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      <image:title>Home - Balanced Fund</image:title>
      <image:caption>Balanced Fund Offered in NZD, GBP &amp; AUD The objective is to balance capital preservation and capital growth, with a level of volatility that generates a positive return with a moderate level of risk associated with investing in a mix of equity, fixed interest and cash. Cash and cash equivalents 4% International fixed interest 41% Australasian equities 2% International equities 52% Listed property 1% RiskCategory** 4 Suggested investment timeframe</image:caption>
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      <image:title>Home - Conservative Fund</image:title>
      <image:caption>Offered in GBP The objective is to preserve capital, with a reduced level of volatility generating positive returns with typically a lower level of risk by predominantly investing in fixed interest and cash. Fund Composition: • International equities 32% • International fixed interest 64% • Cash and cash equivalents 3% • Australasian equities 1% Risk Category 5 Suggested investment timeframe 5+ years</image:caption>
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      <image:title>Home - Growth Fund</image:title>
      <image:caption>Offered in NZD** &amp; GBP The objective is to provide capital growth, that generates higher returns with a level of volatility associated with investing predominantly in equity assets. Fund Composition: • International equities 73% • International fixed interest 20% • Cash and cash equivalents 5% • Australasian equities 2% NZD Risk Category** 5 GBP Risk Category 6 Suggested investment timeframe 10+ years</image:caption>
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    <lastmod>2024-10-07</lastmod>
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    <lastmod>2024-08-23</lastmod>
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    <lastmod>2024-08-20</lastmod>
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    <lastmod>2023-12-19</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/2022/7/1/baillie-gifford-a-steady-hand-and-being-comfortable-with-being-uncomfortable</loc>
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    <lastmod>2022-07-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/2022/6/21/meet-the-managers-baillie-gifford-thursday-16th-july-2022</loc>
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    <lastmod>2022-06-21</lastmod>
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    <lastmod>2022-05-26</lastmod>
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  <url>
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    <lastmod>2022-05-20</lastmod>
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    <lastmod>2022-02-10</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/2022/2/8/january-2022-member-update</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/2020/8/14/market-crashes-are-followed-by-recoveries</loc>
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    <priority>0.5</priority>
    <lastmod>2020-08-14</lastmod>
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      <image:title>Blog - Market Crashes Are Followed by Recoveries</image:title>
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    <loc>https://www.ranfurlysuperannuation.com/blog/2020/8/12/covid-update</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/2020/8/11/covid-recovery-1</loc>
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    <lastmod>2026-03-01</lastmod>
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      <image:title>Blog - Covid Recovery</image:title>
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      <image:title>Blog - Covid Recovery</image:title>
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    <loc>https://www.ranfurlysuperannuation.com/blog/2020/4/7/ranfurly-april-2020-member-update</loc>
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    <lastmod>2020-06-17</lastmod>
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    <lastmod>2026-03-01</lastmod>
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    <lastmod>2026-03-01</lastmod>
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    <lastmod>2026-03-01</lastmod>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/how-a-no-deal-brexit-could-affect-your-pension</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/a-rise-in-number-of-pension-transfers</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/potential-conflict-of-interest-in-malta-based-overseas-pension-schemes</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/changes-to-malta-based-overseas-pension-rules</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/changes-to-maltese-pension-regulations</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/investment-philosophy-of-investment-manager-behind-ranfurly-superannuation</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/continued-uncertainty-surrounding-brexit-and-implications-of-government-change</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/baillie-giffords-extremely-impressive-performance-over-decade</loc>
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    <lastmod>2026-03-01</lastmod>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/are-you-brexit-ready</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/baillie-gifford-managers-named-top-performing-fund-manager</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/suitable-transfer-advice-harder-to-come-by</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/ranfurly-investment-schemes-announcement</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/ranfurly-superannuation-scheme-manager-wins-peoples-choice-award</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/baillie-gifford-joins-growing-chorus-against-quarterly-reporting</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/baillie-gifford-wins-equity-manager-of-the-year</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/baillie-gifford-wins-top-award</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/levy-for-uk-overseas-pension-a-failure</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/new-changes-to-uk-pension-rules</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/2018/9/11/uk-government-proposes-e-signatures-to-increase-competitiveness-kc7kk</loc>
