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    <loc>https://derivewealthadvisors.com/blog</loc>
    <changefreq>daily</changefreq>
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    <lastmod>2026-01-02</lastmod>
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  <url>
    <loc>https://derivewealthadvisors.com/blog/december-2024-investment-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2026-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/eb43f5ca-9043-49b2-bcf6-f3ae52b91db3/Figure+1.PNG</image:loc>
      <image:title>Blog - January 2025: Investment Insights - Recapping the 2024 Stock Market Rally</image:title>
      <image:caption>The largest companies contributed a significant portion of the S&amp;P 500 returns in 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/eb70a30b-6b1c-443c-985a-a750bafde1ba/Figure+2.PNG</image:loc>
      <image:title>Blog - January 2025: Investment Insights - Driver's of U.S. Economic Growth</image:title>
      <image:caption>The US economy has consistently defied expectations of a slowndown due to higher interest rates .</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/2b6f5ce9-bd19-4c86-aa30-2629fde902dd/Figure+3.PNG</image:loc>
      <image:title>Blog - January 2025: Investment Insights - 10-Year Treasury Yield vs. Federal Funds Rate</image:title>
      <image:caption>While the Fed controls the short term interest rates, the market has more control over longer maturity rates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/0cd6ce5a-b9af-4a5b-9f62-e14a1a8f94e3/Figure+4.PNG</image:loc>
      <image:title>Blog - January 2025: Investment Insights - S&amp;P 500 Returns During Bull Markets</image:title>
      <image:caption>Year 3 of a bull market historically focuses on fundamentals and earnings, often moderating returns.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://derivewealthadvisors.com/blog/october-2024-investment-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/b00caf0e-bfec-4dfc-998b-7f1a2ab09d4d/Figure+a1.PNG</image:loc>
      <image:title>Blog - October 2024: Investment Insights - Market Expects Rate Cuts</image:title>
      <image:caption>Investors are betting rates will be cut by 0.50% this year and another 1.50% by the end of 2025.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/83b5b1cc-8cbc-4e93-94af-5524e5ba4081/Figure+2.PNG</image:loc>
      <image:title>Blog - October 2024: Investment Insights - Key Indicators Impacted By Rate Hikes</image:title>
      <image:caption>Higher interest rates appear to be weighing on manufacturing, housing, and loan growth. However, the main engine of the economy, the consumer, continues to spend.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/e524dd73-cc6d-43cb-ab71-a2aa44b44058/Figure+3.PNG</image:loc>
      <image:title>Blog - October 2024: Investment Insights - Credit Spreads Vs. Historical Average</image:title>
      <image:caption>Tight credit spreads signal economic stability, strong market liquidity, and perceived low default risk.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/511a72bb-bc03-40a5-bbdf-4f5dc309a35e/Figure+4.PNG</image:loc>
      <image:title>Blog - October 2024: Investment Insights - S&amp;P 500 Returns After Rate Cuts</image:title>
      <image:caption>It is too early to tell how the economy will respond to rate cuts.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://derivewealthadvisors.com/blog/april-2024-investment-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/1c88f47e-ab67-4691-b43f-08b467b5694f/Figure+1.PNG</image:loc>
      <image:title>Blog - April 2024: Investment Insights - S&amp;P 500 Sets Multiple New Highs</image:title>
      <image:caption>The previous high set in 2022 has been eclipsed mulitple times to start 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/e6cd3cdc-1ab2-4cf8-b6e1-7ef6ccf3bf1b/Figure+2.PNG</image:loc>
      <image:title>Blog - April 2024: Investment Insights - Rethinking Inflation</image:title>
      <image:caption>The pace of inflation’s decline has stalled recently.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/9b49e310-089c-4d6c-8a43-a316f3da92d3/Figure+3.PNG</image:loc>
      <image:title>Blog - April 2024: Investment Insights - Investors Forecasted Rate Cuts</image:title>
      <image:caption>Investors now only expect three rate cuts this year, in line with the Fed’s initial forecast.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/48ece810-3592-465b-b0b8-bbd371699c9d/Figure+4.PNG</image:loc>
      <image:title>Blog - April 2024: Investment Insights - Economy’s Resilience</image:title>
      <image:caption>The upward trajectory of housing construction, consumer sentiment, and oil prices have helped the economy weather higher rates.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://derivewealthadvisors.com/blog/january-2024-investment-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/cd585b24-e73f-4ee2-8134-7906cc272c15/Figure+1.PNG</image:loc>
      <image:title>Blog - January 2024: Investment Insights - Q3 vs. Q4 Treasury Yields</image:title>
      <image:caption>The abrupt reversal in rates demonstrate the markets view of lower rates in 2024.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/e384a530-4c06-425d-a517-785e631a5790/Figure+2.PNG</image:loc>
      <image:title>Blog - January 2024: Investment Insights - Falling Inflation</image:title>
      <image:caption>Investor optimism is on the rise as pricing pressures ease.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/b46a5bbb-9a5c-4211-9fad-facc2efc1e18/Figure+3.PNG</image:loc>
      <image:title>Blog - January 2024: Investment Insights - US Economy’s Resilience</image:title>
      <image:caption>GDP Growth, Home Prices, and the Unemployment Rate have not been negatively affected by higher rates.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/57bb4814-ac76-47af-8cb5-e79ac0a72557/Figure+4.PNG</image:loc>
      <image:title>Blog - January 2024: Investment Insights - Stock Markets At All Time Highs</image:title>
      <image:caption>Stocks defied higher rates, geopolitical tensions, and US bank failures to record solid gains.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://derivewealthadvisors.com/blog/october-2023-investment-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/90b41e52-f00a-4f5e-9d71-03a018112bf5/Figure+1.png</image:loc>
