<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/jisa-investments-scotland-soaring-families-prioritise-saving-for-kids</loc>
<lastmod>2024-04-23T10:08:17.551+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scottish-friendly-appoints-john-mcguigan-as-a-non-executive-director</loc>
<lastmod>2024-04-17T14:50:02.496+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/recommend/recommend-a-friend-terms-and-conditions</loc>
<lastmod>2026-03-04T10:24:17.831+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/younger-investors-pull-back-stocks-and-shares-isas-older-savers-continue-increase-investments</loc>
<lastmod>2024-04-17T10:53:33.538+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/newsletter-subscription/thank-you</loc>
<lastmod>2024-04-23T10:13:20.217+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/FAQs</loc>
<lastmod>2026-03-16T08:57:53.463+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases</loc>
<lastmod>2025-06-10T11:15:28.647+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/scottish-friendly-announces-mcgee-new-ceo</loc>
<lastmod>2024-04-17T11:01:27.215+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/contact-us/contact-form-confirmation</loc>
<lastmod>2024-04-24T14:26:42.884+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Interest-rate-quote-Kevin-Brown</loc>
<lastmod>2025-01-15T09:22:48.719+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/our-with-profits-asset-mix-fund-information</loc>
<lastmod>2026-02-27T14:00:32.399+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-comments-on-latest-inflation-data</loc>
<lastmod>2026-03-25T13:49:24.083+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/inflation-increases-more-expected-reach-111-october</loc>
<lastmod>2024-04-17T14:04:28.983+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases</loc>
<lastmod>2025-06-10T11:15:12.264+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/could-get-more-with-stocks-and-shares</loc>
<lastmod>2024-04-17T11:03:09.258+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/recommend</loc>
<lastmod>2026-03-04T10:22:59.807+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scottish-friendly-colleagues-braved-the-elements-during-the-boycott-your-bed-challenge</loc>
<lastmod>2024-04-25T12:00:37.866+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/scottish-investors-flooding-stocks-and-shares-isas-sales-outpace-rest-uk</loc>
<lastmod>2024-04-17T10:53:33.622+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/outlook-for-inflation-still-murky</loc>
<lastmod>2024-12-18T09:39:32.140+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-has-commented-on-this-mornings-labour-market-overview-from-the-ONS</loc>
<lastmod>2025-12-16T11:14:53.835+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-comments-on-this-mornings-Scottish-GDP-figure</loc>
<lastmod>2026-03-25T13:41:30.414+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/junior-isa-investments-reach-three-year-high-households-prioritise-saving-their-kids</loc>
<lastmod>2024-04-17T14:05:25.871+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/scottish-friendly-announces-support-mental-health-foundation-charity-give-back-christmas</loc>
<lastmod>2024-04-17T10:53:33.558+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/kevin-brown-savings-specialist-comments-governments-decision-remove-universal-credit-uplift</loc>
<lastmod>2024-04-17T11:04:57.835+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases</loc>
<lastmod>2025-06-10T11:15:02.075+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/managing-your-investment/my-benefits</loc>
<lastmod>2025-02-26T16:21:42.683+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scots-ramp-up-investment-levels-despite-opening-fewer-isa-policies</loc>
<lastmod>2024-04-17T14:50:02.544+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Inflation-warning-signals-flashing</loc>
<lastmod>2024-11-20T12:08:46.015+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/CEO-Stephen-McGee-responds-to-the-Autumn-Budget</loc>
<lastmod>2025-11-27T09:49:09.655+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-comments-on-decision-to-hold-base-rate</loc>
<lastmod>2026-03-19T10:49:00.073+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases</loc>
<lastmod>2025-06-10T11:14:46.452+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/household-savings-fall-74-year-year-real-returns-plummet-their-lowest-level-1976</loc>
<lastmod>2024-04-22T16:59:24.185+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/scottish-friendly-appoints-susan-beckett-non-executive-director</loc>
<lastmod>2024-04-17T10:53:33.618+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/parents-devoted-junior-cash-isas-have-missed-out-135bn-potential-returns-over-past-decade</loc>
<lastmod>2024-04-17T11:06:20.840+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/parents-raid-children-s-savings-to-help-cover-the-cost-of-rising-household-bills</loc>
<lastmod>2024-04-17T14:50:02.668+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Having-young-kids-supercharges-savings-habit</loc>
<lastmod>2024-11-18T11:27:42.668+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scottish-GDP-figure-paints-mixed-picture-for-the-Scottish-economy</loc>
<lastmod>2025-11-26T11:00:48.058+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Scottish-Friendly-launches-first-ever-targeted-TV-advertising-campaign-Together-We-Grow</loc>
<lastmod>2026-03-16T10:11:21.046+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/scottish-friendly-promotes-alan-rankine-chief-financial-officer</loc>
<lastmod>2024-04-17T14:17:29.729+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scottish-friendly-colleagues-undertake-the-national-three-peaks-challenge</loc>
<lastmod>2024-04-17T14:56:29.374+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investing-for-me</loc>
<lastmod>2026-03-16T11:07:11.811+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/scottish-friendly-appoints-interim-finance-director</loc>
<lastmod>2024-04-17T11:07:12.628+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/savers-rush-invest-stocks-and-shares-isas-sales-bounce-back-strongly-after-subdued-first-quarter</loc>
<lastmod>2024-04-17T10:53:33.607+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases</loc>
<lastmod>2025-06-10T11:14:11.045+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/comment-on-latest-GDP-stats</loc>
<lastmod>2024-11-15T10:01:40.530+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/CEO-Stephen-McGee-comments-ahead-of-Autumn-Statement</loc>
<lastmod>2025-11-26T11:21:53.248+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-Savings-Specialist-comments-on-todays-UK-GDP-figure</loc>
<lastmod>2026-03-13T10:21:45.178+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/female-isa-subscriptions-continue-to-fall-younger-women-opening-stocks-and-shares-isas-jumps</loc>
<lastmod>2024-04-17T10:57:02.595+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/interest-rates-rise-again</loc>
<lastmod>2024-04-17T14:18:33.056+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/home</loc>
<lastmod>2026-03-24T12:40:55.736+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investing-for-my-child</loc>
<lastmod>2025-12-09T13:52:44.891+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/environmental-focus-next-scottish-friendly-childrens-book-tour</loc>