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    <lastmod>2026-03-01</lastmod>
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    <loc>https://www.ranfurlysuperannuation.com/blog/changes-in-pension-transfer-advice-prompts-those-wanting-transfers-to-act-now</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/does-anyone-remember-what-investing-actually-means</loc>
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    <lastmod>2026-03-01</lastmod>
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      <image:title>Blog - Baillie Gifford: Does Anyone Remember What 'Investing' Actually Means?</image:title>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/fears-of-hard-brexit</loc>
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    <lastmod>2026-03-01</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1535677159857-EUXVBS9M0571Q881L99G/brexit</image:loc>
      <image:title>Blog - Ongoing Brexit Uncertainty Ignites Fears of a Hard Exit</image:title>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/sipps-growth-impacting-uk-pension-schemes</loc>
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    <lastmod>2026-03-01</lastmod>
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      <image:title>Blog - The Growth of SIPPS Impacting on UK Pension Schemes</image:title>
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    <loc>https://www.ranfurlysuperannuation.com/blog/uk-pension-transfers-hit-record-high</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/how-brexit-could-impact-your-pension-transfer</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/changes-in-defined-benefit-pension-transfer-advice</loc>
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    <priority>0.5</priority>
    <lastmod>2026-03-01</lastmod>
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      <image:title>Blog - Changes in Defined Benefit Pension Scheme Transfer Advice: What You Need To Know.</image:title>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/investment-basics-stocks</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/blog/pension-terminology-explained</loc>
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    <lastmod>2026-03-01</lastmod>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/benefits</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-03</lastmod>
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      <image:title>Benefits</image:title>
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      <image:title>Benefits</image:title>
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      <image:title>Benefits</image:title>
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  <url>
    <loc>https://www.ranfurlysuperannuation.com/investments</loc>
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    <lastmod>2026-03-03</lastmod>
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      <image:title>Investments</image:title>
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      <image:title>Investments</image:title>
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      <image:title>Investments</image:title>
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      <image:title>Investments - Balanced Fund</image:title>
      <image:caption>Balanced Fund Offered in NZD, GBP &amp; AUD The objective is to balance capital preservation and capital growth, with a level of volatility that generates a positive return with a moderate level of risk associated with investing in a mix of equity, fixed interest and cash. Cash and cash equivalents 4% International fixed interest 41% Australasian equities 2% International equities 52% Listed property 1% RiskCategory** 4 Suggested investment timeframe</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1525053146021-EQBOEMB68V6ZIRG3SOCG/image-asset.jpeg</image:loc>
      <image:title>Investments - Conservative Fund</image:title>
      <image:caption>Offered in GBP The objective is to preserve capital, with a reduced level of volatility generating positive returns with typically a lower level of risk by predominantly investing in fixed interest and cash. Fund Composition: • International fixed interest 64% • International equities 32% • Cash and cash equivalents 3% • Australasian equities 1% Risk Category 5 Suggested investment timeframe 5+ years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1525053185292-OYC25E3TWPGFKR4RGFET/image-asset.png</image:loc>
      <image:title>Investments - Growth Fund</image:title>
      <image:caption>Offered in NZD** &amp; GBP The objective is to provide capital growth, that generates higher returns with a level of volatility associated with investing predominantly in equity assets. Fund Composition: • International equities 73% • International fixed interest 20% • Cash and cash equivalents 5% • Australasian equities 2% NZD Risk Category** 5 GBP Risk Category 6 Suggested investment timeframe 10+ years</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.ranfurlysuperannuation.com/about</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526962753476-SEZMU8WV3RF3PNIBJRFT/Screen+Shot+2018-04-27+at+2.13.10+PM.png</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1527144105322-R9DF2K20JSCAAYGAZQKI/shutterstock_239278120+copy.jpg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526962920152-GTAS38ABEEJIHEWJUNPI/photo-1507851191112-1bb853d191fb.jpeg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526962943776-87JGENM2LUI89E50EVIX/photo-1512001836996-40a16732ecec.jpeg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526962965343-KWV0ERKYPLOYU36M0226/photo-1508963493744-76fce69379c0.jpeg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526962969640-FQ2BT0OO3ULY6860I07U/photo-1473679408190-0693dd22fe6a.jpeg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1529295814600-Z2WS38HGBT0K948XESDX/matteo-vistocco-537858-unsplash.jpg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526962938343-ITWBE10GG17S8E6ZRO6A/photo-1513159446162-54eb8bdaa79b.jpeg</image:loc>
      <image:title>About Us</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ranfurlysuperannuation.com/contactus</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526974605067-DD9VPRN8VH3A4ENXTPW9/Screen+Shot+2018-04-27+at+2.13.10+PM.png</image:loc>
