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  <loc>https://wealthandlegacy.co.za/faq/investments/difference-between-individual-shares-etfs-and-unit-trusts/</loc>
  <lastmod>2026-11-13T17:37:05Z</lastmod>
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   <news:title>What is the difference between investing in individual shares, ETFs and unit trusts?</news:title>
   <news:publication_date>2026-11-13T16:57:17Z</news:publication_date>
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  <loc>https://wealthandlegacy.co.za/faq/investments/can-i-transfer-existing-investments-without-selling-them/</loc>
  <lastmod>2026-11-13T17:37:01Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
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   <news:title>Can I transfer my existing investments to Wealth and Legacy Group without selling them?</news:title>
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    <news:name>Wealth and Legacy Group</news:name>
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   <news:title>What fees and costs should I consider when investing?</news:title>
   <news:publication_date>2026-11-13T13:58:18Z</news:publication_date>
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  <lastmod>2026-11-13T17:36:55Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
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   <news:title>Where are my investments held, and how are they protected?</news:title>
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  <lastmod>2026-11-13T17:36:52Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
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   <news:title>How does Wealth and Legacy Group select investments and construct portfolios?</news:title>
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  <lastmod>2026-11-13T17:36:48Z</lastmod>
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   <news:title>How does Wealth and Legacy Group determine which investments are suitable for me?</news:title>
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  <lastmod>2026-11-13T17:36:45Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
    <news:language>en</news:language>
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   <news:title>What is the difference between investment advice and discretionary investment management?</news:title>
   <news:publication_date>2026-11-13T13:54:56Z</news:publication_date>
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  <lastmod>2026-11-13T17:36:41Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
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  <lastmod>2026-11-13T13:25:29Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
    <news:language>en</news:language>
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   <news:title>Investments</news:title>
   <news:publication_date>2026-11-13T11:09:02Z</news:publication_date>
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  <loc>https://wealthandlegacy.co.za/faq/wills/can-i-bequeath-assets-held-in-a-family-trust-through-my-will/</loc>
  <lastmod>2026-11-13T10:31:35Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
    <news:language>en</news:language>
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   <news:title>Can I bequeath assets held in a family trust through my Will?</news:title>
   <news:publication_date>2026-11-13T10:31:34Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <lastmod>2026-11-13T10:31:22Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
    <news:language>en</news:language>
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   <news:title>What happens to an accrual claim when a spouse dies?</news:title>
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  <lastmod>2026-11-13T10:31:20Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
    <news:language>en</news:language>
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   <news:title>What happens to my shares or business interest when I die?</news:title>
   <news:publication_date>2026-11-13T10:31:19Z</news:publication_date>
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  <loc>https://wealthandlegacy.co.za/faq/deceased-estates/does-my-retirement-fund-beneficiary-nomination-override-my-will/</loc>
  <lastmod>2026-11-13T10:31:17Z</lastmod>
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    <news:name>Wealth and Legacy Group</news:name>
    <news:language>en</news:language>
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   <news:title>Does my retirement fund beneficiary nomination override my Will?</news:title>
   <news:publication_date>2026-11-13T10:31:15Z</news:publication_date>
   <news:genres>Blog</news:genres>
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  <loc>https://wealthandlegacy.co.za/news/old-mutual-full-bloom-2026/</loc>
  <lastmod>2026-11-13T15:26:52Z</lastmod>
  <news:news>
   <news:publication>
    <news:name>Wealth and Legacy Group</news:name>
    <news:language>en</news:language>
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   <news:title>Angélique Krügel joins Old Mutual’s Full Bloom 2026 panel discussion</news:title>
   <news:publication_date>2026-11-12T09:39:00Z</news:publication_date>
   <news:genres>Blog</news:genres>
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