<lastmod>2024-04-17T11:08:03.901+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/new-isa-sales-and-value-new-isa-policies-dip-q1-2023</loc>
<lastmod>2024-04-17T15:00:29.542+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/sizeable-shift-in-scots-attitude-to-saving</loc>
<lastmod>2024-11-11T10:52:38.713+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases</loc>
<lastmod>2025-12-17T09:24:11.752+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-has-commented-on-this-mornings-inflation-figures</loc>
<lastmod>2025-11-19T13:54:07.513+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-savings-specialist-comments-on-todays-Scottish-GDP-announcement</loc>
<lastmod>2026-02-25T11:53:27.881+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/kevin-brown-savings-specialist-comment-latest-boe-interest-rate-announcement</loc>
<lastmod>2024-04-17T11:09:03.099+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/inflation-falls-uncertainty-will-persist-households</loc>
<lastmod>2024-04-17T14:19:12.650+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scottish-friendly-posts-record-sales-of-ps47-7m-in-2022</loc>
<lastmod>2024-04-17T14:50:02.549+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/grandparents-cash-jisas-missing-out-savings-boost</loc>
<lastmod>2024-04-25T10:42:47.915+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/contributing-for-a-child</loc>
<lastmod>2025-12-09T13:56:27.676+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us</loc>
<lastmod>2026-01-29T09:05:09.428+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Renewed-inflation-spectre-haunts-MPC-despite-rate-cut</loc>
<lastmod>2024-11-08T11:23:04.375+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scottish-Friendly-CEO-backs-cut-of-cash-ISA-allowance</loc>
<lastmod>2026-01-07T10:19:51.690+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases</loc>
<lastmod>2026-03-25T13:51:00.906+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/scottish-friendly-appoints-mark-laidlaw-and-stephen-mcgee-non-executive-directors</loc>
<lastmod>2024-04-17T11:17:39.084+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/scottish-friendly-hires-new-head-of-hr</loc>
<lastmod>2024-04-17T10:53:33.588+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/contributing-for-a-child/isas-and-investments-for-grandparents</loc>
<lastmod>2025-12-09T12:47:13.660+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/inflation-threatens-more-one-five-over-50s-life-insurance-policies</loc>
<lastmod>2024-04-17T14:59:11.855+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/industry-commentary-september-2022</loc>
<lastmod>2024-04-17T14:19:46.168+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Kevin-Brown-comment-on-announcement-government-increase-Capital-Gains-Tax</loc>
<lastmod>2024-10-30T14:05:34.095+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/UK-economy-continues-to-show-resilience</loc>
<lastmod>2025-11-13T09:49:21.224+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-comments-on-this-mornings-inflation-data-from-the-ONS</loc>
<lastmod>2026-02-18T09:07:44.947+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/scottish-friendly-hails-investing-boom-among-those-their-20s-and-30s</loc>
<lastmod>2024-04-17T10:53:33.506+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scottish-friendly-news/introducing-scottish-friendly-three-peaks-24-hour-challenge</loc>
<lastmod>2024-04-17T14:59:53.594+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/real-returns-savings-their-lowest-1970s-inflation-surpasses-10-percent</loc>
<lastmod>2024-04-17T14:20:25.685+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information</loc>
<lastmod>2025-11-19T11:38:33.504+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Jill-Mackay-comments-GfK-Consumer-survey-results</loc>
<lastmod>2024-10-25T11:40:13.368+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Opening-stocks-and-shares-ISA-contributions-soar-in-Q3</loc>
<lastmod>2025-11-12T14:02:19.601+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-savings-expert-comments-on-labour-market-overview-from-ONS</loc>
<lastmod>2026-02-17T09:13:27.317+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/michael-walker-stands-down-chairman-scottish-friendly-after-more-decade</loc>
<lastmod>2024-04-17T10:53:33.522+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/kevin-brown-savings-specialist-comments-inflation-hitting-its-highest-level-2012</loc>
<lastmod>2024-04-23T15:22:12.704+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/fund-prices</loc>
<lastmod>2026-04-02T16:04:37.181+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scottish-friendly-announce-partnership-with-the-unisure-group</loc>
<lastmod>2024-04-17T14:50:02.658+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/interest-rate-hike-ratchets-pressure-households-who-could-be-forking-out-hundreds-pounds-more-october</loc>
<lastmod>2024-04-17T14:21:22.867+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/guide-to-isas</loc>
<lastmod>2024-04-18T16:10:01.548+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Self-employed-twice-as-likely-to-shoulder-cost-of-rent-deposits-for-dependants-than-their-employed-counterparts</loc>
<lastmod>2024-10-25T13:18:14.854+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/pre-christmas-rate-cut-more-likely</loc>
<lastmod>2025-11-11T10:54:59.511+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-has-commented-on-todays-GDP-figures-from-the-ONS</loc>
<lastmod>2026-02-12T13:33:19.722+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/parents-saving-in-cash-need-an-extra-ps14-400-to-help-kids-onto-the-property-ladder</loc>
<lastmod>2024-04-17T15:02:28.761+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/happy-birthday-bank-england-328-years-bank-rate-numbers</loc>
<lastmod>2024-04-17T14:22:02.556+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/scottish-friendly-reports-record-sales-savings-and-investments</loc>
<lastmod>2024-04-17T10:53:33.611+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/kevin-brown-savings-specialist-scottish-friendly-comments-on-rising-pay-figures</loc>
<lastmod>2024-04-23T15:58:47.247+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/guide-to-savings-and-investing</loc>
<lastmod>2024-04-19T15:52:42.354+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/asset-mix</loc>
<lastmod>2026-04-02T21:33:43.537+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/kevin-brown-comments-lowest-inflation</loc>
<lastmod>2024-10-25T13:18:36.546+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Interest-rate-hold-may-bring-some-stability-for-borrowers-and-opportunities-for-savers</loc>
<lastmod>2025-11-06T13:15:17.312+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-comments-on-BoE-decision-to-hold-rate</loc>
<lastmod>2026-02-05T12:17:11.695+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub</loc>
<lastmod>2026-03-25T17:34:35.393+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/guide-to-mutuals</loc>
<lastmod>2024-04-25T13:17:32.992+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/industry-news/nearly-half-grandparents-investing-for-grandkids-increased-contributions-over-past-year-pandemic</loc>
<lastmod>2024-04-17T11:24:00.969+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/investment-levels-among-scottish-households-fall-their-lowest-rate-nearly-three-years-living-costs-soar</loc>
