<?xml version="1.0" encoding="UTF-8"?>
<!-- Domain placeholder — replace https://www.seefund.app with the live origin before deploy.
     Public paths use user-facing names: /guides/ · /calculators/ · /terms.html · /privacy.html
     (never an internal /seo/ prefix — that reads as "a page built for search engines"). -->
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url><loc>https://www.seefund.app/</loc><changefreq>weekly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/</loc><changefreq>monthly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/expense-ratio.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/maximum-drawdown.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/total-vs-annualized-return.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/sharpe-ratio.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/index-vs-active.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/dividends-reinvested.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/how-to-read-a-backtest.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/etf-vs-mutual-fund.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/yield-vs-total-return.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/rebalancing.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/guides/comparing-two-funds.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/terms.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/privacy.html</loc><lastmod>2026-09-06</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/calculators/</loc><lastmod>2026-09-08</lastmod><changefreq>monthly</changefreq></url>
  <url><loc>https://www.seefund.app/calculators/fee-impact-calculator.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/calculators/drawdown-recovery-calculator.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/calculators/lump-sum-vs-dca-calculator.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <url><loc>https://www.seefund.app/calculators/annualized-vs-cumulative-calculator.html</loc><lastmod>2026-09-08</lastmod><changefreq>yearly</changefreq></url>
  <!-- Fund & compare pages (/fund/{ticker}.html, /compare/...) will be appended when the paid data tier stabilises. -->
</urlset>
