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copy</image:title></image:image><lastmod>2025-02-18T05:14:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2025/02/04/whats-your-japan-plan/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2025/02/89.jpg</image:loc><image:title>89</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2025/02/screenshot-2025-02-03-at-3.37.49e280afpm.png</image:loc><image:title>Screenshot 2025-02-03 at 3.37.49 PM</image:title></image:image><lastmod>2025-02-04T05:23:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2025/01/24/pump-my-bags/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2025/01/screenshot-2025-01-24-at-2.52.57e280afpm.png</image:loc><image:title>Screenshot 2025-01-24 at 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copy</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2025/01/joker.gif</image:loc><image:title>Joker</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2025/01/screenshot-2025-01-20-at-2.19.41e280afpm.png</image:loc><image:title>Screenshot 2025-01-20 at 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2025-01-10 at 10.58.15 AM</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2025/01/screenshot-2025-01-10-at-10.40.12e280afam.png</image:loc><image:title>Screenshot 2025-01-10 at 10.40.12 AM</image:title></image:image><lastmod>2025-01-14T05:17:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2024/12/04/2024-final-boss/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/12/screenshot-2024-12-04-at-3.20.15e280afpm.png</image:loc><image:title>Screenshot 2024-12-04 at 3.20.15 PM</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/12/screenshot-2024-12-04-at-3.18.53e280afpm.png</image:loc><image:title>Screenshot 2024-12-04 at 3.18.53 PM</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/12/gd6nouqxkaakqsl.jpeg</image:loc><image:title>Gd6NouqXkAAkQSl</image:title></image:image><lastmod>2024-12-04T07:05:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2024/10/25/facing-inflation-the-four-assets-you-should-own/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/10/60854.jpg</image:loc><image:title>60854</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/10/screenshot-2024-10-23-at-4.17.15e280afpm.png</image:loc><image:title>Screenshot 2024-10-23 at 4.17.15 PM</image:title></image:image><lastmod>2024-11-29T01:34:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2024/11/29/planetdao-a-new-approach-to-preserving-japanese-cultural-properties/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao-logo-horizontal-black-1.png</image:loc><image:title>PlanetDAO Logo horizontal-black</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao-logo-horizontal-black.png</image:loc><image:title>PlanetDAO Logo horizontal-black</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao002_forest-large-2.jpeg</image:loc><image:title>PlanetDAO002_forest Large</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao002_forest-large-1-1.jpeg</image:loc><image:title>PlanetDAO002_forest Large (1)</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao002_forest-large-1.jpeg</image:loc><image:title>PlanetDAO002_forest Large (1)</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao002_forest-large.jpeg</image:loc><image:title>PlanetDAO002_forest Large</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao001_visit-large-1.jpeg</image:loc><image:title>PlanetDAO001_visit Large</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/planetdao001_visit-large.jpeg</image:loc><image:title>PlanetDAO001_visit Large</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/how-it-works-6.png</image:loc><image:title>How it works</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/how-it-works-5.png</image:loc><image:title>How it works</image:title></image:image><lastmod>2024-11-29T01:22:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2024/11/14/bitcoin-when-do-i-sell/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/16305543_sl_052321_43220_14.jpg</image:loc><image:title>crypto currency bitcoin balloon bubble concept</image:title><image:caption>crypto currency bitcoin balloon bubble concept</image:caption></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/screenshot-2024-11-14-at-1.30.06e280afpm.png</image:loc><image:title>Screenshot 2024-11-14 at 1.30.06 PM</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/screenshot-2024-11-14-at-10.16.42e280afam.png</image:loc><image:title>Screenshot 2024-11-14 at 10.16.42 AM</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/screenshot-2024-11-14-at-10.06.12e280afam.png</image:loc><image:title>Screenshot 2024-11-14 at 10.06.12 AM</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/screenshot-2024-11-14-at-9.47.14e280afam.png</image:loc><image:title>Screenshot 2024-11-14 at 9.47.14 AM</image:title></image:image><lastmod>2024-11-14T06:30:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2024/11/08/full-send-what-the-us-election-means-for-risk-assets/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2024/11/santa-hat-1.webp</image:loc><image:title>Santa 