<lastmod>2024-04-17T14:24:05.207+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/scottish-friendly-warns-rainy-day-savers-have-been-preparing-millions-look-ways-boost-their-income</loc>
<lastmod>2024-04-17T10:53:33.576+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/nearly-two-thirds-of-over-50s-worried-about-inflating-insurance-premiums</loc>
<lastmod>2024-04-17T14:50:02.865+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Women-not-saving-tax-efficient-ways</loc>
<lastmod>2024-11-06T15:41:54.529+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scottish-Friendly-colleagues-raise-funds-for-Action-for-Children</loc>
<lastmod>2025-11-06T12:03:53.690+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/OneFamily-Scottish-Friendly-announce-proposed-merger</loc>
<lastmod>2026-02-04T10:20:36.519+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/insights</loc>
<lastmod>2025-11-13T13:52:33.104+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/sales-new-stocks-and-shares-isa-policies-increase-to-pre-pandemic-levels</loc>
<lastmod>2024-04-17T11:27:23.576+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/brits-save-almost-120bn-isas-help-fund-home-purchases</loc>
<lastmod>2024-04-17T10:53:33.595+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/demand-stocks-and-shares-isas-drops-21-year-year</loc>
<lastmod>2024-04-17T14:58:31.441+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/inflation-commentary-july-2022</loc>
<lastmod>2024-04-23T10:05:59.466+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investing-for-me/cash-isas-vs-investment-isas</loc>
<lastmod>2024-04-19T15:47:31.378+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Commentary-on-MPC-rate-decision</loc>
<lastmod>2024-11-04T16:33:10.713+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scotlands-GDP-performance-over-the-past-quarter-stronger-than-the-rest-of-the-UK</loc>
<lastmod>2025-10-29T11:52:36.310+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-comments-on-todays-GDP</loc>
<lastmod>2026-01-28T10:17:38.743+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/child-trust-fund</loc>
<lastmod>2025-09-09T13:55:20.253+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/millions-brits-are-draining-rainy-day-funds</loc>
<lastmod>2024-04-17T14:25:36.615+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2020-press-releases/return-wage-squeeze-britain</loc>
<lastmod>2024-04-17T10:53:33.579+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/1-3-parents-using-low-or-0-interest-current-accounts-save-their-childrens-future</loc>
<lastmod>2024-04-17T11:28:04.909+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/demand-stocks-and-shares-isas-among-scottish-households-falls-17-year-year</loc>
<lastmod>2024-04-17T14:58:00.457+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/</loc>
<lastmod>2024-11-04T15:55:13.580+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Septembers-inflation-reading-shows-a-degree-of-stability-holding-at-3-percent-for-the-third-consecutive-month</loc>
<lastmod>2025-10-22T09:19:38.129+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-has-commented-on-this-mornings-labour-market-overview-from-the-ONS</loc>
<lastmod>2026-01-20T09:58:08.495+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/scottish-friendlys-annual-sales-rise-11-year-year-42-million-while-revenue-branded-investment-isas-hits-new-record-high</loc>
<lastmod>2024-04-23T16:13:18.249+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/living-abroad</loc>
<lastmod>2024-04-23T12:54:40.656+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2023-press-releases/scottish-friendly-appoints-stephen-campbell-as-chief-operating-officer</loc>
<lastmod>2024-04-17T14:50:02.646+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/community-involvement</loc>
<lastmod>2025-04-15T09:18:29.422+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/falling-scottish-gdp-deeply-worrying-households</loc>
<lastmod>2024-04-17T14:26:15.225+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-colleagues-volunteer-action-for-children</loc>
<lastmod>2024-09-16T11:39:07.902+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/savings-specialist-kevin-brown-comments-on-this-mornings-gdp-figure</loc>
<lastmod>2025-10-16T14:21:48.002+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Scottish-Friendly-CEO-Stephen-McGee-on-rumoured-HMRC-plan-to-tax-ISA-cash-interest-at-22-percent</loc>
<lastmod>2026-01-15T11:58:58.181+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/summer-tour-brings-two-fantastic-authors-scottish-schools</loc>
<lastmod>2024-04-22T17:02:55.243+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/staying-safe-online</loc>
<lastmod>2024-04-24T13:09:45.417+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/nearly-two-in-five-brits-plan-save-higher-share-income-after-pandemic-shifts-away-cash-accounts</loc>
<lastmod>2024-04-17T11:30:08.311+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/kevin-brown-savings-specialist-at-scottish-friendly-comments-on-news-that-inflation-risen</loc>
<lastmod>2024-08-23T14:28:43.882+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/kevin-brown-savings-expert-commented-on-labour-market-data-from-the-ons</loc>
<lastmod>2025-10-13T14:52:34.484+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Kevin-Brown-comments-on-this-mornings-GDP-figures</loc>
<lastmod>2026-01-15T09:29:41.381+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/kevin-brown-comments-latest-uk-unemployment-figures</loc>
<lastmod>2024-04-17T14:30:22.012+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/bereavement-support</loc>
<lastmod>2025-06-03T09:17:59.586+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/scottish-friendly-statement</loc>
<lastmod>2024-04-17T11:30:46.290+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/takeovers-acquisitions</loc>
<lastmod>2025-02-11T14:14:43.961+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/-1-in-5-people-in-the-UK-prioritise-leaving-family-an-inheritance-when-setting-out-long-term-financial-goals</loc>
<lastmod>2024-08-08T14:11:36.511+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Millennials-top-the-philanthropy-table-with-49-percent-willing-to-give-a-financial-foot-up-to-children-of-family-and-friends</loc>
<lastmod>2025-10-08T14:19:05.549+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/69pc-of-Individuals-regret-not-having-done-more-to-secure-a-better-financial-future</loc>
<lastmod>2026-01-22T13:59:09.130+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/accessibility-policy</loc>
<lastmod>2025-03-27T15:25:50.568+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/brits-set-splash-cash-release-lockdown-savings-could-lead-extra-50bn-consumer-spending</loc>
<lastmod>2024-04-17T11:31:22.988+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/scottish-friendly-warns-households-are-cutting-down-saving-and-investing</loc>
<lastmod>2024-04-17T14:31:37.730+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/protect-yourself-against-pension-scams</loc>
<lastmod>2025-02-11T14:19:06.005+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/1-in-4-people-in-the-North-West-prioritise-leaving-family-an-inheritance-when-setting-out-long-term-financial-goals</loc>
<lastmod>2024-08-08T14:10:50.910+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-has-commented-on-this-mornings-Scottish-GDP-figures</loc>
