<?xml version="1.0" encoding="UTF-8"?>
<urlset 
  xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 
                      http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd">

  <!-- Homepage -->
  <url>
    <loc>https://myportfoliooptimizer.com/</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>weekly</changefreq>
  </url>

  <!-- Landing page is served at / (homepage); avoid duplicate URLs -->

  <!-- Public pages -->
  <url>
    <loc>https://myportfoliooptimizer.com/how-it-works.html</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://myportfoliooptimizer.com/contact.html</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>weekly</changefreq>
  </url>

  <url>
    <loc>https://myportfoliooptimizer.com/privacy.html</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>weekly</changefreq>
  </url>

  <!-- Education index -->
  <url>
    <loc>https://myportfoliooptimizer.com/education/index.html</loc>
    <lastmod>2026-01-03</lastmod>
    <changefreq>weekly</changefreq>
  </url>

  <!-- Education articles -->
  <url>
  <loc>https://myportfoliooptimizer.com/education/financial-health-score.html</loc>
  <lastmod>2026-01-04</lastmod>
  <changefreq>weekly</changefreq>
  </url>
  <url><loc>https://myportfoliooptimizer.com/education/percentile-ranks.html</loc><lastmod>2026-01-04</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/valuation-and-cashflow.html</loc><lastmod>2026-01-04</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/modern-portfolio-theory.html</loc><lastmod>2026-01-04</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/quant-investing-basics.html</loc><lastmod>2026-01-04</lastmod><changefreq>weekly</changefreq></url>

  <url><loc>https://myportfoliooptimizer.com/education/what-is-portfolio-risk.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-return.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-volatility.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-diversification.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-sharpe-ratio.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-beta.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-efficient-frontier.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-rebalancing.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-asset-allocation.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/education/what-is-risk-adjusted-return.html</loc><lastmod>2026-01-26</lastmod><changefreq>weekly</changefreq></url>

  <url>
    <loc>https://myportfoliooptimizer.com/education/protect-money-from-inflation.html</loc>
    <lastmod>2026-02-08</lastmod>
    <changefreq>weekly</changefreq>
  </url>

  <!-- Models -->
  <url><loc>https://myportfoliooptimizer.com/models/mpt.html</loc><lastmod>2026-01-04</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/models/resampling.html</loc><lastmod>2026-01-04</lastmod><changefreq>weekly</changefreq></url>
  <url><loc>https://myportfoliooptimizer.com/models/black-litterman.html</loc><lastmod>2026-01-04</lastmod><changefreq>weekly</changefreq></url>

</urlset>