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<url><loc>https://with-kevin.com/2026/11/04/tlt-long-bond/</loc><news:news><news:publication><news:name>어쩌다 은퇴자</news:name><news:language>ko</news:language></news:publication><news:publication_date>2026-11-03T23:00:00+00:00</news:publication_date><news:title>[레터 18호] &#8220;주식보다 더 빠지고, 회복도 못 했다&#8221; — 미국 장기채 TLT를 만기별로 나눠 보니</news:title><news:keywords>자산배분, TLT, 채권ETF, 미국국채, 장기채, 금리</news:keywords></news:news><image:image><image:loc>https://with-kevin.com/wp-content/uploads/2026/11/thumbnail-2-1.jpg?w=150</image:loc></image:image></url></urlset>