{"id":1148,"date":"2025-06-24T16:08:20","date_gmt":"2025-06-24T16:08:20","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1148"},"modified":"2025-06-23T12:37:52","modified_gmt":"2025-06-23T12:37:52","slug":"all-investment-options-explained","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/all-investment-options-explained\/","title":{"rendered":"All Investment Options Explained"},"content":{"rendered":"\n<p>Investing can feel like a maze of confusing jargon\u2014mutual funds, bonds, gold ETFs, crypto\u2026 Where do you even start? In 2025, Indian investors are spoiled for choice: total mutual fund AUM has crossed <strong>\u20b972.2\u202flakh\u202fcrore<\/strong>, with SIP inflows hitting a record <strong>\u20b926,688\u202fcrore<\/strong> in May alone. Yet bank fixed\u2011deposit (FD) rates have dipped to <strong>6\u20136.5%<\/strong>, and PPF remains steady at <strong>7.1%<\/strong>\u202fp.a.<\/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. Bank Fixed Deposits &amp; Small Savings<\/strong><\/h2>\n\n\n\n<p><strong>What They Are:<\/strong> You lend money to a bank or Post Office for a fixed term, and they pay you interest.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FD Rates:<\/strong> General citizens earn up to <strong>6.5%<\/strong>\u202fp.a. on one\u2011year FDs; senior citizens slightly higher.<br><\/li>\n\n\n\n<li><strong>Small Savings Schemes:<\/strong> Post Office 5\u2011year Time Deposits yield <strong>7.5%<\/strong>, NSC <strong>7.7%<\/strong>, Senior Citizen Savings Scheme <strong>8.2%<\/strong>.<br><\/li>\n\n\n\n<li><strong>Pros:<\/strong> Capital\u2011safe, predictable returns, easy to understand.<br><\/li>\n\n\n\n<li><strong>Cons:<\/strong> Returns often below inflation; tax on interest at slab rate.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Who It\u2019s For:<\/strong> Conservative savers needing guaranteed returns and no surprises.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Public Provident Fund (PPF)<\/strong><\/h2>\n\n\n\n<p><strong>What It Is:<\/strong> A government\u2011backed retirement\u2011focused account. You invest up to \u20b91.5\u202flakh per year, and the government credits interest annually.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Current Rate:<\/strong> <strong>7.1%<\/strong>\u202fp.a., compounded yearly.<br><\/li>\n\n\n\n<li><strong>Lock\u2011in:<\/strong> 15\u202fyears (partial withdrawals allowed after year\u202f6).<br><\/li>\n\n\n\n<li><strong>Pros:<\/strong> Tax\u2011free on deposits, interest, and maturity; sovereign guarantee.<br><\/li>\n\n\n\n<li><strong>Cons:<\/strong> Long lock\u2011in, upfront commitment needed.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Who It\u2019s For:<\/strong> Long\u2011term planners building a tax\u2011efficient retirement corpus.<\/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. National Pension System (NPS)<\/strong><\/h2>\n\n\n\n<p><strong>What It Is:<\/strong> A voluntary retirement scheme mixing equity (up to 75%) and bonds.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tax Benefits:<\/strong> Additional \u20b950,000 deduction under Section\u202f80CCD(1B).<br><\/li>\n\n\n\n<li><strong>Returns:<\/strong> Market\u2011linked; historic blends deliver <strong>8\u201310%<\/strong>\u202fp.a. over long term.<br><\/li>\n\n\n\n<li><strong>Pros:<\/strong> Low fund management fees, flexible asset allocation, partial withdrawals allowed.<br><\/li>\n\n\n\n<li><strong>Cons:<\/strong> Locked until age\u202f60 (partial lump sum allowed), annuity required for a portion.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Who It\u2019s For:<\/strong> Retirement\u2011focused investors wanting equity exposure with tax breaks.<\/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. Mutual Funds<\/strong><\/h2>\n\n\n\n<p>Pooled investments run by professionals. You pick a fund, and experts pick assets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Equity Funds<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What:<\/strong> Invest mainly in stocks.<br><\/li>\n\n\n\n<li><strong>Returns:<\/strong> Historically <strong>12\u201315%<\/strong>\u202fp.a. over 10+ years.<br><\/li>\n\n\n\n<li><strong>Risk:<\/strong> Volatile in the short term.<br><\/li>\n\n\n\n<li><strong>Who:<\/strong> Long\u2011term growth seekers (5+\u202fyears).<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Debt Funds<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What:<\/strong> Corporate bonds, government securities.<br><\/li>\n\n\n\n<li><strong>Yields:<\/strong> <strong>7\u20138%<\/strong>\u202fp.a. for short\u2011duration funds.<br><\/li>\n\n\n\n<li><strong>Risk:<\/strong> Sensitive to interest\u2011rate moves but less volatile than equity.<br><\/li>\n\n\n\n<li><strong>Who:<\/strong> Income\u2011seekers and portfolio balancers.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Hybrid Funds<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What:<\/strong> Mix of equity and debt (e.g., 65% equity\/35% debt).<br><\/li>\n\n\n\n<li><strong>Benefit:<\/strong> Built\u2011in diversification cushions swings in stocks.<br><\/li>\n\n\n\n<li><strong>Who:<\/strong> Moderately conservative investors wanting growth and stability.