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Shares</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/tumblr_inline_n3j72s94pg1rh4ky-551bcb6951a521.jpeg</image:loc><image:title>tumblr_inline_n3j72s94pg1rh4ky-551bcb6951a52</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/tumblr_inline_n3j72s94pg1rh4ky-551bcb6951a52.jpeg</image:loc><image:title>tumblr_inline_n3j72s94pg1rh4ky-551bcb6951a52</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/blank-june-2017-calendar.jpeg</image:loc><image:title>blank-June-2017-calendar</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/blank-may-2017-calendar.jpeg</image:loc><image:title>blank-May-2017-calendar</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-06-23-at-12-22-57-pm.png</image:loc><image:title>Screen Shot 2017-06-23 at 12.22.57 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-06-23-at-12-18-07-pm.png</image:loc><image:title>Screen Shot 2017-06-23 at 12.18.07 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-06-23-at-11-16-41-am.png</image:loc><image:title>Screen Shot 2017-06-23 at 11.16.41 AM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-04-15-at-10-38-27-pm.png</image:loc><image:title>Screen Shot 2017-04-15 at 10.38.27 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-04-15-at-10-38-14-pm.png</image:loc><image:title>Screen Shot 2017-04-15 at 10.38.14 PM</image:title></image:image><lastmod>2017-06-26T00:24:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/03/16/compare-etf-cost-between-superlife-and-smartshares/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/vfmfvjl.png</image:loc><image:title>VFMfvJL</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/compare.jpg</image:loc><image:title>ETF compare</image:title></image:image><lastmod>2017-06-09T08:11:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/05/03/how-easy-to-get-your-money-out-from-smartshares-etf/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/unknown-2.png</image:loc><image:title>Unknown-2</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/25-liquidity.jpg</image:loc><image:title>25-Liquidity</image:title><image:caption>Blue water splash</image:caption></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/6fedfec94345574e2ecfd9d3f1cde905-copy.jpg</image:loc><image:title>6fedfec94345574e2ecfd9d3f1cde905 copy</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/screen-shot-2017-05-03-at-2-15-19-pm-copy.png</image:loc><image:title>Screen Shot 2017-05-03 at 2.15.19 PM copy</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/screen-shot-2017-05-03-at-2-15-07-pm-copy.png</image:loc><image:title>Screen Shot 2017-05-03 at 2.15.07 PM copy</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/screen-shot-2017-05-03-at-2-16-28-pm.png</image:loc><image:title>Screen Shot 2017-05-03 at 2.16.28 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/screen-shot-2017-05-03-at-2-15-19-pm.png</image:loc><image:title>Screen Shot 2017-05-03 at 2.15.19 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/screen-shot-2017-05-03-at-2-15-07-pm.png</image:loc><image:title>Screen Shot 2017-05-03 at 2.15.07 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/screen-shot-2017-04-26-at-1-57-10-pm.png</image:loc><image:title>Screen Shot 2017-04-26 at 1.57.10 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/screen-shot-2017-04-26-at-1-33-26-pm1.png</image:loc><image:title>Screen Shot 2017-04-26 at 1.33.26 PM</image:title></image:image><lastmod>2018-01-16T18:40:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/05/09/investnow-invest-in-vanguard-fund-with-0-20-fee/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/1705-how-it-works-1200x1447.jpeg</image:loc><image:title>1705-How-it-works-1200x1447</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/vanguard.png</image:loc><image:title>Vanguard</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/how.jpg</image:loc><image:title>How</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/logos.jpg</image:loc><image:title>Logos</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/screen-shot-2017-05-04-at-2-39-11-pm.png</image:loc><image:title>Screen Shot 2017-05-04 at 2.39.11 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/cropped-siteicon.jpeg</image:loc><image:title>cropped-SiteIcon</image:title></image:image><lastmod>2017-06-25T20:27:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/05/24/simplicity-cease-offering-on-investnow-but-dont-let-that-stop-you/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/giphy.gif</image:loc><image:title>giphy</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/cqlobma.gif</image:loc><image:title>CqLObMA</image:title></image:image><lastmod>2017-06-07T21:30:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/05/31/the-best-way-to-start-your-investment-as-beginner-in-new-zealand/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/logo1.png</image:loc><image:title>logo</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/logo.png</image:loc><image:title>logo</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/jump.jpg</image:loc><image:title>jump</image:title></image:image><lastmod>2018-02-27T09:22:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/06/02/why-your-kiwisaver-employer-contribution-are-less-than-yours-while-both-paying-3/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-06-02-at-9-50-20-pm.png</image:loc><image:title>Screen