{"id":1123,"date":"2025-06-23T15:58:09","date_gmt":"2025-06-23T15:58:09","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1123"},"modified":"2025-06-23T12:37:52","modified_gmt":"2025-06-23T12:37:52","slug":"etf-vs-mutual-funds-where-to-invest-in-2025","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/etf-vs-mutual-funds-where-to-invest-in-2025\/","title":{"rendered":"ETF vs Mutual Funds: Where to Invest in 2025?"},"content":{"rendered":"\n<p>In 2025, Indian investors face a choice between two popular routes to participate in capital markets: <strong>exchange\u2011traded funds (ETFs)<\/strong> and <strong>mutual funds<\/strong>. Both pool money from many investors to buy a diversified basket of securities, but they differ in cost, structure, tax treatment, and flexibility.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETF Inflows:<\/strong> April\u202f2025 saw record ETF inflows of \u20b919,056\u202fcrore, pushing passive funds\u2019 AUM to \u20b911.91\u202flakh\u202fcrore .<br><\/li>\n\n\n\n<li><strong>Mutual Fund Growth:<\/strong> By May\u202f2025, the overall mutual fund industry\u2019s AUM surpassed \u20b972.20\u202flakh\u202fcrore, driven by a record \u20b926,688\u202fcrore in monthly SIP contributions .<br><\/li>\n<\/ul>\n\n\n\n<p>This blog unpacks the <strong>key differences<\/strong>, <strong>pros and cons<\/strong>, and practical <strong>when\u2011and\u2011how<\/strong> of choosing between ETFs and mutual funds in today\u2019s market.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. What Are ETFs and Mutual Funds?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.1 Mutual Funds<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Structure:<\/strong> Pooled investment vehicles managed by fund managers.<br><\/li>\n\n\n\n<li><strong>Pricing:<\/strong> Bought and redeemed directly with the fund house at <strong>net asset value (NAV)<\/strong>, calculated once per day after markets close.<br><\/li>\n\n\n\n<li><strong>Varieties:<\/strong> Active funds (manager picks stocks) and passive\/index funds (track a benchmark).<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.2 ETFs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Structure:<\/strong> Similar pooled vehicles but trade on stock exchanges like individual shares.<br><\/li>\n\n\n\n<li><strong>Pricing:<\/strong> Buy\/sell throughout the trading day at market prices, which can trade at a slight <strong>premium or discount<\/strong> to NAV.<br><\/li>\n\n\n\n<li><strong>Transparency:<\/strong> Holdings are published daily, offering clear visibility into underlying assets.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Cost Comparison: Expense Ratios and Beyond<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 Expense Ratios<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETFs:<\/strong> Among the lowest in India. Some flagship index\u2011tracking ETFs charge as little as <strong>0.05%\u20130.10%\u202fp.a.<\/strong>; debt or gold ETFs often under <strong>0.15%<\/strong>.<br><\/li>\n\n\n\n<li><strong>Mutual Funds:<\/strong> Active equity funds average <strong>1.5%\u20132.0%<\/strong>\u202fp.a.; direct plans reduce this by 0.5\u20130.75\u202fpercentage points. Even index mutual funds often sit around <strong>0.30%\u20130.60%<\/strong>\u202fp.a.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Brokerage and Transaction Costs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETFs:<\/strong> Pay brokerage and securities transaction tax (STT) on each buy\/sell. A typical flat brokerage of \u20b920\u2013\u20b950 per trade applies.<br><\/li>\n\n\n\n<li><strong>Mutual Funds:<\/strong> Zero brokerage; STT applies only on some redemption types.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Bottom Line:<\/strong> For <strong>large, infrequent investments<\/strong>, mutual funds may be cheaper overall. For <strong>small, regular trading<\/strong>, ETFs often win on lower annual fees.