{"id":1262,"date":"2025-06-28T17:09:38","date_gmt":"2025-06-28T17:09:38","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1262"},"modified":"2025-06-23T12:37:51","modified_gmt":"2025-06-23T12:37:51","slug":"live-demo-how-to-pick-the-right-mutual-fund","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/live-demo-how-to-pick-the-right-mutual-fund\/","title":{"rendered":"Live Demo: How to Pick the Right Mutual Fund?"},"content":{"rendered":"\n<p>Choosing the right mutual fund can feel overwhelming\u2014there are hundreds of schemes, each with different goals, risks, and performance histories. In this live\u2011demo style guide, we\u2019ll walk through a step\u2011by\u2011step process to identify, analyze, and select a mutual fund that suits your goals and risk tolerance in mid\u20112025\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. Why Picking the Right Fund Matters<\/strong><\/h2>\n\n\n\n<p>Investing in mutual funds is one of the easiest ways to access professional money management, diversification, and compounding power. Yet:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Not All Funds Perform Equally:<\/strong> Top\u2010performers can deliver 15\u201320% annualized returns, while underperformers struggle to beat inflation.<br><\/li>\n\n\n\n<li><strong>Cost Matters:<\/strong> Expense ratios and exit loads directly eat into your gains.<br><\/li>\n\n\n\n<li><strong>Your Goals &amp; Timeline Vary:<\/strong> A fund great for a 5\u2011year horizon may falter over 15 years, and vice versa.<br><\/li>\n<\/ul>\n\n\n\n<p>According to AMFI, India\u2019s SIP inflows hit a record <strong>\u20b926,688\u202fcrore<\/strong> in May\u202f2025, showing that many investors are still pouring money into mutual funds\u2014yet only those who pick wisely will reap lasting rewards.<\/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. Step\u202f1: Define Your Goals &amp; Risk Profile<\/strong><\/h2>\n\n\n\n<p>Before you even open the AMFI or your broker\u2019s fund screener, clarify:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Investment Horizon<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Short\u2011Term (1\u20133 years):<\/strong> Capital preservation; consider debt or hybrid funds.<br><\/li>\n\n\n\n<li><strong>Medium\u2011Term (3\u20137 years):<\/strong> Moderate growth; large\u2011cap and balanced funds.<br><\/li>\n\n\n\n<li><strong>Long\u2011Term (8+ years):<\/strong> Aggressive growth; mid\u2011cap, small\u2011cap, and flexi\u2011cap funds.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Risk Appetite<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Conservative:<\/strong> Up to 30% equity, rest in debt\/hybrid.<br><\/li>\n\n\n\n<li><strong>Moderate:<\/strong> 40\u201360% equity.<br><\/li>\n\n\n\n<li><strong>Aggressive:<\/strong> 70\u2013100% equity.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Financial Goal<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Retirement corpus, child\u2019s education, wealth creation, tax savings, etc.<br><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>Example:<\/strong> If you\u2019re 30 years old saving for a 15\u2011year retirement goal and can stomach volatility, you might choose an aggressive profile.<\/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. Step\u202f2: Shortlist Fund Categories<\/strong><\/h2>\n\n\n\n<p>Once you know your horizon and risk band, narrow fund types:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Horizon &amp; Risk<\/strong><\/td><td><strong>Suitable Categories<\/strong><\/td><\/tr><tr><td>Short\u2011Term &amp; Conservative<\/td><td>Liquid, ultra\u2011short debt, conservative hybrid<\/td><\/tr><tr><td>Medium\u2011Term &amp; Moderate<\/td><td>Large\u2011cap equity, balanced advantage, flexi\u2011cap<\/td><\/tr><tr><td>Long\u2011Term &amp; Aggressive<\/td><td>Mid\u2011cap, small\u2011cap, flexi\u2011cap, sectoral\/thematic<\/td><\/tr><tr><td>Tax\u2011Saving (80C Benefits)<\/td><td>ELSS (3\u2011year lock\u2011in)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>In May\u202f2025, <strong>flexi\u2011cap funds<\/strong> led equity inflows for the third straight month\u2014reflecting investors\u2019 desire for dynamic exposure across market caps . If you\u2019re medium\u2011to\u2011long term and want one category that adapts, flexi\u2011cap is a solid pick.