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Key Tip:<\/strong> Use <strong>Systematic Investment Plans (SIPs)<\/strong> to invest fixed amounts monthly\u2014you\u2019ll buy more units when NAVs dip and fewer when they rise.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Exchange\u2011Traded Funds (ETFs)<\/strong><\/h2>\n\n\n\n<p><strong>What They Are:<\/strong> Like mutual funds but trade on the stock exchange.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Expense Ratios:<\/strong> Ultra\u2011low\u2014<strong>0.05\u20130.10%<\/strong>\u202fp.a. for index ETFs.<br><\/li>\n\n\n\n<li><strong>Flexibility:<\/strong> Buy\/sell any time during market hours.<br><\/li>\n\n\n\n<li><strong>Who:<\/strong> Cost\u2011sensitive DIY investors and traders.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Popular ETFs:<\/strong> Nifty\u202f50 Bees, Bharat Bond ETF (for corporate bonds), gold ETFs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Direct Equity (Stocks)<\/strong><\/h2>\n\n\n\n<p><strong>What It Is:<\/strong> Buying shares of individual companies.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Return Potential:<\/strong> Highest long\u2011term upside but also highest risk.<br><\/li>\n\n\n\n<li><strong>Skill Needed:<\/strong> Fundamental or technical analysis, staying informed.<br><\/li>\n\n\n\n<li><strong>Who:<\/strong> Experienced investors with a high risk appetite and time to research.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Tip:<\/strong> Limit direct equity to <strong>20\u201330%<\/strong> of your portfolio unless you\u2019re a professional.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Bonds &amp; Corporate Debt<\/strong><\/h2>\n\n\n\n<p><strong>What They Are:<\/strong> You lend money to governments or companies in exchange for fixed interest.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Government Bonds:<\/strong> Very safe; yields about <strong>7%<\/strong>\u202fp.a. for 10\u2011year paper.<br><\/li>\n\n\n\n<li><strong>Corporate Bonds:<\/strong> Riskier, yield up to <strong>8\u20139%<\/strong>\u202fp.a. for high\u2011grade AAA issuers.<br><\/li>\n\n\n\n<li><strong>Who:<\/strong> Income\u2011seekers willing to ladder maturities for better control.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Buying:<\/strong> Via mutual funds, ETFs, or your broker\u2019s bond platform.<\/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. Gold<\/strong><\/h2>\n\n\n\n<p>A traditional safe haven\u2014often rallies when stocks tumble.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Physical:<\/strong> Bars\/coins; requires secure storage and making charges.<br><\/li>\n\n\n\n<li><strong>Sovereign Gold Bonds (SGBs):<\/strong> Pay <strong>2.5%<\/strong>\u202fp.a. interest plus gold price gains.<br><\/li>\n\n\n\n<li><strong>Gold ETFs:<\/strong> Trade like stocks; expense ratios ~0.15%\u202fp.a.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Allocation:<\/strong> Aim for <strong>5\u201310%<\/strong> of your portfolio for crisis protection .<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Real Estate &amp; REITs<\/strong><\/h2>\n\n\n\n<p><strong>Real Estate:<\/strong> Direct property ownership for rental income and appreciation. Average residential rental yields are <strong>3\u20134%<\/strong>, with top cities like Ahmedabad hitting <strong>4.2%<\/strong> in Q1\u202f2025.<\/p>\n\n\n\n<p><strong>REITs (Real Estate Investment Trusts):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Trade like stocks, invest in commercial properties.<br><\/li>\n\n\n\n<li>Offer <strong>6\u20138%<\/strong> rental yields plus capital gains.<br><\/li>\n\n\n\n<li>Highly liquid compared to owning bricks and mortar.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Who:<\/strong> Investors seeking diversification and inflation hedging.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>10. Alternative Assets<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10.1 Peer\u2011to\u2011Peer (P2P) Lending<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Platform lending to individuals or small businesses.<br><\/li>\n\n\n\n<li>Yields <strong>10\u201318%<\/strong>\u202fp.a., but higher default risk.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10.2 Unit\u2011Linked Insurance Plans (ULIPs)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Combine insurance with investment.<br><\/li>\n\n\n\n<li>High charges\u2014avoid if you only want investing.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10.3 Cryptocurrencies<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Extremely volatile; treat as <strong>1\u20135%<\/strong> allocation for high\u2011risk seekers.<br><\/li>\n\n\n\n<li>Ensure you\u2019re on a regulated exchange and understand tax implications.<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>Building Your Portfolio<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Assess Your Goals &amp; Horizon:<\/strong> Short\u2011term (\u2264\u202f3\u202fyears) vs. long\u2011term (>\u202f5\u202fyears).<br><\/li>\n\n\n\n<li><strong>Determine Risk Appetite:<\/strong> Conservative, balanced, or aggressive.