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Tax Treatment<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Equity\u2011Oriented Schemes (including Equity ETFs)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Short\u2011Term Capital Gains (STCG):<\/strong> 15% if held \u2264\u202f12\u202fmonths.<br><\/li>\n\n\n\n<li><strong>Long\u2011Term Capital Gains (LTCG):<\/strong> 10% on gains above \u20b91\u202flakh (no indexation) if held >\u202f12\u202fmonths.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Debt\u2011Oriented Schemes (including Debt ETFs)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>STCG:<\/strong> Taxed as per your income slab if held \u2264\u202f36\u202fmonths.<br><\/li>\n\n\n\n<li><strong>LTCG:<\/strong> Also slab\u2011rate, with <strong>no indexation benefit<\/strong> for investments made after April\u202f1,\u202f2023.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 Gold ETFs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>STCG:<\/strong> 20% if held \u2264\u202f12\u202fmonths.<br><\/li>\n\n\n\n<li><strong>LTCG:<\/strong> 12.5% with indexation if held >\u202f12\u202fmonths.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Key Takeaway:<\/strong> <strong>Tax treatment<\/strong> is identical for ETFs and mutual funds within each category\u2014so your choice won\u2019t affect taxes, only your holding horizon and redemption timing.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Liquidity &amp; Flexibility<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>ETFs<\/strong><\/td><td><strong>Mutual Funds<\/strong><\/td><\/tr><tr><td><strong>Trading Hours<\/strong><\/td><td>Intraday (9:15\u202fAM\u20133:30\u202fPM)<\/td><td>Once per day (close\u2011of\u2011day NAV)<\/td><\/tr><tr><td><strong>Minimum Investment<\/strong><\/td><td>1 share (\u20b9500\u2013\u20b91,000 typically)<\/td><td>As low as \u20b9100 per SIP; \u20b9500\u2013\u20b91,000 lump sum<\/td><\/tr><tr><td><strong>Liquidity<\/strong><\/td><td>Depends on trading volume; higher AUM ETFs trade tighter bid\u2011ask spreads .<\/td><td>Always redeemable from issuer at NAV<\/td><\/tr><tr><td><strong>Transparency<\/strong><\/td><td>Holdings published daily<\/td><td>Holdings disclosed fortnightly or monthly<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><strong>ETFs<\/strong> suit <strong>active traders<\/strong> and those wanting precise entry\/exit.<br><\/li>\n\n\n\n<li><strong>Mutual Funds<\/strong> are ideal for <strong>hands\u2011off, systematic investing<\/strong> via SIPs.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Performance &amp; Tracking Error<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETFs:<\/strong> Aim to track benchmarks closely, but can deviate by <strong>0.05%\u20130.20%<\/strong>\u202fp.a. (tracking error).<br><\/li>\n\n\n\n<li><strong>Index Mutual Funds:<\/strong> Similar tracking error, often slightly higher due to fund size and cash drag.<br><\/li>\n\n\n\n<li><strong>Active Mutual Funds:<\/strong> Potential to <strong>outperform<\/strong> benchmarks but at the cost of higher fees; only a minority consistently beat their peers over 5+\u202fyear periods.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Where Each Shines: Use Cases<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 When to Choose ETFs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cost-Sensitive Investors:<\/strong> Expense ratios under 0.1% matter over decades.<br><\/li>\n\n\n\n<li><strong>Tactical Trades:<\/strong> Rebalancing your asset mix intraday.<br><\/li>\n\n\n\n<li><strong>Access to Niche Segments:<\/strong> Commodity ETFs (gold, oil) or sectoral indices with liquidity.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 When to Choose Mutual Funds<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Systematic Investors:<\/strong> Automated SIPs with auto\u2011debit facilities.<br><\/li>\n\n\n\n<li><strong>Active Management Fans:<\/strong> Belief that managers can weather volatile markets.<br><\/li>\n\n\n\n<li><strong>Smaller Ticket Sizes:<\/strong> SIPs from \u20b9100\/month avoid brokerage overhead.