<lastmod>2025-09-24T10:17:55.704+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2026-press-releases/Scottish-Friendly-reflects-on-a-year-of-community-partnership-and-fundraising</loc>
<lastmod>2026-01-07T10:52:31.476+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/fscs-information/fscs-protection</loc>
<lastmod>2024-04-23T12:28:13.343+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/scottish-friendly-childrens-virtual-book-tour-unlocks-support-children-during-lockdown</loc>
<lastmod>2024-04-17T11:33:01.471+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/households-weekly-savings-fall-14bn-during-2022</loc>
<lastmod>2024-04-17T14:32:24.454+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Jill-Mackay-savings-specialist-at-Scottish-Friendly-comments-on-MPC-rate-decision-figures</loc>
<lastmod>2024-08-01T16:28:23.392+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-has-commented-on-the-MPCs-decision-to-hold-interest-rates</loc>
<lastmod>2025-09-18T11:52:03.125+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/canada-life-fund-prices</loc>
<lastmod>2026-03-16T16:30:00.517+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/savings-flatline-households-tighten-belts</loc>
<lastmod>2024-04-17T14:33:13.459+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/scottish-friendly-comments-rishi-sunaks-2021-budget</loc>
<lastmod>2024-04-23T16:21:07.878+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/common-isa-misconceptions</loc>
<lastmod>2024-04-17T08:21:38.355+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Rate-setters-to-act-with-abundance-of-caution-despite-inflation-win</loc>
<lastmod>2024-06-19T10:23:09.520+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Understanding-how-inflation-erodes-the-real-value-of-cash-is-not-enough-to-get-people-investing-research-finds</loc>
<lastmod>2025-09-05T08:58:26.540+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/brits-set-save-164bn-year-coronavirus-changes-nations-savings-habits</loc>
<lastmod>2024-04-17T11:34:37.468+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/money-worries</loc>
<lastmod>2025-02-11T14:19:35.737+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/worst-inflation-crisis-since-1977</loc>
<lastmod>2024-04-22T17:03:46.163+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/contact-us/making-a-complaint</loc>
<lastmod>2024-04-23T13:04:46.361+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scotland-leads-the-way-in-starting-childrens-savings</loc>
<lastmod>2024-06-19T10:38:06.210+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/scottish-friendly-colleagues-volunteer-at-Action-for-childrens-short-break-service-for-the-second-year-running</loc>
<lastmod>2025-08-29T09:18:18.689+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/stocks-and-shares-investment-scotland-slumps-14-final-quarter-2020</loc>
<lastmod>2024-04-17T11:35:30.708+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/our-culture-values</loc>
<lastmod>2025-10-01T16:48:05.279+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/kevin-brown-comments-latest-employment-and-wage-growth-data</loc>
<lastmod>2024-04-17T14:37:44.801+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/women-take-the-lead-saving-for-children</loc>
<lastmod>2024-05-24T11:10:24.146+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/savings-expert-Kevin-Brown-comments-on-this-mornings-Scottish-GDP-estimates</loc>
<lastmod>2025-08-27T10:32:15.031+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/working-at-scottish-friendly</loc>
<lastmod>2024-06-18T13:47:07.923+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2021-press-releases/stocks-and-shares-investment-falls-marginally-q4-2020</loc>
<lastmod>2024-04-17T11:37:01.691+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/kevin-brown-comments-latest-uk-gdp-figures</loc>
<lastmod>2024-04-17T14:38:35.486+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-comments-inflation-may-2024</loc>
<lastmod>2024-05-22T10:57:46.051+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Inflation-comes-in-slightly-higher-than-expected-largely-driven-by-a-spike-in-air-fare</loc>
<lastmod>2025-08-20T09:16:41.973+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/working-at-scottish-friendly/induction-process</loc>
<lastmod>2024-04-17T08:41:01.454+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/scottish-friendly-posts-record-sales-in-2021</loc>
<lastmod>2024-04-17T14:39:14.786+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-ceo-joins-board-action-for-children-developments-limited</loc>
<lastmod>2024-05-14T12:03:08.530+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Signs-of-persistent-weakness-in-UK-GDP-are-emerging</loc>
<lastmod>2025-08-14T09:52:02.220+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/kevin-brown-comments-inflation-hitting-new-30-year-high</loc>
<lastmod>2024-04-17T14:39:55.693+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/working-at-scottish-friendly/graduate-programme</loc>
<lastmod>2024-04-17T08:41:34.839+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Hard-pressed-UK-consumers-are-unable-to-think-about-future-savings</loc>
<lastmod>2024-05-01T16:55:20.070+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Resilient-Jobs-Market-Reflects-Robust-Economy-Despite-Rate-Cut-Uncertainty</loc>
<lastmod>2025-08-12T08:56:30.151+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/stephen-mcgee-aims-make-scottish-friendly-leading-uk-mutual-insurer</loc>
<lastmod>2024-04-17T14:41:09.459+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/working-at-scottish-friendly/apprenticeship-programme</loc>
<lastmod>2025-10-13T14:27:46.425+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Hard-pressed-Scottish-households-unable-to-think-about-future-savings</loc>
<lastmod>2024-05-01T16:38:43.957+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Contributions-to-new-stocks-and-shares-ISAs-surge-13-percent-in-Q2-according-to-Scottish-Friendlys-Investor-Index</loc>
<lastmod>2025-08-11T11:53:58.236+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/working-at-scottish-friendly/growing-your-skills-and-career</loc>
<lastmod>2024-04-17T08:42:25.237+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/scottish-friendly-comments-sunaks-spring-statement</loc>
<lastmod>2024-04-17T14:43:38.947+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-reports-new-business-sales-as-the-highest-in-its-history</loc>
<lastmod>2024-04-25T13:10:32.395+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scottish-Friendly-savings-expert-Kevin-Brown-comments-on-this-afternoons-MPC-decision</loc>
<lastmod>2025-08-12T08:30:40.834+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-extend-jisa-guarantee-to-help-parents-invest-for-childrens-future</loc>
<lastmod>2024-04-22T07:24:10.104+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/female-investment-into-stocks-and-shares-isas-reaches-highest-level</loc>
<lastmod>2024-04-17T14:45:33.500+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/contact-us</loc>
<lastmod>2026-03-25T17:33:16.232+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scottish-GDP-fell-from-the-three-months-to-May-however-positives-remain-for-the-economy</loc>
