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    <title>Personal Fund Blog</title>
    <link>http://blog.personalfund.com/</link>
    <description></description>
    <language>en-us</language>
    <webMaster></webMaster>
    <lastBuildDate>2008-01-25T21:38:58-08:00</lastBuildDate>
    <pubDate>2008-01-25T21:21:32-08:00</pubDate>
    <item>
      <title>&quot;Past performance is no guarantee of future performance&quot; (again)</title>
      <description>Last month's Wall Street Journal reported &quot;Winning Funds Share Traits, But the Trick Is Finding Them&quot;. The article looked for...</description>
      <link>http://blog.personalfund.com/archives/2008/01/post_1.html</link>
    </item>
    <item>
      <title>Focus on costs, not on history or hype</title>
      <description>The news media is full of articles on mutual funds. Most, it seems, are dramatic tales about funds that have...</description>
      <link>http://blog.personalfund.com/archives/2007/10/post.html</link>
    </item>
    <item>
      <title>Subscriber receipts available online</title>
      <description>Subscribers can obtain an online receipt for their subscription payments by logging in and then visiting this link. (If you...</description>
      <link>http://blog.personalfund.com/archives/2007/09/subscriber_rece.html</link>
    </item>
    <item>
      <title>Website upgrade: ETFs now available</title>
      <description>We've now added ETFs to the universe of open-end funds in our dataset. You can look-up the cost of ownership...</description>
      <link>http://blog.personalfund.com/archives/2007/08/website_upgrade_1.html</link>
    </item>
    <item>
      <title>Website upgrade: More detailed expense ratio information now available</title>
      <description>We've now upgraded the website to provide recently available expense ratio detail. Due to a recent NASD directive, funds now...</description>
      <link>http://blog.personalfund.com/archives/2007/08/website_upgrade.html</link>
    </item>
    <item>
      <title>New study: How Mutual Fund Costs Lower Fund Returns [updated]</title>
      <description>[updated on July 23, 2007] In 2002, we published a white paper, &quot;Mutual Fund Costs: Risk Without Reward&quot; which summarized...</description>
      <link>http://blog.personalfund.com/archives/2007/07/latest_study_co.html</link>
    </item>
    <item>
      <title>How Mutual Fund Costs Lower Fund Returns: Tax-Free Muni Bond Funds</title>
      <description>This post illustrates the impact of costs on returns for Tax-Free Muni Bond Funds on a pre-tax basis for the...</description>
      <link>http://blog.personalfund.com/archives/2007/07/how_mutual_fund_3.html</link>
    </item>
    <item>
      <title>How Mutual Fund Costs Lower Fund Returns: Small-cap U.S. Equity Funds </title>
      <description>This post illustrates the impact of costs on returns for Small-Cap U.S. Equity Funds on a pre-tax basis for the...</description>
      <link>http://blog.personalfund.com/archives/2007/07/how_mutual_fund_1.html</link>
    </item>
    <item>
      <title>How Mutual Fund Costs Lower Fund Returns: Mid-cap U.S. Equity Funds </title>
      <description>This post illustrates the impact of costs on returns for Mid-Cap U.S. Equity Funds on a pre-tax basis for the...</description>
      <link>http://blog.personalfund.com/archives/2007/07/how_mutual_fund_2.html</link>
    </item>
    <item>
      <title>About the Personal Fund blog</title>
      <description>We've launched the Personal Fund blog to answer your questions about using the web site, to announce new features and...</description>
      <link>http://blog.personalfund.com/archives/2007/07/about_the_perso.html</link>
    </item>
    <item>
      <title>How Mutual Fund Costs Lower Fund Returns: Larger-cap U.S. Equity Funds</title>
      <description>This post illustrates the impact of costs on returns for Larger-Cap U.S. Equity Funds on a pre-tax basis for the...</description>
      <link>http://blog.personalfund.com/archives/2007/07/how_mutual_fund.html</link>
    </item>
    <item>
      <title>Monthly data is now updated for June 30, 2007</title>
      <description>Our fund data is now up-to-date for the 12 months ending June 30, 2007...</description>
      <link>http://blog.personalfund.com/archives/2007/07/data_updated_fo.html</link>
    </item>
    <item>
      <title>Frequently Asked Questions</title>
      <description>Managing your subscription I forgot my password. What do I do? How do I change my e-mail address or password?...</description>
      <link>http://blog.personalfund.com/archives/2007/06/faq.html</link>
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