<br><\/li>\n\n\n\n<li><strong>Allocate Across Assets:<\/strong> Use the \u201c100 minus age\u201d rule for equity percentage, then split among funds, ETFs, and direct stocks.<br><\/li>\n\n\n\n<li><strong>Diversify Geographically:<\/strong> Add <strong>10\u201315%<\/strong> in global funds to reduce India\u2011specific risk.<br><\/li>\n\n\n\n<li><strong>Review &amp; Rebalance:<\/strong> Quarterly check\u2011ins to bring allocations back to target.<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>Conclusion<\/strong><\/h2>\n\n\n\n<p>From <strong>FDs<\/strong> and <strong>PPF<\/strong> for guaranteed returns, through <strong>mutual funds<\/strong> and <strong>ETFs<\/strong> for growth, to <strong>gold<\/strong>, <strong>real estate<\/strong>, and even <strong>crypto<\/strong> for diversification\u2014India\u2019s 2025 investment landscape offers something for every goal and risk\u2011profile.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conservative?<\/strong> Stick to FDs, small savings, debt funds, and PPF.<br><\/li>\n\n\n\n<li><strong>Balanced?<\/strong> Blend hybrid funds, gold, and short\u2011duration debt.<br><\/li>\n\n\n\n<li><strong>Aggressive?<\/strong> Lean on equity funds, direct stocks, and a small crypto\/real\u2011estate tilt.<br><\/li>\n<\/ul>\n\n\n\n<p>By understanding each option in simple terms\u2014rates, risks, and rewards\u2014you\u2019ll craft a portfolio that feels as comfortable as it is powerful. Now go ahead: pick the mix that fits your life, set up your investments, and watch your money work for you.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investing can feel like a maze of confusing jargon\u2014mutual funds, bonds, gold ETFs, crypto\u2026 Where do you even start? In 2025, Indian investors are spoiled for choice: total mutual fund AUM has crossed \u20b972.2\u202flakh\u202fcrore, with SIP inflows hitting a record \u20b926,688\u202fcrore in May alone. Yet bank fixed\u2011deposit (FD) rates have dipped to 6\u20136.5%, and PPF remains steady at 7.1%\u202fp.a. 1. Bank Fixed Deposits &amp; Small Savings What They Are: You lend money to a bank or Post Office for a fixed term, and they pay you interest. Who It\u2019s For: Conservative savers needing guaranteed returns and no surprises. 2. Public Provident Fund (PPF) What It Is: A government\u2011backed retirement\u2011focused account. You invest up to \u20b91.5\u202flakh per year, and the government credits interest annually. Who It\u2019s For: Long\u2011term planners building a tax\u2011efficient retirement corpus. 3. National Pension System (NPS) What It Is: A voluntary retirement scheme mixing equity (up to 75%) and bonds. Who It\u2019s For: Retirement\u2011focused investors wanting equity exposure with tax breaks. 4. Mutual Funds Pooled investments run by professionals. You pick a fund, and experts pick assets. 4.1 Equity Funds 4.2 Debt Funds 4.3 Hybrid Funds Key Tip: Use Systematic Investment Plans (SIPs) to invest fixed amounts monthly\u2014you\u2019ll buy more units when NAVs dip and fewer when they rise. 5. Exchange\u2011Traded Funds (ETFs) What They Are: Like mutual funds but trade on the stock exchange. Popular ETFs: Nifty\u202f50 Bees, Bharat Bond ETF (for corporate bonds), gold ETFs. 6. Direct Equity (Stocks) What It Is: Buying shares of individual companies. Tip: Limit direct equity to 20\u201330% of your portfolio unless you\u2019re a professional. 7. Bonds &amp; Corporate Debt What They Are: You lend money to governments or companies in exchange for fixed interest. Buying: Via mutual funds, ETFs, or your broker\u2019s bond platform. 8. Gold A traditional safe haven\u2014often rallies when stocks tumble. Allocation: Aim for 5\u201310% of your portfolio for crisis protection . 9. Real Estate &amp; REITs Real Estate: Direct property ownership for rental income and appreciation. Average residential rental yields are 3\u20134%, with top cities like Ahmedabad hitting 4.2% in Q1\u202f2025. REITs (Real Estate Investment Trusts): Who: Investors seeking diversification and inflation hedging. 10. Alternative Assets 10.1 Peer\u2011to\u2011Peer (P2P) Lending 10.2 Unit\u2011Linked Insurance Plans (ULIPs) 10.3 Cryptocurrencies Building Your Portfolio Conclusion From FDs and PPF for guaranteed returns, through mutual funds and ETFs for growth, to gold, real estate, and even crypto for diversification\u2014India\u2019s 2025 investment landscape offers something for every goal and risk\u2011profile. By understanding each option in simple terms\u2014rates, risks, and rewards\u2014you\u2019ll craft a portfolio that feels as comfortable as it is powerful. Now go ahead: pick the mix that fits your life, set up your investments, and watch your money work for you. 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-1148","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1148","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=1148"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1148\/revisions"}],"predecessor-version":[{"id":1158,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1148\/revisions\/1158"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}