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. The 2025 Market Context<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETF Popularity:<\/strong> ETFs saw their <strong>54th consecutive month<\/strong> of net inflows in April, highlighting growing retail trust in passive strategies .<br><\/li>\n\n\n\n<li><strong>Mutual Fund Resilience:<\/strong> Despite some equity outflows, <strong>SIP contributions hit a record \u20b926,688\u202fcrore<\/strong> in May, underscoring disciplined investing.<br><\/li>\n\n\n\n<li><strong>Gold\u2019s Role:<\/strong> Gold ETFs\u2019 AUM jumped 27% in Gujarat from January to April, as investors hedge geopolitical risks and inflation .<br><\/li>\n<\/ul>\n\n\n\n<p>These trends show both ETFs and mutual funds thriving\u2014your choice depends on <strong>style<\/strong>, <strong>horizon<\/strong>, and <strong>cost priorities<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8. Practical Steps to Invest<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.1 Investing in ETFs<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Open a Demat\u202f&amp; Trading Account:<\/strong> With any broker (e.g., Zerodha, Upstox).<br><\/li>\n\n\n\n<li><strong>Search the ETF Symbol:<\/strong> For instance, NIFTY\u202fBEES (a Nifty\u202f50 ETF) or BHARAT\u202fBond\u202fETF.<br><\/li>\n\n\n\n<li><strong>Place an Order:<\/strong> At market or limit price during trading hours.<br><\/li>\n\n\n\n<li><strong>Monitor Your Holdings:<\/strong> Use your broker\u2019s portfolio tracker.<br><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.2 Investing in Mutual Funds<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Use an\u202fAMFI\u2011Registered Platform:<\/strong> CAMS, KFintech, or apps like Groww, Zerodha Coin.<br><\/li>\n\n\n\n<li><strong>Select Direct Plans for Lower Fees:<\/strong> Enter the \u201cdirect\u201d option.<br><\/li>\n\n\n\n<li><strong>Set Up a SIP or Lump Sum:<\/strong> Choose amount and date; auto\u2011debit saves time.<br><\/li>\n\n\n\n<li><strong>Track via NAV or App Dashboard:<\/strong> No intraday volatility to worry about.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. How to Pick the Right Fund or ETF<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Criterion<\/strong><\/td><td><strong>ETFs<\/strong><\/td><td><strong>Mutual Funds<\/strong><\/td><\/tr><tr><td><strong>AUM &amp; Liquidity<\/strong><\/td><td>AUM &gt; \u20b91,000\u202fcrore, tight spreads<\/td><td>AUM &gt; \u20b9500\u202fcrore, steady SIP inflows<\/td><\/tr><tr><td><strong>Expense Ratio<\/strong><\/td><td>Lowest available<\/td><td>Compare direct vs regular plans<\/td><\/tr><tr><td><strong>Tracking Error (Passive)<\/strong><\/td><td>&lt;\u202f0.2%\u202fp.a.<\/td><td>&lt;\u202f0.3%\u202fp.a.<\/td><\/tr><tr><td><strong>Fund House Reputation<\/strong><\/td><td>AMFI\u2010registered, active market maker support<\/td><td>Consistent performance &amp; risk metrics<\/td><\/tr><tr><td><strong>Tax &amp; Holding Period<\/strong><\/td><td>Match your investment horizon<\/td><td>Same category tax rules apply<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>10. Common Pitfalls to Avoid<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Overtrading ETFs:<\/strong> Frequent buys\/sells rack up brokerage.<br><\/li>\n\n\n\n<li><strong>Chasing Hot Managers:<\/strong> Recent top mutual fund performance may not repeat.<br><\/li>\n\n\n\n<li><strong>Ignoring Bid\u2011Ask Spread:<\/strong> A 0.5% spread erases several years of expense savings.<br><\/li>\n\n\n\n<li><strong>Neglecting Portfolio Fit:<\/strong> Both tools must align with your overall asset allocation.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>In 2025, <strong>ETFs<\/strong> and <strong>mutual funds<\/strong> each have distinct strengths:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETFs<\/strong> for cost\u2011conscious, flexible, intraday access to indices and niche exposures.<br><\/li>\n\n\n\n<li><strong>Mutual Funds<\/strong> for disciplined SIPs, active management, and small ticket investing.