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    <loc>https://www.stillpointinvesting.com/perspectives</loc>
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    <lastmod>2025-02-06</lastmod>
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      <image:title>Perspectives</image:title>
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  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2025/2/6/all-that-glitter</loc>
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    <lastmod>2025-02-06</lastmod>
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      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/82409716-c93b-4a25-8654-1109539c581c/Screenshot+2025-02-06+151459.png</image:loc>
      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/4688baf0-a10f-4e7a-8dd1-8fcaf11d8c78/Screenshot+2025-02-06+151740.png</image:loc>
      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Note: see the disclaimer at the end of this blogpost for information about the limits of backtesting.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/411bb60f-d900-4d22-91e2-16ad6778c028/Screenshot+2025-02-06+152816.png</image:loc>
      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/fc24208a-8e5f-45a3-bc63-c329a74fa69e/Screenshot+2025-02-06+154207.png</image:loc>
      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/dcd91efc-6427-4aab-842d-d6f046c89ca4/Screenshot+2025-02-06+155700.png</image:loc>
      <image:title>Perspectives - All That Glitter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2025/1/5/a-breakthrough-year-our-digital-asset-model-in-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-01-06</lastmod>
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      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/a0b0bd53-4569-459e-9fec-10883679cd28/Screenshot+2025-01-05+160539.png</image:loc>
      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/3a77bdf4-1ff8-4ea0-a412-2fc54e5181f0/Screenshot+2025-01-05+162544.png</image:loc>
      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/e4a6fbb8-b7aa-48a7-9f33-f1ded63bf23a/Screenshot+2025-01-05+163741.png</image:loc>
      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/434a71db-851b-4b85-8848-bd396c3705ef/Screenshot+2025-01-05+164018.png</image:loc>
      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/bbb2c737-0ce2-4c3b-bd94-f4d84c9288fb/Screenshot+2025-01-05+182859.png</image:loc>
      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/e4300706-19a7-46b7-8821-10014ac63db8/Screenshot+2025-01-05+184433.png</image:loc>
      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/f37306dd-bcf0-48fc-8d19-4120b0e8c701/Screenshot+2025-01-05+182734.png</image:loc>
      <image:title>Perspectives - A Breakthrough Year: Our Alternative Asset Models in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2024/11/11/the-2024-post-election-landscape</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-11-11</lastmod>
    <image:image>
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      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/54404bd3-fd21-44f9-aee0-5ce03999ec4d/image+%281%29.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/2e805f49-5af3-4023-88ba-04334969c840/image+%282%29.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/6644e07b-c43b-45af-824e-112d0567edb6/image+%283%29.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>(Full disclosure: I have a position in GOOGL.)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/6b7a05cc-10b2-4990-80ae-41a903832b7e/%7B5A0B4E9E-B996-4FEF-B387-3EBD03CB0C1B%7D.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/eb7a47d9-956d-415f-a9c0-7048951e647c/image+%284%29.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/42c39f2b-2cf2-4bf7-84b2-1946f470ff9a/image+%285%29.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/5976fba4-4437-48c6-91e9-8707a1ae05c2/image+%286%29.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/b0217170-300a-4aa3-9842-0df10e0c3828/image+%287%29.png</image:loc>
      <image:title>Perspectives - The 2024 Post-Election Landscape - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2024/3/24/emotions-are-information</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-26</lastmod>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2023/1/1/2022-an-outlier-of-a-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/8556531d-4983-4f22-90b9-1ae093eef948/IMG-4494.JPG</image:loc>
      <image:title>Perspectives - 2022: An Outlier of a Year - Make it stand out</image:title>
      <image:caption>Captain Jack Richardson, Vietnam, 1967</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/5400649f-62be-4a74-a220-309178e2fe39/IMG-2122.JPG</image:loc>
      <image:title>Perspectives - 2022: An Outlier of a Year - Make it stand out</image:title>
      <image:caption>Marilyn, Jack, and Matthew Richardson, 1970</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2022/9/25/a-key-treatment-for-the-bear-market-blues-momentum</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/3e2f2a00-2560-454a-b653-1c3572938ec3/Screenshot+2022-09-25+191828.png</image:loc>
      <image:title>Perspectives - A Key Treatment for the Bear Market Blues -- Momentum - Make it stand out</image:title>
      <image:caption>Total return performance data on a buy-and-hold portfolio consisting of 60% stocks and 40% bonds for 2022 YTD as of September 25, 2022. Past performance is no guarantee of future results.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/bda27591-c0ae-4397-ad2a-5ba9a9128f7c/Screenshot+2022-09-25+gold+real+estate+commodities.png</image:loc>
      <image:title>Perspectives - A Key Treatment for the Bear Market Blues -- Momentum - Make it stand out</image:title>
