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    <loc>https://www.elixirprivatewealth.com.au/news/2026/03/17/statement-by-the-monetary-policy-board-monetary-policy-decision-17-march-2026</loc>
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      <image:title>News - Statement by the Monetary Policy Board: Monetary Policy Decision - At its meeting today, the Board decided to increase the cash rate target by 25 basis points to 4.10 per cent.</image:title>
      <image:caption>While inflation has fallen substantially since its peak in 2022, it picked up materially in the second half of 2025. Information since the February meeting suggests that some of the increase in inflation reflects greater capacity pressures. In addition, the conflict in the Middle East has resulted in sharply higher fuel prices, which, if sustained, will add to inflation. Short-term measures of inflation expectations have already risen. As a result, the Board judged that there is a material risk that inflation will remain above target for longer than previously anticipated.</image:caption>
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      <image:title>News - Understanding the Recent Changes to Aged Care in Australia - Australia’s aged care system has undergone significant reform in recent years following the findings of the Royal Commission into Aged Care Quality and Safety.</image:title>
      <image:caption>In June 2025, I wrote of how aged care services can support Australians who have come to a point in their lives when health conditions can undermine their ability to remain in their own home. Since then, the Australian Government has introduced a new legislative framework and redesigned several programs with the aim of improving quality, transparency and access to services for older Australians. Many of these changes came into effect from 1 November 2025, marking one of the most substantial updates to the aged care system in decades.</image:caption>
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    <loc>https://www.elixirprivatewealth.com.au/newsletters/mar2026</loc>
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    <lastmod>2026-05-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/69b3d3921f7c4140d4f8dd84/eb14162e-8b34-40e1-aba7-7536b5a07979/unsplash-image-XPT-OtA0E-8.jpg</image:loc>
      <image:title>Newsletters - Newsletter - March 2026 - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/69b3d3921f7c4140d4f8dd84/1776909276840-W0Q5SUM06SIQF9KPURYH/Economic+and+Market+Update+by+Aziz+Meherali</image:loc>
      <image:title>Newsletters - Newsletter - March 2026 - Economic and Market Update by Aziz Meherali</image:title>
      <image:caption>It has been a tumultuous start to March 2026 that none of us would have expected. On the surface, the world appears to be in turmoil ---war in Ukraine, War in Gaza, War in Pakistan and Afghanistan, and now war between the US/Israel and Iran! Market reaction on one side, the human tragedy this has ...</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/69b3d3921f7c4140d4f8dd84/1778537405985-K9N4IBY2575L9WV8ZSEY/unsplash-image-BxXgTQEw1M4.jpg</image:loc>
      <image:title>Newsletters - Newsletter - March 2026 - Understanding the Recent Changes to Aged Care in Australia</image:title>
      <image:caption>Australia’s aged care system has undergone significant reform in recent years following the findings of the Royal Commission into Aged Care Quality and Safety. In June 2025, I wrote of how aged care services can support Australians who have come to a point in their lives when health conditions can ...</image:caption>
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      <image:title>Newsletters - Newsletter - March 2026 - Impact of Rising Interest Rates – And How to Prepare</image:title>
      <image:caption>After hopes late in 2025 that inflation was easing, 2026 has opened with signs that price pressures remain. The RBA lifted the cash rate by 25 basis points to 3.85% in February, and major banks now expect another rise in May, with the possibility of further increases later in the year. Some ...</image:caption>
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      <image:title>Newsletters - Newsletter - March 2026 - The Art Of True Happiness: 5 Simple Ways To Live A Happy, Peaceful Life</image:title>
      <image:caption>Happiness isn't found in big wins. Yaacov Kravitz Is it possible to be happy and sad at the same time? Absolutely, once you understand that happiness isn't just a fleeting emotion, but something much deeper. Most of us chase momentary highs, thinking happiness means always feeling good. But ...</image:caption>
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    <loc>https://www.elixirprivatewealth.com.au/newsletters/dec2025</loc>
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    <lastmod>2026-05-11</lastmod>
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      <image:title>Newsletters - Newsletter - Dec 2025 - 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>
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      <image:title>Newsletters - Newsletter - Dec 2025 - 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>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/69b3d3921f7c4140d4f8dd84/1776909276840-W0Q5SUM06SIQF9KPURYH/Economic+and+Market+Update+by+Aziz+Meherali</image:loc>
      <image:title>Newsletters - Newsletter - Dec 2025 - Economic and Market Update by Aziz Meherali</image:title>
      <image:caption>“Once you understand why pizza is round, packed in a square box, and eaten as a triangle, you’ll know that not everything in life needs to make sense to be enjoyed.”  random Instagram page Despite the issues in the Middle East and the ongoing war in the Ukraine, markets have recovered from their ...</image:caption>
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      <image:title>Newsletters - Newsletter - Dec 2025 - Staying the Course: Why Remaining Invested During Market Volatility Matters</image:title>
      <image:caption>Periods of market volatility are an inevitable part of investing. Whether driven by economic data, geopolitical events, or shifts in investor sentiment, fluctuations in share markets can be unsettling—even for experienced investors. During these times, it is natural to question whether stepping out ...</image:caption>
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      <image:title>Newsletters - Newsletter - Dec 2025 - Summer Smart Home Improvements</image:title>
      <image:caption>Whether you’re preparing to sell or simply want to enjoy your home more, summer renovations are a smart investment in both lifestyle and long-term value. Summer is Ideal for Home Projects Summer is the prime time for DIY home improvements. Time off work, longer daylight hours and warmer ...</image:caption>
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      <image:title>Newsletters - Newsletter - Dec 2025 - Christmas Traditions from Around the World</image:title>
      <image:caption>Christmas is a worldwide holiday, yet it is celebrated differently from place to place—sometimes even on different days. In the United States… embraced traditions like Santa Claus, the tree...</image:caption>
