investment goal for different time horizons, varying from 0 years (now) to 40 years. Savings represent the amount invested (the principal). Contributions are assumed to be the same every year relative to the year investing begins. Source: Vanguard</image:caption>
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      <image:caption>Notes: Stocks are represented by the MSCI All Country World Index; bonds are represented by the Bloomberg Global Aggregate Bond Index (USD Hedged). Cash is represented by the Bloomberg U.S. Treasury 1–3 Month U.S. Treasury Bill Index. Returns are in nominal terms. Sources: Vanguard calculations, using data from Morningstar, Inc.</image:caption>
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