Shot 2017-06-02 at 9.50.20 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/re-kiwisaver-1-page-1-3.jpeg</image:loc><image:title>RE KiwiSaver 1 - Page 1-3</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/scales-icon-0.png</image:loc><image:title>scales-icon-0</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-06-02-at-3-18-52-pm1.png</image:loc><image:title>Screen Shot 2017-06-02 at 3.18.52 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/06/screen-shot-2017-06-02-at-3-18-52-pm.png</image:loc><image:title>Screen Shot 2017-06-02 at 3.18.52 PM</image:title></image:image><lastmod>2017-06-07T21:28:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/05/17/do-you-need-kiwisaver-if-you-plan-to-retire-early/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/kiwisaver-fees.png</image:loc><image:title>kiwisaver-fees</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/she-ll-be-right-mate.jpeg</image:loc><image:title>She-ll-be-right-mate</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/kiwisaverlogo_6.jpg</image:loc><image:title>KiwiSaverlogo_6</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/re-kiwisaver-1.jpeg</image:loc><image:title>RE KiwiSaver 1</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/blank-diagram-page-12.jpeg</image:loc><image:title>Blank Diagram - Page 1(2)</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/ks-empty-at-4.png</image:loc><image:title>KS empty at 4</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/blank-diagram-page-111.jpeg</image:loc><image:title>Blank Diagram - Page 1(1)</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/ks-before-and-after1.jpeg</image:loc><image:title>KS Before and After</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/05/blank-diagram-page-11.jpeg</image:loc><image:title>Blank Diagram - Page 1(1)</image:title></image:image><lastmod>2017-05-29T22:54:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/03/17/will-you-switch-kiwisaver-plan-during-a-market-correction/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2016/10/stock-market-correction.png</image:loc><image:title>stock-market-correction</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2016/10/superlife60.png</image:loc><image:title>superlife60</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2016/10/superlifeincome2015.png</image:loc><image:title>superlifeincome2015</image:title></image:image><lastmod>2017-05-13T08:55:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/04/21/investing-its-only-getting-easier/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/investment1.jpeg</image:loc><image:title>Investment1</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/investment-easy-3.png</image:loc><image:title>investment easy 3</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/investment-easy-4.png</image:loc><image:title>investment easy 4</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/investment-easy-6.png</image:loc><image:title>investment easy 6</image:title></image:image><lastmod>2017-05-03T09:17:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/04/11/cheapest-way-to-buy-and-hold-nz-top-50-etf/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/screen-shot-2017-04-11-at-3-35-00-pm.png</image:loc><image:title>Screen Shot 2017-04-11 at 3.35.00 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/7mwzj4c.png</image:loc><image:title>7mwzj4C</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/04/screen-shot-2017-04-11-at-2-11-33-pm.png</image:loc><image:title>Screen Shot 2017-04-11 at 2.11.33 PM</image:title></image:image><lastmod>2017-05-03T09:17:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/03/18/my-first-mortgage-as-a-noob/</loc><lastmod>2017-04-11T09:35:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/03/21/a-simple-graph-that-explains-where-to-invest-your-money/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/where-to-invest-h.png</image:loc><image:title>where to invest H</image:title></image:image><lastmod>2018-01-09T09:46:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/03/27/10-mistakes-ive-made-as-first-home-buyer/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/9cf300a385c4d0ed79e7fd9564c24b6a0bc002b2ce7a7ee29d5a4cbab55de6d8.jpeg</image:loc><image:title>9cf300a385c4d0ed79e7fd9564c24b6a0bc002b2ce7a7ee29d5a4cbab55de6d8</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/fotolia_83821726_subscription_xl-800x451.jpg</image:loc><image:title>Taschenrechner</image:title></image:image><lastmod>2017-04-11T09:34:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com/2017/03/31/where-to-invest-your-money-in-new-zealand-part-2/</loc><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/hpi.png</image:loc><image:title>HPI</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/screen-shot-2017-03-30-at-10-57-14-pm1.png</image:loc><image:title>Screen Shot 2017-03-30 at 10.57.14 PM</image:title></image:image><image:image><image:loc>https://thesmartandlazy.com/wp-content/uploads/2017/03/screen-shot-2017-03-30-at-10-57-14-pm.png</image:loc><image:title>Screen Shot 2017-03-30 at 10.57.14 PM</image:title></image:image><lastmod>2017-04-11T09:33:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thesmartandlazy.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2020-06-18T21:40:05+00:00</lastmod></url></urlset>