<lastmod>2025-07-30T15:28:35.952+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/contact-us/contact-us-form</loc>
<lastmod>2024-04-17T08:43:01.399+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/savings-specialist-kevin-brown-comments-on-todays-inflation-announcement</loc>
<lastmod>2024-04-22T07:25:03.869+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/scottish-friendly-launch-new-game-changing-guaranteed-over-50s-life-insurance-product</loc>
<lastmod>2024-04-17T14:46:13.536+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Widespread-backing-among-parents-for-JISA-rules-shake-up</loc>
<lastmod>2025-07-28T11:59:04.597+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/scottish-friendly-donates-over-23k-support-action-children</loc>
<lastmod>2024-04-17T14:46:59.355+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/kevin-brown-savings-specialist-at-scottish-friendly-comments-march-mpc-base-rate-decision</loc>
<lastmod>2024-04-22T07:25:56.284+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Londoners-top-in-the-UK-for-wanting-to-provide-financial-help-for-extended-family</loc>
<lastmod>2025-08-06T14:45:38.382+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance/modern-slavery-statement</loc>
<lastmod>2025-01-29T12:00:25.947+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/kevin-brown-savings-specialist-at-scottish-friendly-comments-fall-in-inflation</loc>
<lastmod>2024-04-22T07:26:45.099+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2022-press-releases/parents-saving-their-kids-prioritise-familiarity-high-street-banks</loc>
<lastmod>2024-04-17T14:48:11.838+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Large-numbers-in-Northwest-support-Junior-ISA-reform</loc>
<lastmod>2025-08-06T14:36:01.628+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/who-regulates-us</loc>
<lastmod>2024-04-14T22:10:41.151+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/Commentary-on-ONS-employment-statistics</loc>
<lastmod>2024-10-28T16:51:53.142+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Latest-UK-GDP-figures-show-continued-strain-for-the-economy</loc>
<lastmod>2025-07-11T14:58:30.260+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/jill-mackay-scottish-friendly-comments-announcement-national-insurance-cut</loc>
<lastmod>2024-04-22T07:27:36.385+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/financial-results-and-tax-strategy</loc>
<lastmod>2026-04-02T12:00:09.216+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Grandparents-expect-to-ease-childcare-and-financial-burden-of-summer-holidays</loc>
<lastmod>2025-07-07T14:31:38.547+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/kevin-brown-savings-specialist-at-scottish-friendly-comments-announcement-british-isa</loc>
<lastmod>2024-04-22T07:28:30.156+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/privacy-policy</loc>
<lastmod>2025-01-30T16:20:39.134+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Parents-braced-to-fork-out-for-childcare-over-summer</loc>
<lastmod>2025-07-07T11:18:24.003+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-and-fintech-scotland-join-forces</loc>
<lastmod>2024-04-17T15:06:48.540+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Jill-Mackay-comments-on-todays-Scottish-GDP-data</loc>
<lastmod>2025-06-25T09:50:11.973+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/awards</loc>
<lastmod>2025-09-26T14:26:29.447+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-colleagues-raise-25901-action-children</loc>
<lastmod>2024-04-25T12:00:59.003+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Savings-expert-Kevin-Brown-comments-on-this-mornings-inflation-data</loc>
<lastmod>2025-06-18T09:17:04.489+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/doing-it-for-kids-jisas-lead-isas-take-back-seat</loc>
<lastmod>2024-04-25T10:48:04.816+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance/our-people</loc>
<lastmod>2025-08-26T16:21:25.617+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/GDP-figures-below-analyst-expectations</loc>
<lastmod>2025-06-12T09:30:30.916+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/who-we-are</loc>
<lastmod>2025-08-15T15:52:32.881+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/scottish-gdp-bucks-uk-gloom-thanks-to-the-euro-phoria</loc>
<lastmod>2024-09-25T11:43:05.070+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/uk-wage-growth-slows</loc>
<lastmod>2025-06-11T12:01:26.486+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/community-involvement/childrens-book-tour</loc>
<lastmod>2025-04-15T09:15:20.296+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/-Rate-cuts-still-on-cards-despite-strong-wage-growth-Kevin-Brown-savings-specialist-at-Scottish-Friendly-comments-on-wage-employment-data</loc>
<lastmod>2024-10-23T16:57:06.084+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scottish-Friendly-makes-Sunday-Times-Best-Places-to-Work-list</loc>
<lastmod>2025-05-29T22:20:25.749+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance</loc>
<lastmod>2024-08-14T16:58:56.036+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/Scottish-Friendly-colleagues-volunteer-Action-for-Children</loc>
<lastmod>2024-10-31T16:04:58.246+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Latest-Scottish-GDP-figures</loc>
<lastmod>2025-05-29T21:23:05.449+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/JISA-Reform-FFT-Release</loc>
<lastmod>2024-11-04T14:28:03.830+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Inflation-spike-of-nearly-1-percent</loc>
<lastmod>2025-05-21T09:26:54.284+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance/our-delegate-system</loc>
<lastmod>2024-04-18T16:34:49.450+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/uk-economy-could-prove-naysayers-wrong</loc>
<lastmod>2025-05-15T09:33:26.050+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance/board-committee-terms-of-reference</loc>
<lastmod>2025-05-21T16:55:45.027+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/initial-investment-into-new-isa-in-the-uk-surge</loc>
<lastmod>2025-05-13T10:00:26.657+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance/uk-complaints-data</loc>
<lastmod>2026-02-24T14:33:56.958+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/scottish-savers-lead-uk-contributions</loc>
<lastmod>2025-05-13T09:55:13.562+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance/annual-general-meetings</loc>
<lastmod>2025-05-02T11:06:09.962+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/wages-still-rising-but-gap-is-starting-to-narrow</loc>
<lastmod>2025-05-13T08:26:51.578+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/industry-research-reports/latest-reports-before</loc>
<lastmod>2024-04-23T10:09:32.718+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/mpc-signals-above-target-inflation-only-temporary</loc>
<lastmod>2025-05-08T13:38:43.728+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre</loc>
<lastmod>2026-01-07T10:55:15.243+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/a-temporary-reprieve-for-households-ahead-pf-awful-April</loc>
<lastmod>2025-04-16T14:03:08.819+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/sustainability-and-social-impact</loc>
<lastmod>2025-08-15T15:53:58.551+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-gdp-comment</loc>
<lastmod>2025-04-11T15:10:49.172+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-friendly-acquisition-announcement</loc>