      <image:title>Contact Us</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1527149508711-IY6VC4ZYMYSN5HRWB9XD/shutterstock_156928670+copy.jpg</image:loc>
      <image:title>Contact Us</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ranfurlysuperannuation.com/faqs-and-documents</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1527144270764-4T9AA7KHCDNEN267E4E3/shutterstock_190788269+copy.jpg</image:loc>
      <image:title>FAQs and Documents</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1527144470615-4FFU91H9BHMA6J7ZF58U/shutterstock_689722474+copy.jpg</image:loc>
      <image:title>FAQs and Documents</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1528961943344-HPUFAVJ9Z4JL7KSK2YCX/image-asset.jpeg</image:loc>
      <image:title>FAQs and Documents - Product Disclosure Statement</image:title>
      <image:caption>A copy of the current PDS dated 4 March 2026 can be downloaded below, obtained (at no charge) by contacting i-Select Limited on +64 3 308 0144 or email us at ranfurly@i-select.co.nz. Alternatively, the PDS may be viewed online on the Disclose Register on the offer register for the Scheme at https://disclose-register.companiesoffice.govt.nz.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1528968013890-RVAKG5RV048MQXH3EQEP/image-asset.jpeg</image:loc>
      <image:title>FAQs and Documents - Statement Of Investment Policy &amp; Objective</image:title>
      <image:caption>A copy of the current SIPO can be downloaded below, obtained (at no charge) by contacting i-Select Limited on +64 3 308 0144 or email us at ranfurly@i-select.co.nz. Alternatively, the SIPO may be viewed online on the Disclose Register on the offer register for the Scheme at https://disclose-register.companiesoffice.govt.nz.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1528968080600-LIUT13149HDKH6CGG6JG/image-asset.jpeg</image:loc>
      <image:title>FAQs and Documents - Other Material Information (OMI)</image:title>
      <image:caption>A copy of the OMI can be downloaded below, obtained (at no charge) by contacting i-Select Limited on +64 3 308 0144 or email us at ranfurly@i-select.co.nz. Alternatively, the OMI may be viewed online on the Disclose Register on the offer register for the Scheme at https://disclose-register.companiesoffice.govt.nz.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1619510716170-IXUBA5HSE5K5MX2H8WR7/unsplash-image-5BuxuWIJF1Q.jpg</image:loc>
      <image:title>FAQs and Documents - Privacy Statement</image:title>
      <image:caption>The Ranfurly Superannuation Scheme Privacy Statement can be viewed in full below.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1528968169177-6JXTULGP5UAKR2H7XOVW/image-asset.jpeg</image:loc>
      <image:title>FAQs and Documents - Ranfurly - Funds in the Scheme (OMI)</image:title>
      <image:caption>A copy of the OMI – Funds in the Scheme can be downloaded below, obtained (at no charge) by contacting i-Select Limited on +64 3 308 0144 or email us at ranfurly@i-select.co.nz. Alternatively, the OMI – Funds in the Scheme may be viewed online on the Disclose Register on the offer register for the Scheme at https://disclose-register.companiesoffice.govt.nz.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.ranfurlysuperannuation.com/uk-pension-transfers</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-05-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1527151228596-CZVJO8U3HVNKWN3EB4RV/shutterstock_198495626.jpg</image:loc>
      <image:title>UK Pension Transfers to NZ</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1525078708764-7FEO4ITMIA6LI4ZHPJH7/thomas-hetzler-555440-unsplash.jpg</image:loc>
      <image:title>UK Pension Transfers to NZ</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1526351363844-TGN81A21UKA6SJPMRO5A/Screen+Shot+2018-04-27+at+2.13.10+PM.png</image:loc>
      <image:title>UK Pension Transfers to NZ</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1525053108977-W64KG96JW248Q9CXGGCE/image-asset.png</image:loc>
      <image:title>UK Pension Transfers to NZ - Balanced Fund</image:title>
      <image:caption>Balanced Fund Offered in NZD, GBP &amp; AUD The objective is to balance capital preservation and capital growth, with a level of volatility that generates a positive return with a moderate level of risk associated with investing in a mix of equity, fixed interest and cash. Cash and cash equivalents 4% International fixed interest 41% Australasian equities 2% International equities 52% Listed property 1% RiskCategory** 4 Suggested investment timeframe</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1525053146021-EQBOEMB68V6ZIRG3SOCG/image-asset.jpeg</image:loc>
      <image:title>UK Pension Transfers to NZ - Conservative Fund</image:title>
      <image:caption>Offered in GBP The objective is to preserve capital, with a reduced level of volatility generating positive returns with typically a lower level of risk by predominantly investing in fixed interest and cash. Fund Composition: • International fixed interest 64% • International equities 30% • Cash and cash equivalents 3% • Listed property 2% • Australian equities 1% Risk Category** 4 Suggested investment timeframe 5+ years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1525053185292-OYC25E3TWPGFKR4RGFET/image-asset.png</image:loc>
      <image:title>UK Pension Transfers to NZ - Growth Fund</image:title>
      <image:caption>Offered in NZD &amp; GBP The objective is to provide capital growth, that generates higher returns with a level of volatility associated with investing predominantly in equity assets. Fund Composition: • International equities 73% • International fixed interest 19% • Cash and cash equivalents 6% • Australian equities 2% Risk Category** 4 Suggested investment timeframe 5+ years</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae2816075f9eeb0a66187a9/1525059840486-9KW3DWBQTIIQTNQNFPX8/image-asset.jpeg</image:loc>
      <image:title>UK Pension Transfers to NZ</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.ranfurlysuperannuation.com/maintenance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-11-27</lastmod>
  </url>
</urlset>