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1900</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2019/03/earmuffs-2755553_640.jpg</image:loc><image:title>earmuffs-2755553_640</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2019/03/psychology-of-market-cycles.jpg</image:loc><image:title>Psychology-of-Market-Cycles</image:title></image:image><lastmod>2019-03-28T01:28:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2019/03/14/investment-fees-am-i-paying-too-much/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2019/03/flying-2891745_640.jpg</image:loc><image:title>flying-2891745_640</image:title></image:image><lastmod>2019-03-14T08:12:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/06/12/active-vs-passive-investment/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/06/mw-el069_buffet_20160425110104_mg.jpg</image:loc><image:title>MW-EL069_buffet_20160425110104_mg</image:title></image:image><lastmod>2019-03-13T08:10:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2019/02/19/japan-inflation-watch/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2019/02/yen-1995422_640.jpg</image:loc><image:title>yen-1995422_640</image:title></image:image><lastmod>2019-02-19T04:09:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/11/29/diversifying-through-crypto-how-digital-assets-could-change-your-retirement-plan/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/11/puzzle-1713181_640.jpg</image:loc><image:title>puzzle-1713181_640</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/11/grayscale_fig13.jpg</image:loc><image:title>grayscale_fig13</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/11/grayscale_fig12.jpg</image:loc><image:title>grayscale_fig12</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/11/grayscale_fig8.jpg</image:loc><image:title>grayscale_fig8</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/11/efficient-frontier.png</image:loc><image:title>Efficient frontier</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/11/figure-5.jpg</image:loc><image:title>Figure 5</image:title></image:image><lastmod>2018-11-28T22:17:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/11/19/bitcoin-price-prediction/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/11/top-11-bitcoin-prediction.jpg</image:loc><image:title>Top 11 Bitcoin Prediction</image:title></image:image><lastmod>2018-11-20T07:18:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/10/11/dont-panic/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/10/stocks-sink.png</image:loc><image:title>Stocks Sink</image:title></image:image><lastmod>2018-11-20T00:54:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/05/21/saving-for-retirement-in-your-30s/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/05/computer-1295358_640.png</image:loc><image:title>computer-1295358_640</image:title></image:image><lastmod>2018-09-05T01:44:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/09/05/whats-the-plan/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/09/laptop-2557615_640.jpg</image:loc><image:title>laptop-2557615_640</image:title></image:image><lastmod>2018-09-05T01:40:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/01/29/cryptocurrency-hacks-how-to-protect-yourself-when-trading-and-investing/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/01/hacking-3112539_640.png</image:loc><image:title>hacking-3112539_640</image:title></image:image><lastmod>2018-08-01T02:17:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/07/03/financial-planning-for-babies/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/07/family-2057301_640.jpg</image:loc><image:title>family-2057301_640</image:title></image:image><lastmod>2019-07-16T02:15:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/04/30/goal-setting-part-4-financial-independence/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/04/woman-591576_640.jpg</image:loc><image:title>woman-591576_640</image:title></image:image><lastmod>2018-07-03T11:57:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/04/13/goal-setting-part-3-financial-vitality/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/04/inspiration-1514296_640.jpg</image:loc><image:title>inspiration-1514296_640</image:title></image:image><lastmod>2018-04-13T01:45:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/04/03/goal-setting-part-2-financial-security/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/04/cash-1169650_640.jpg</image:loc><image:title>cash-1169650_640</image:title></image:image><lastmod>2018-04-02T23:59:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/11/27/death-and-taxes-in-japan/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/11/sakura-1911208_640.jpg</image:loc><image:title>sakura-1911208_640</image:title></image:image><lastmod>2018-04-02T23:10:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