<lastmod>2025-04-09T11:45:31.398+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/comment-on-spring-budget</loc>
<lastmod>2025-03-26T15:38:09.154+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/scottish-economy-starts-year-on-stronger-footing-as-growth-picks-up</loc>
<lastmod>2025-03-26T15:20:02.957+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2024-press-releases/inflation-relief-gives-chancellor-boost-before-spring-statement</loc>
<lastmod>2025-03-26T09:40:19.315+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/significant-challenges-remain-for-the-chancellor</loc>
<lastmod>2025-03-26T09:38:39.664+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/enhanced-disclosure-of-fund-charges-and-costs</loc>
<lastmod>2024-04-19T17:06:03.950+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/scottish-economy-beats-the-uk-2024</loc>
<lastmod>2025-02-26T11:47:32.864+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-investments/my-choice-isa-key-information-documents</loc>
<lastmod>2025-11-19T14:45:30.396+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/new-junior-isa-sales-jump-12-percent</loc>
<lastmod>2025-02-20T10:15:15.637+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-investments/my-select-isa-key-information-documents</loc>
<lastmod>2025-11-19T14:48:14.633+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-comments-on-inflation</loc>
<lastmod>2025-02-19T13:59:59.701+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-oeic-investors/my-prosperity-isa-key-information-documents</loc>
<lastmod>2025-11-19T14:50:12.264+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-comments-on-labour-market</loc>
<lastmod>2025-02-19T14:00:36.510+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-oeic-investors/my-smarter-isa-key-information-documents</loc>
<lastmod>2024-04-17T08:55:49.451+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-comments-on-interest-rate-cut</loc>
<lastmod>2025-02-19T13:49:48.954+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-oeic-investors/my-sovereign-investment-isa-key-information-documents</loc>
<lastmod>2025-11-19T14:49:29.718+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-comments-on-ONS-GDP</loc>
<lastmod>2025-02-13T13:26:40.269+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-investments/my-choice-junior-isa-key-information-documents</loc>
<lastmod>2025-11-19T14:46:06.423+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/parents-worry-about-child-affording-home</loc>
<lastmod>2025-02-19T14:09:31.596+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-investments/my-select-junior-isa-key-information-documents</loc>
<lastmod>2025-11-19T14:48:39.699+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-comments-on-labour-market-figures</loc>
<lastmod>2025-01-21T08:32:57.096+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-oeic-investors/my-ready-made-junior-isa-key-information-documents</loc>
<lastmod>2024-04-17T08:57:38.248+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-comments-on-latest-gdp-figures</loc>
<lastmod>2025-01-16T09:42:21.382+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-oeic-investors/scottish-bond-key-information-documents</loc>
<lastmod>2024-04-17T17:14:59.810+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-comments-on-todays-inflation-figures</loc>
<lastmod>2025-01-15T10:38:09.278+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/welcome-gift-terms-and-conditions</loc>
<lastmod>2026-03-04T10:00:27.178+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/scottish-friendly-another-year-of-strong-performance</loc>
<lastmod>2025-04-30T16:09:48.365+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/feedback-prize-draw</loc>
<lastmod>2024-04-25T11:59:05.837+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/privacy-policy-newsletter-subscription</loc>
<lastmod>2024-04-17T17:20:20.220+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/2025-Scottish-Friendly-Family-Finance-Tracker</loc>
<lastmod>2025-07-23T15:57:49.381+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-oeic-investors/child-bond-key-information-documents</loc>
<lastmod>2024-04-17T09:06:59.431+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Inflation-adds-to-cluster-of-fiscal-headaches</loc>
<lastmod>2025-07-16T08:51:28.338+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Millennials-and-Gen-Z-lead-the-way-in-push-for-financial-resilience</loc>
<lastmod>2025-08-04T14:58:36.271+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/managing-your-investment/how-to-use-my-plans</loc>
<lastmod>2025-09-24T10:13:10.370+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/commenting-on-latest-gdp-figures-economy-showing-signs-of-resilience</loc>
<lastmod>2025-09-12T13:44:32.343+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-and-support/investment-information/risk-graded-funds</loc>
<lastmod>2026-01-09T08:46:59.017+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/labour-market-data-shows-wage-growth-cooling-and-gap-with-inflation-shrinking</loc>
<lastmod>2025-09-16T09:24:47.422+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Kevin-Brown-savings-expert-at-Scottish-Friendly-has-commented-on-this-mornings-inflation-data-from-the-ONS</loc>
<lastmod>2025-09-18T12:34:12.048+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/as-inflation-finally-eases-interest-rate-cut-next-month-looks-likely</loc>
<lastmod>2025-11-19T08:49:50.610+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/newsletter-subscription</loc>
<lastmod>2024-09-17T17:29:03.780+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/media-centre/2025-press-releases/Scottish-Friendly-partners-with-Just-Finance-Foundation-to-champion-financial-education-for-young-people</loc>
<lastmod>2025-12-10T10:33:20.423+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/principles-and-practices-financial-management</loc>
<lastmod>2025-12-16T11:45:48.485+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/scottish-friendly-governance-advisory-arrangement-annual-reports</loc>
<lastmod>2025-09-29T14:35:46.671+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/scottish-friendly-governance-advisory-arrangement-annual-reports-archive</loc>
<lastmod>2025-09-29T14:36:57.212+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/scottish-friendly-governance-advisory-arrangement-annual-reports/illustrations</loc>
<lastmod>2026-01-13T16:11:58.999+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/-investment-information/flexible-income-annuity-fia-funds</loc>
<lastmod>2025-11-19T12:11:24.252+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/life-insurance/my-mutual-guaranteed-over-50s-plan/terms-and-conditions-100-welcome-gift-voucher</loc>
<lastmod>2024-04-23T13:31:29.430+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/terms-and-conditions-junior-isa-welcome-gift-payment</loc>
<lastmod>2026-01-26T18:04:26.741+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/cookie-policy</loc>
<lastmod>2024-04-19T10:17:57.410+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/fund-prices/fund-value-calculator</loc>
<lastmod>2024-04-19T10:18:40.684+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/corporate-governance/board-diversity-policy</loc>
<lastmod>2024-04-22T08:58:46.313+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/engagement-policy</loc>