      <image:title>Blog - October 2023: Investment Insights - Persistent Inflation</image:title>
      <image:caption>The recent rise in oil prices has put renewed pressure on inflation figures.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/2466879e-ed5a-4af7-ba93-1e321e7a7478/Figure+2.png</image:loc>
      <image:title>Blog - October 2023: Investment Insights - Long Term Rates Rising</image:title>
      <image:caption>Long term rates have increased significantly reflecting the market’s expectation of higher rates and fewer near term rate cuts.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/0be8fb6c-0655-4902-8688-b6747fbebb6f/Figure+3.png</image:loc>
      <image:title>Blog - October 2023: Investment Insights - Loans Are More Expensive</image:title>
      <image:caption>Borrowers are facing higher interest rates to finance their purchases.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/3c5a207f-3cd9-42c3-94c7-c405c83ddc9a/Figure+4.png</image:loc>
      <image:title>Blog - October 2023: Investment Insights - Rising Rates, Lower Prices</image:title>
      <image:caption>As interest rates rise, bond prices decline. The recent sequence of negative returns has not occurred since the 1970’s.</image:caption>
    </image:image>
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  <url>
    <loc>https://derivewealthadvisors.com/blog/mid-year-2023-investment-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/b4efff0e-d919-4ff5-b692-dc3ebf1f4581/Mid-Year+2023+-+Leading+Indicators.PNG</image:loc>
      <image:title>Blog - Mid-Year 2023: Investment Insights - Turning Point?</image:title>
      <image:caption>Leading indicators traditionally have precede changes in the overall economy.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/68cd8b4e-75e5-43af-a727-f41fc5857d2e/Mid-Year+2023+-+Earnings.PNG</image:loc>
      <image:title>Blog - Mid-Year 2023: Investment Insights - Past Performance or Future Growth?</image:title>
      <image:caption>Earnings have been strong this year. Can the growth be maintained?</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/3240a284-2166-4037-afb1-e86c5c5dbb56/Mid-Year+2023+-+Equal+Weight.PNG</image:loc>
      <image:title>Blog - Mid-Year 2023: Investment Insights - Everyone Treated The Same</image:title>
      <image:caption>If you treat every company in the S&amp;P 500 equally, the return is significantly lower than a market cap weighted index.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/ae022be3-a151-4b20-861f-33afb112d703/Mid-Year+2023+-+Bonds.PNG</image:loc>
      <image:title>Blog - Mid-Year 2023: Investment Insights - Searching for Higher Interest</image:title>
      <image:caption>Junk bonds have outpeformed more conservative investment grade bonds even as banktruptcy filings are increasing. Is the risk worth it?</image:caption>
    </image:image>
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  <url>
    <loc>https://derivewealthadvisors.com/blog/march-2023-investment-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-07-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/9ab2d899-23a6-46f6-903e-f2c7384451e4/Q1+2023+-+Positive+Signs.PNG</image:loc>
      <image:title>Blog - April 2023: Investment Insights - Positive Signs</image:title>
      <image:caption>The economy is withstanding higher interest rates so far. Part of the reason may be the high level of employment and company sales going strong.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/e22497b9-9b18-465a-b75e-558dc1e330d1/Q2+2023+-+Banks.PNG</image:loc>
      <image:title>Blog - April 2023: Investment Insights - Overwhelmed By Withdrawals</image:title>
      <image:caption>Banks were flush with cash from new deposits during the pandemic. When a flood of withdrawal requests came in, some banks had already tied up most of their deposits in long term bonds.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/631abedd94ceec4c3efe0775/4f4df0ba-8e5e-484b-a77e-e3ef29826e8f/Q1+2023+-+Treasury+Yields.PNG</image:loc>
      <image:title>Blog - April 2023: Investment Insights - Heartbeat of Interest Rate Yields</image:title>
      <image:caption>The taller the bar, the bigger the move in yields. Volatility has picked up with the swiftness of news headlines.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Blog - April 2023: Investment Insights - Yesterdays Losers Are Todays Winners</image:title>
      <image:caption>The worse performers of 2022 are now the best performers of 2023.</image:caption>
    </image:image>
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    <loc>https://derivewealthadvisors.com/blog/fiduciary-financial-advisor</loc>
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    <lastmod>2023-07-03</lastmod>
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    <loc>https://derivewealthadvisors.com/blog/how-to-hire-financial-advisor</loc>
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    <lastmod>2023-07-03</lastmod>
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    <loc>https://derivewealthadvisors.com/blog/the-5-aces-investment-strategy</loc>
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    <lastmod>2023-07-03</lastmod>
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    <loc>https://derivewealthadvisors.com/blog/5-lessons-working-millionaire-next-door</loc>
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    <lastmod>2023-07-03</lastmod>
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    <loc>https://derivewealthadvisors.com/blog/category/Investing</loc>
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    <loc>https://derivewealthadvisors.com/blog/category/Quarterly+Review</loc>
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    <loc>https://derivewealthadvisors.com/blog/category/Financial+Planning</loc>
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    <loc>https://derivewealthadvisors.com/blog/category/Financial+Advisor</loc>
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    <loc>https://derivewealthadvisors.com/your-team</loc>
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    <lastmod>2024-10-24</lastmod>
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    <lastmod>2023-11-16</lastmod>
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    <loc>https://derivewealthadvisors.com/dimensional-fund-advisors</loc>
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