<br><\/li>\n<\/ul>\n\n\n\n<p>Both saw blockbuster inflows\u2014\u20b919,056\u202fcrore into ETFs in April and a record \u20b926,688\u202fcrore SIP run in May\u2014reflecting investor enthusiasm. Ultimately, your choice hinges on:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Investment Horizon:<\/strong> Short\u2011term trading or long\u2011term wealth building?<br><\/li>\n\n\n\n<li><strong>Cost Sensitivity:<\/strong> Does a 1% vs. 0.1% fee make a difference over 10 years?<br><\/li>\n\n\n\n<li><strong>Convenience Needs:<\/strong> Intraday flexibility or hands\u2011off SIP automation?<br><\/li>\n<\/ol>\n\n\n\n<p>By weighing these factors\u2014and using the step\u2011by\u2011step guides above\u2014you can confidently allocate the right mix of ETFs and mutual funds to reach your 2025 goals and beyond.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In 2025, Indian investors face a choice between two popular routes to participate in capital markets: exchange\u2011traded funds (ETFs) and mutual funds. Both pool money from many investors to buy a diversified basket of securities, but they differ in cost, structure, tax treatment, and flexibility. This blog unpacks the key differences, pros and cons, and practical when\u2011and\u2011how of choosing between ETFs and mutual funds in today\u2019s market. 1. What Are ETFs and Mutual Funds? 1.1 Mutual Funds 1.2 ETFs 2. Cost Comparison: Expense Ratios and Beyond 2.1 Expense Ratios 2.2 Brokerage and Transaction Costs Bottom Line: For large, infrequent investments, mutual funds may be cheaper overall. For small, regular trading, ETFs often win on lower annual fees. 3. Tax Treatment 3.1 Equity\u2011Oriented Schemes (including Equity ETFs) 3.2 Debt\u2011Oriented Schemes (including Debt ETFs) 3.3 Gold ETFs Key Takeaway: Tax treatment is identical for ETFs and mutual funds within each category\u2014so your choice won\u2019t affect taxes, only your holding horizon and redemption timing. 4. Liquidity &amp; Flexibility Feature ETFs Mutual Funds Trading Hours Intraday (9:15\u202fAM\u20133:30\u202fPM) Once per day (close\u2011of\u2011day NAV) Minimum Investment 1 share (\u20b9500\u2013\u20b91,000 typically) As low as \u20b9100 per SIP; \u20b9500\u2013\u20b91,000 lump sum Liquidity Depends on trading volume; higher AUM ETFs trade tighter bid\u2011ask spreads . Always redeemable from issuer at NAV Transparency Holdings published daily Holdings disclosed fortnightly or monthly 5. Performance &amp; Tracking Error 6. Where Each Shines: Use Cases 6.1 When to Choose ETFs 6.2 When to Choose Mutual Funds 7. The 2025 Market Context These trends show both ETFs and mutual funds thriving\u2014your choice depends on style, horizon, and cost priorities. 8. Practical Steps to Invest 8.1 Investing in ETFs 8.2 Investing in Mutual Funds 9. How to Pick the Right Fund or ETF Criterion ETFs Mutual Funds AUM &amp; Liquidity AUM &gt; \u20b91,000\u202fcrore, tight spreads AUM &gt; \u20b9500\u202fcrore, steady SIP inflows Expense Ratio Lowest available Compare direct vs regular plans Tracking Error (Passive) &lt;\u202f0.2%\u202fp.a. &lt;\u202f0.3%\u202fp.a. Fund House Reputation AMFI\u2010registered, active market maker support Consistent performance &amp; risk metrics Tax &amp; Holding Period Match your investment horizon Same category tax rules apply 10. Common Pitfalls to Avoid Conclusion In 2025, ETFs and mutual funds each have distinct strengths: Both saw blockbuster inflows\u2014\u20b919,056\u202fcrore into ETFs in April and a record \u20b926,688\u202fcrore SIP run in May\u2014reflecting investor enthusiasm. Ultimately, your choice hinges on: By weighing these factors\u2014and using the step\u2011by\u2011step guides above\u2014you can confidently allocate the right mix of ETFs and mutual funds to reach your 2025 goals and beyond. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1123","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1123","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1123"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1123\/revisions"}],"predecessor-version":[{"id":1137,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1123\/revisions\/1137"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}