<lastmod>2025-07-15T14:19:16.937+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/gender-pay-report</loc>
<lastmod>2026-04-02T11:37:37.486+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/fscs-information</loc>
<lastmod>2024-04-19T10:32:38.286+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/accessibility/sight-or-hearing-loss</loc>
<lastmod>2024-04-19T10:34:10.352+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/need-someone-to-help-you-manage-your-account</loc>
<lastmod>2024-04-25T11:59:30.610+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/mental-health</loc>
<lastmod>2024-04-19T10:36:42.504+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/support-with-illness-or-disability</loc>
<lastmod>2024-04-19T10:37:36.594+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/domestic-abuse</loc>
<lastmod>2024-04-19T10:44:08.221+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/protect-yourself-against-scams</loc>
<lastmod>2024-04-19T10:46:45.529+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/other-ways-to-speak-with-us</loc>
<lastmod>2024-04-23T12:29:54.896+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/protect-yourself-against-investment-scams</loc>
<lastmod>2024-04-19T10:54:08.430+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/asset-mix/understanding-mvrs</loc>
<lastmod>2025-09-30T11:30:52.797+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/asset-mix/with-profits-fund-in-simple-terms</loc>
<lastmod>2024-04-19T13:06:50.127+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/terms-and-conditions-junior-isa-100-welcome-gift-payment</loc>
<lastmod>2024-09-12T10:12:11.830+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/some-other-help-available-to-you</loc>
<lastmod>2024-04-19T13:09:55.424+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/terms-and-conditions-jisa-100-welcome-gift-payment</loc>
<lastmod>2025-02-20T09:38:44.213+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/managing-your-investments-withdrawing-money-cashing-in-isa</loc>
<lastmod>2024-06-20T09:39:47.749+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/statement-hub</loc>
<lastmod>2026-04-02T12:24:31.910+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/pricing-changes</loc>
<lastmod>2025-02-05T12:16:40.460+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/oeic-investors</loc>
<lastmod>2026-03-16T08:44:58.484+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isa-investments</loc>
<lastmod>2026-04-02T21:45:58.335+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-investments/my-prime-isa-key-information-documents</loc>
<lastmod>2025-06-03T09:14:52.227+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/our-charges</loc>
<lastmod>2025-12-01T14:53:28.484+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/transfer-terms-and-conditions</loc>
<lastmod>2026-03-16T11:13:58.396+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/about-us/isa-oeic-investors</loc>
<lastmod>2025-04-06T09:44:42.302+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/terms-conditions-isa-prize-draw</loc>
<lastmod>2025-04-06T09:49:17.955+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/our-new-funds</loc>
<lastmod>2026-02-16T11:40:17.102+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/terms-and-conditions-easy-select-junior-isa</loc>
<lastmod>2025-04-11T17:40:04.299+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/annuity</loc>
<lastmod>2025-04-17T14:11:10.503+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/oeic-merger-2025</loc>
<lastmod>2025-08-29T16:05:44.240+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/LANMAS-Closure</loc>
<lastmod>2025-12-16T11:55:57.692+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/RS-Closure</loc>
<lastmod>2025-12-16T11:53:18.030+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/website-terms-conditions</loc>
<lastmod>2025-08-26T09:56:34.031+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/end-user-licence-agreement</loc>
<lastmod>2025-08-26T09:58:47.088+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/community-hub</loc>
<lastmod>2026-01-29T08:40:45.279+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/community-hub/action-for-children</loc>
<lastmod>2026-01-29T08:43:29.992+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/community-hub/developing-the-young-workforce</loc>
<lastmod>2026-01-29T08:45:06.011+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/community-hub/just-finance-foundation</loc>
<lastmod>2026-01-29T08:46:12.104+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/investment-guarantee</loc>
<lastmod>2026-03-12T11:32:29.522+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/our-tv-advert</loc>
<lastmod>2026-03-16T09:25:35.447+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/add-a-my-choice-policy-to-your-childs-junior-isa/add-a-my-choice-policy-junior-isa-our-funds</loc>
<lastmod>2026-04-02T23:01:28.479+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-select-junior-isa-campaign/my-select-junior-isa-campaign-our-funds</loc>
<lastmod>2026-04-02T22:57:18.840+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-select-junior-isa/my-select-junior-isa-our-funds</loc>
<lastmod>2026-04-02T22:54:42.195+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/managing-your-investment/add-a-my-choice-policy-to-your-isa/add-a-my-choice-policy-our-funds</loc>
<lastmod>2026-04-02T22:33:23.107+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-prime-isa/my-prime-isa-our-ten-funds</loc>
<lastmod>2024-04-19T13:39:52.015+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-choice-isa/my-choice-isa-our-funds</loc>
<lastmod>2026-04-02T22:29:53.718+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-select-junior-isa/my-select-junior-isa-our-funds</loc>
<lastmod>2026-03-12T11:37:57.426+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-select-junior-isa-ppc1/my-select-junior-isa-our-funds-ppc1</loc>
<lastmod>2026-04-02T22:59:33.262+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-moneybuilder-select-isa-tcb</loc>
<lastmod>2026-04-02T23:06:27.357+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-moneybuilder-select-isa-quidco</loc>
<lastmod>2026-03-24T11:08:39.586+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-easy-choice-isa</loc>
<lastmod>2026-03-12T12:42:09.125+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-moneybuilder-select-isa</loc>
<lastmod>2026-03-24T11:08:22.300+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/products</loc>
<lastmod>2026-03-20T10:48:52.433+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas</loc>
<lastmod>2026-03-14T13:16:12.116+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-climate-leader-select-isa</loc>
<lastmod>2025-12-11T09:59:35.894+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/ppc1</loc>
<lastmod>2026-02-15T11:31:34.253+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-choice-isa</loc>
<lastmod>2026-04-02T22:38:43.122+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-climate-leader-choice-isa-affiliate</loc>
<lastmod>2025-12-11T09:58:48.547+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-select-jisa</loc>
<lastmod>2025-12-11T10:00:38.192+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/add-a-my-choice-policy-to-your-isa</loc>
<lastmod>2026-04-02T22:31:33.117+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate/my-easy-select-junior-isa</loc>