      <image:caption>Total return performance data of selected ETFs for gold, real estate, and commodities for 2022 YTD as of September 25, 2022. Past performance is no guarantee of future results.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2022/5/26/how-to-survive-when-the-sampp500-loses-seven-weeks-in-a-row</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2022/2/27/stocks-and-geopolitical-events</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-02-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/365d7713-5093-47a9-848f-ec0cd7fb91fd/Tom+McClellan.png</image:loc>
      <image:title>Perspectives - Stocks and Geopolitical Events - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/9695f688-e860-4843-a2c3-67ee81cf2fd1/Geopolitics-1.png</image:loc>
      <image:title>Perspectives - Stocks and Geopolitical Events - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2021/9/19/the-perils-of-stock-picking</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-09-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1632067959906-VSXJTYWIBRT72CDGAGW2/Perils+of+Stock+Picking.PNG</image:loc>
      <image:title>Perspectives - Some Perils of Stock Picking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2021/4/25/its-a-bull-market-you-know</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-04-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1619394701660-F3IKB0189NF55BTQQXH6/Screenshot+2021-04-25+193011.png</image:loc>
      <image:title>Perspectives - "It's a bull market, you know."</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1619394676887-KDHIS08BT9YJDLIZLQ8E/Detrick+Chart.png</image:loc>
      <image:title>Perspectives - "It's a bull market, you know."</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2020/7/16/the-bull-market-in-stocks-and-gold</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1594922851251-QBDZFREVVB7IDLYH3W15/Gold+bull.jpg</image:loc>
      <image:title>Perspectives - The Bull Market in Stocks AND Gold</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1594922057798-H4KQ7LJCJ9L9NQ4QWRAE/Annotation+2020-07-16+110640.png</image:loc>
      <image:title>Perspectives - The Bull Market in Stocks AND Gold</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1594922135734-N6F7I4WEJBC58DEJ18TK/Annotation+2020-07-16+130838.png</image:loc>
      <image:title>Perspectives - The Bull Market in Stocks AND Gold</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1594922197989-FHV1XFJSURARPW0TU6VF/Annotation+2020-07-16+131912.png</image:loc>
      <image:title>Perspectives - The Bull Market in Stocks AND Gold</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2020/6/7/the-bull-returns</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1591556262878-LBS44EBEQBZM608S5Y3G/Annotation+2020-06-07+145711.png</image:loc>
      <image:title>Perspectives - The Bull Returns</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2020/4/11/updating-stillpoint-performance-through-march-2020</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-04-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1586622103683-BQIUVTAXVU1HWV1KBNZG/March+2020+Performance.png</image:loc>
      <image:title>Perspectives - Updating Stillpoint Performance through March 2020</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1586622259979-MMF36RXRGRJL78OJ5U7J/Six+month+performance+2019-2020+complete.png</image:loc>
      <image:title>Perspectives - Updating Stillpoint Performance through March 2020</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2020/3/21/when-a-bull-market-becomes-a-bear-market-how-momentum-can-protect-your-portfolio</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5aa97b123917eee0eafafb62/1584808447218-FJZVBIUGV7532WB4D27C/six+month+performance+2019-2020.png</image:loc>
      <image:title>Perspectives - When the Bear Arrives:  How Momentum Can Protect Your Portfolio</image:title>
      <image:caption>Data sources: ETFreplay.com and stockcharts.com. Data is total return data, incoporating dividends. Note that the foregoing returns do not represent returns in an actual portfolio where price points for buying and selling will create variations in returns. Additionally, the Stillpoint portfolio above was not utilized for all Stillpoint clients and primarily in retirement accounts. Past performance is no guarantee of future performance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2020/3/1/an-extreme-week</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2020-03-01</lastmod>
    <image:image>
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    <lastmod>2020-02-23</lastmod>
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    <lastmod>2019-09-28</lastmod>
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    <lastmod>2019-02-03</lastmod>
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      <image:caption>Chart graphics courtesy of ETFreplay.com. Results are hypothetical, are NOT an indicator of future results, and do NOT represent returns that any investor actually attained. Results are unmanaged and do not reflect management or trading fees.</image:caption>
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      <image:title>Perspectives - Diversifying Passive Investing with Momentum</image:title>
      <image:caption>Chart graphics courtesy of ETFreplay.com. Results are hypothetical, are NOT an indicator of future results, and do NOT represent returns that any investor actually attained. Results are unmanaged and do not reflect management or trading fees.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.stillpointinvesting.com/perspectives/2018/7/1/quarter-2-2018-market-update</loc>
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    <lastmod>2019-01-16</lastmod>
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    <lastmod>2019-01-16</lastmod>
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