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  <!-- 6 HUBS silos thématiques (priorité 0.8) -->
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  <!-- Silo OPTIMISATION (15 articles) -->
  <url><loc>https://www.mon3p.ch/optimisation/imposition-retrait-3eme-pilier-vaud/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/imposition-retrait-3eme-pilier-geneve/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/imposition-retrait-3eme-pilier-fribourg/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/imposition-retrait-3eme-pilier-neuchatel/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/imposition-retrait-3eme-pilier-berne/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/splitting-3a-optimal-55-ans/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/splitting-3a-optimal-60-ans/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/echelonnement-retrait-geneve/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/rachat-3a-2025-nouvelles-regles/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/3eme-pilier-a-ou-b/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/3eme-pilier-2023/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/3eme-pilier-2024/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/montant-3eme-pilier-2024/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/3eme-pilier-banque-ou-assurance/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/optimisation/3eme-pilier-b-deduction-fiscale-vaud/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Silo HALAL (13 articles) -->
  <url><loc>https://www.mon3p.ch/halal/3eme-pilier-compatible-charia/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/halal/criteres-aaoifi-3eme-pilier-charia/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
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  <url><loc>https://www.mon3p.ch/halal/zakat-3eme-pilier-suisse/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/halal/3eme-pilier-communaute-musulmane-suisse/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/halal/assurance-vie-halal-suisse/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/halal/3eme-pilier-sans-riba/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/halal/fatwa-3eme-pilier-suisse/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/halal/prevoyance-couple-musulman-suisse/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
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  <url><loc>https://www.mon3p.ch/halal/halal-investing-suisse/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Silo INDÉPENDANTS (3 articles) -->
  <url><loc>https://www.mon3p.ch/independants/deduction-max-3a-independant/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/independants/3eme-pilier-medecin-independant-vaud/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/independants/3eme-pilier-freelance-it-geneve/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Silo ACHAT IMMOBILIER (3 articles) -->
  <url><loc>https://www.mon3p.ch/achat-immobilier/3eme-pilier-pour-achat-immobilier/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/achat-immobilier/couple-non-marie-achat-immobilier-3a/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/achat-immobilier/amortissement-indirect-vaud/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Silo SWITCHER (3 articles) -->
  <url><loc>https://www.mon3p.ch/switcher/comparaison-3eme-pilier/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/switcher/resilier-3eme-pilier-axa/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/switcher/valeur-rachat-swiss-life-3eme-pilier/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Silo PREMIER 3A (3 articles) -->
  <url><loc>https://www.mon3p.ch/premier-3a/premier-3a-30-ans/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/premier-3a/ouvrir-3eme-pilier-25-ans/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>
  <url><loc>https://www.mon3p.ch/premier-3a/premier-3a-freelance-it/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.7</priority></url>

  <!-- Articles listing -->
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  <!-- Pages éditeur / méthodologie (E-E-A-T) -->
  <url><loc>https://www.mon3p.ch/a-propos/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.mon3p.ch/methodologie/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>
  <url><loc>https://www.mon3p.ch/equipe/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.6</priority></url>

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  <url><loc>https://www.mon3p.ch/equipe/lea-berthoud/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
  <url><loc>https://www.mon3p.ch/equipe/marc-olivier-pittet/</loc><lastmod>2026-05-13</lastmod><changefreq>monthly</changefreq><priority>0.5</priority></url>
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  <!-- Pages légales (indexables mais non-cibles SEO) -->
  <url><loc>https://www.mon3p.ch/mentions-legales/</loc><lastmod>2026-05-13</lastmod><changefreq>yearly</changefreq><priority>0.3</priority></url>
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