<lastmod>2026-03-24T11:10:55.425+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-climate-leader-choice-isa</loc>
<lastmod>2026-03-24T12:52:41.283+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-easy-choice-isa</loc>
<lastmod>2026-04-01T12:11:57.949+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-easy-choice-isa-campaign</loc>
<lastmod>2026-03-24T12:55:34.126+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-easy-choice-isa-campaign-variation</loc>
<lastmod>2026-03-24T12:56:12.274+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-easy-choice-isa-dm-campaign</loc>
<lastmod>2026-03-24T12:57:09.292+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-easy-choice-isa-ppc1</loc>
<lastmod>2026-03-24T12:59:05.587+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas</loc>
<lastmod>2026-03-14T13:20:32.276+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-easy-select-junior-isa</loc>
<lastmod>2026-04-02T22:48:44.421+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-easy-select-junior-isa-ppc1</loc>
<lastmod>2026-04-02T22:50:17.575+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-easy-select-junior-isa-child</loc>
<lastmod>2026-04-02T22:50:59.908+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-climate-leader-select-junior-isa</loc>
<lastmod>2026-04-02T22:52:02.790+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-select-junior-isa</loc>
<lastmod>2026-04-02T22:53:08.456+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-select-junior-isa-campaign</loc>
<lastmod>2026-04-02T22:55:49.672+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/my-select-junior-isa-ppc1</loc>
<lastmod>2026-04-02T22:58:09.428+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/junior-isas/add-a-my-choice-policy-to-your-childs-junior-isa</loc>
<lastmod>2026-04-02T23:00:01.899+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/life-insurance/my-mutual-guaranteed-over-50s-plan</loc>
<lastmod>2026-01-26T14:11:57.091+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/guide-to-isas</loc>
<lastmod>2025-04-07T11:33:07.655+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/support-hub/guide-to-junior-isas</loc>
<lastmod>2024-04-18T12:10:11.720+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/managing-your-investment</loc>
<lastmod>2026-03-16T10:28:14.032+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/friendlier-investing-for-you-and-your-family</loc>
<lastmod>2026-02-15T15:24:07.303+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/my-sovereign-investment</loc>
<lastmod>2026-03-24T10:45:13.033+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-choice-isa-aggregator</loc>
<lastmod>2025-12-10T16:49:35.271+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/affiliate</loc>
<lastmod>2025-12-10T14:15:38.231+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/sfa-products</loc>
<lastmod>2026-02-15T15:21:50.372+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/help-support/investment-information/asset-mix/your-friendly-guide-to-the-with-profits-fund</loc>
<lastmod>2026-03-02T16:48:26.921+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/profit-share</loc>
<lastmod>2026-03-02T16:47:00.978+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/my-prime-isa</loc>
<lastmod>2025-04-06T09:46:00.065+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/isas/isa-prize-draw</loc>
<lastmod>2025-04-06T09:49:59.610+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/transfer-isa-ppc</loc>
<lastmod>2026-03-17T09:48:24.880+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/transfer-junior-isa-ppc</loc>
<lastmod>2026-03-14T17:18:45.381+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/Investing-in-a-volatile-market</loc>
<lastmod>2026-03-04T15:11:08.815+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/profit-share-turning-success-into-shared-rewards</loc>
<lastmod>2026-03-02T16:46:19.092+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/Autumn-Budget-2025</loc>
<lastmod>2025-11-27T16:51:57.261+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/global-market-review-sept-2025</loc>
<lastmod>2025-09-24T12:34:55.687+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/factors-influencing-investment-performance</loc>
<lastmod>2025-09-24T10:50:14.566+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/Friendly-Glossary-of-Terms</loc>
<lastmod>2025-09-24T10:45:53.080+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/how-to-create-financial-plan-for-family</loc>
<lastmod>2025-09-24T10:36:05.743+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/insights/Scottish-Friendly-Family-Finance-Tracker</loc>
<lastmod>2025-08-06T09:30:00.784+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/saving-vs-investing</loc>
<lastmod>2025-07-17T09:56:35.058+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/Investment-market-outlook-April-2025</loc>
<lastmod>2025-07-03T15:31:05.354+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/global-market-review-July-2025</loc>
<lastmod>2025-07-03T15:25:08.515+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/scottish-friendly-radio-day</loc>
<lastmod>2025-03-25T13:27:31.846+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/understanding-our-Updated-charging-structure</loc>
<lastmod>2025-02-25T12:57:25.397+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/a-look-ahead-to-2025</loc>
<lastmod>2025-01-13T13:59:09.013+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/checking-in-on-your-financial-fitness</loc>
<lastmod>2025-01-13T13:58:55.900+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/getting-to-grips-with-investment-funds</loc>
<lastmod>2025-01-13T13:58:37.122+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/Autumn-Budget-2024</loc>
<lastmod>2024-11-01T16:29:24.279+00:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/household-financial-dilemmas</loc>
<lastmod>2024-05-07T10:38:35.846+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/financial-habits</loc>
<lastmod>2024-04-24T16:52:04.978+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/build-savings-on-low-income</loc>
<lastmod>2024-04-23T12:42:33.732+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/budgeting-rules</loc>
<lastmod>2024-04-23T12:38:56.440+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/getting-started-investing</loc>
<lastmod>2024-04-23T12:35:46.469+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/for-the-kids</loc>
<lastmod>2024-04-23T12:33:25.028+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/living-costs-and-saving</loc>
<lastmod>2024-04-23T12:28:14.074+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/light-for-scottish-businesses</loc>
<lastmod>2024-04-23T11:50:28.391+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/colleagues-raise-11k</loc>
<lastmod>2024-04-23T11:49:28.635+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/spot-email-scam</loc>
<lastmod>2024-04-23T11:37:30.152+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/british-isa</loc>
<lastmod>2024-04-23T11:34:18.887+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/investment-strategies-across-generations</loc>
<lastmod>2024-04-23T11:33:00.684+01:00</lastmod>
</url>
<url>
<loc>https://scottishfriendly.co.uk/financial-habits-article</loc>
<lastmod>2024-04-17T12:07:27.936+01:00</lastmod>
</url>
</urlset>