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    <loc>https://www.elixirprivatewealth.com.au/newsletters/sept2025</loc>
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    <lastmod>2026-05-11</lastmod>
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      <image:title>Newsletters - Newsletter - Sept 2025 - 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>
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      <image:title>Newsletters - Newsletter - Sept 2025 - Economic and Market Update by Aziz Meherali</image:title>
      <image:caption>Markets have produced yet another year of stellar returns despite the uncertainties around tariff negotiations, Gaza, and the Ukraine. The trade uncertainties have somewhat subsided from the height of the concerns during the month of April when markets corrected substantially before posting a quick ...</image:caption>
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      <image:title>Newsletters - Newsletter - Sept 2025 - Estate Planning in Australia: Protecting Your Legacy and Supporting Your Family’s Future</image:title>
      <image:caption>Estate planning is an area of financial management that is often overlooked until it is urgently needed. Yet, it is one of the most important steps you can take to protect your family, ensure your wishes are honoured, and preserve your wealth for future generations. While many people associate ...</image:caption>
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      <image:title>Newsletters - Newsletter - Sept 2025 - Top tips for negotiating a property price</image:title>
      <image:caption>Here are our top tips to tactfully negotiate the price without ruining your chances of securing the property. Tip #1: Be Prepared Know your budget. Set a firm upper limit and stick to it. If finance is required, obtain pre-approval first. Sellers will take you more seriously if your ...</image:caption>
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      <image:title>Newsletters - Newsletter - Sept 2025 - Somatic exercises for mind and body</image:title>
      <image:caption>Somatic practices offer a future-focused approach to holistic wellness, providing gentle yet powerful benefits for overall health. Somatic exercises focus on the mind-body connection, offering a transformative approach to physical and mental wellbeing. Unlike traditional fitness routines that ...</image:caption>
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    <loc>https://www.elixirprivatewealth.com.au/newsletters/june2025</loc>
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    <lastmod>2026-05-11</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Newsletters - Newsletter - June 2025 - Economic and Market Update by Aziz Meherali</image:title>
      <image:caption>What a difference a month has made in equity markets and all on the back of further conjecture on where tariffs will land! Even more interesting was the fact that the US Court of International Trade, on the 29th of May 2025, had blocked Trump’s sweeping trade tariffs citing that a spiralling US ...</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/69b3d3921f7c4140d4f8dd84/1778496489970-OBXNJYJ5VDYBDP5X9Z6Z/Smart+strategies+to+clear+debt+before+retirement.</image:loc>
      <image:title>Newsletters - Newsletter - June 2025 - Smart strategies to clear debt before retirement.</image:title>
      <image:caption>Planning for retirement should be an exciting chapter, not one weighed down by lingering debt. Most people plan on having their home loan paid out before they retire, but for some, particularly those who may be older when they take out a loan, or who plan to retire early, may still have a debt ...</image:caption>
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      <image:title>Newsletters - Newsletter - June 2025 - Understanding Aged Care in Australia: When Support Becomes Essential</image:title>
      <image:caption>As Australians enjoy longer life expectancies and improved healthcare outcomes, aged care has become an increasingly important consideration for individuals and families alike. Whether for yourself, a partner, or a parent, navigating the aged care system can seem daunting without a clear ...</image:caption>
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      <image:title>Newsletters - Newsletter - June 2025 - Eating Tips To Battle Cold &amp; Flu This Winter</image:title>
      <image:caption>After a long summer it seems the Australian winter is finally upon us; the time of year when cold and flu symptoms are on the rise. It seems as though everyone around you will have advice for how to beat your cold or flu, from drinking honey, ginger and lemon teas, or jumping into a sauna to relieve ...</image:caption>
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    <loc>https://www.elixirprivatewealth.com.au/newsletters/march2025</loc>
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    <lastmod>2026-05-11</lastmod>
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      <image:title>Newsletters - Newsletter - March 2025 - 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>
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      <image:title>Newsletters - Newsletter - March 2025 - Economic and Market Update by Aziz Meherali</image:title>
      <image:caption>Start of 2025 has been very eventful with Trump grabbing headlines virtually everyday and driving market volatility up. The uncertainty caused by Trump’s rhetoric around tariffs…</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/69b3d3921f7c4140d4f8dd84/1776909728176-QFPED7FFRAHU91XFML1I/Investing+in+Your+Child%E2%80%99s+Future%3A+The+Role+of+Investment+Bonds+for+Education+Expenses</image:loc>
      <image:title>Newsletters - Newsletter - March 2025 - Investing in Your Child’s Future: The Role of Investment Bonds for Education Expenses</image:title>
      <image:caption>As the cost of education continues to rise, many families are exploring strategic ways to secure their children's future learning opportunities. One increasingly popular option in Australia is the use of investment bonds — a tax-effective, flexible financial tool.</image:caption>
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      <image:title>Newsletters - Newsletter - March 2025 - Maximising Your Rental Income: A Guide to Renting Out Your Property</image:title>
      <image:caption>Renting out a property can be a lucrative way to generate income and build wealth, but it requires careful planning and management to maximize its potential.</image:caption>
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      <image:title>Newsletters - Newsletter - March 2025 - Five minutes of exercise a day could lower blood pressure</image:title>
      <image:caption>Exercise can be as simple as stair-climbing and uphill walking. The research looked at data from more than 14,000 volunteers and shows the importance of activities that raise heart rate for blood pressure control.</image:caption>
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