/03/26/goal-setting-financial-protection/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/03/umbrella-2904775_640.jpg</image:loc><image:title>umbrella-2904775_640</image:title></image:image><lastmod>2018-04-02T08:33:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2018/03/08/cryptocurrency-trading-basics/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2018/03/bitcoin-3089728_640.jpg</image:loc><image:title>bitcoin-3089728_640</image:title></image:image><lastmod>2018-03-08T02:23:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/08/07/nisa-the-japan-individual-savings-account/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/08/icon-1691359_640.png</image:loc><image:title>icon-1691359_640</image:title></image:image><lastmod>2020-08-31T02:11:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/05/22/a-simple-formula/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/05/dollar-exchange-rate-544949_640.jpg</image:loc><image:title>dollar-exchange-rate-544949_640</image:title></image:image><lastmod>2018-02-14T10:30:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/05/24/my-financial-profile-income-and-expenditure/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/05/office-620822_640.jpg</image:loc><image:title>office-620822_640</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/05/accountant-1238598_640.jpg</image:loc><image:title>accountant-1238598_640</image:title></image:image><lastmod>2018-02-14T10:29:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/05/26/my-financial-profile-balance-sheet/</loc><lastmod>2018-02-14T10:29:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/05/31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PM</image:title></image:image><lastmod>2018-02-14T10:02:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/06/14/how-do-you-feel-about-risk/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/06/risk-1945683_640.jpg</image:loc><image:title>risk-1945683_640</image:title></image:image><lastmod>2018-02-14T10:01:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/06/16/regular-vs-lump-sum-investing/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/06/achievement-18134_640.jpg</image:loc><image:title>achievement-18134_640</image:title></image:image><lastmod>2018-02-14T10:01:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/03/bitcoin-a-worthy-investment/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/bitcoin-2007769_640.jpg</image:loc><image:title>bitcoin-2007769_640</image:title></image:image><lastmod>2018-02-14T10:00:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/05/how-to-buy-and-store-bitcoin/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/bitcoin-1995332_640.jpg</image:loc><image:title>bitcoin-1995332_640</image:title></image:image><lastmod>2018-02-14T09:59:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/07/the-expat-opportunity/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/tokyo-1842759_640.jpg</image:loc><image:title>tokyo-1842759_640</image:title></image:image><lastmod>2018-02-14T09:58:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/10/the-long-term-expat/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/background-1511499_640.jpg</image:loc><image:title>background-1511499_640</image:title></image:image><lastmod>2018-02-14T09:57:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/12/the-lifelong-expat/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/japan-1841199_640.jpg</image:loc><image:title>japan-1841199_640</image:title></image:image><lastmod>2018-02-14T09:57:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/18/inflation-the-evil-twin/</loc><lastmod>2018-02-14T09:56:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/20/golf-in-japan/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/tbags.jpg</image:loc><image:title>TBags</image:title></image:image><lastmod>2018-02-14T09:56:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://smartmoneyasia.com/2017/07/24/20-years-in-japan/</loc><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/fireworks-180553_640.jpg</image:loc><image:title>fireworks-180553_640</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/nikkei-225-20-yrs.png</image:loc><image:title>Nikkei 225 20 yrs</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/usdjpy-20-yrs.png</image:loc><image:title>USD:JPY 20 yrs</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/jgb-20-yrs.png</image:loc><image:title>JGB 20 yrs</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/japan-interest-rate-20-yrs.png</image:loc><image:title>Japan interest rate 20 yrs</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/japan-inflation-20-yrs.png</image:loc><image:title>Japan inflation 20 yrs</image:title></image:image><image:image><image:loc>https://smartmoneyasia.com/wp-content/uploads/2017/07/boj-bal-sheet-20-yrs.png</image:loc><image:title>BOJ Bal Sheet 20 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