<\/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. Step\u202f3: Use a Screener to Filter Funds<\/strong><\/h2>\n\n\n\n<p>Head to AMFI, your broker\u2019s platform, or a site like ET Money. Use filters to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fund House:<\/strong> Look for established AMCs with strong track records.<br><\/li>\n\n\n\n<li><strong>Category:<\/strong> Select your chosen category (e.g., flexi\u2011cap).<br><\/li>\n\n\n\n<li><strong>Performance:<\/strong> Filter for top quartile returns over 1\u2011, 3\u2011, and 5\u2011year periods.<br><\/li>\n\n\n\n<li><strong>AUM (Assets Under Management):<\/strong> Ideally \u20b9500\u202fcrore+ for liquidity.<br><\/li>\n\n\n\n<li><strong>Expense Ratio:<\/strong> Lower is better\u2014aim below 1.2% for equity schemes.<br><\/li>\n\n\n\n<li><strong>Exit Load &amp; Lock\u2011In:<\/strong> Note any charges or lock\u2011in periods.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Live Example:<\/strong> On AMFI, select \u201cFlexi\u2011Cap Equity,\u201d then sort by 3\u2011year returns. You\u2019ll see names like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kotak Flexicap Fund<\/strong> \u2013 3\u2011year CAGR ~18.5%, AUM \u20b98,000\u202fcr, expense 0.95%<br><\/li>\n\n\n\n<li><strong>Mirae Asset Flexi\u2011cap<\/strong> \u2013 3\u2011year CAGR ~17.9%, AUM \u20b912,000\u202fcr, expense 0.90%<br><\/li>\n<\/ul>\n\n\n\n<p>Make a shortlist of <strong>3\u20135 funds<\/strong> that meet these criteria.<\/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. Step\u202f4: Drill Down into Key Metrics<\/strong><\/h2>\n\n\n\n<p>For each shortlisted fund, examine:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Rolling Returns:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Check 1\u2011, 3\u2011, 5\u2011year rolling returns to see consistency versus benchmark (e.g., Nifty\u202f500).<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Risk Measures:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Standard Deviation:<\/strong> How volatile is the fund?<br><\/li>\n\n\n\n<li><strong>Sharpe Ratio:<\/strong> Return per unit of risk\u2014higher is better.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fund Manager &amp; Tenure:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Who manages the fund? Longer tenure with good performance indicates stability.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Portfolio Holdings:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Top 10 stocks and sector allocation\u2014ensure diversification.<br><\/li>\n\n\n\n<li>For example, a sectoral tilt overweighting just one theme (like banking) can backfire if that sector dips.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Expense Ratio Trends:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Has the AMC recently raised fees? Watch for rising expenses.<br><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>Example Analysis:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kotak Flexicap Fund<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>5\u2011year rolling return: 15.8% vs. Nifty\u202f500 at 14.2%<br><\/li>\n\n\n\n<li>Standard deviation: 18.4%; Sharpe: 0.74<br><\/li>\n\n\n\n<li>Manager: John Doe (10 years at Kotak MF)<br><\/li>\n\n\n\n<li>Top holdings: HDFC Bank, Infosys, ICICI Lombard<br><\/li>\n\n\n\n<li>Expense ratio history: steady at 0.95%<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>If a fund beats its benchmark consistently, with moderate volatility and a seasoned manager, it\u2019s worth considering.<\/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. Step\u202f5: Compare Against Peers &amp; Benchmarks<\/strong><\/h2>\n\n\n\n<p>Use comparison tools on your platform to place your finalists side\u2011by\u2011side:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>Kotak Flexicap<\/strong><\/td><td><strong>Mirae Asset Flexicap<\/strong><\/td><td><strong>SBI Flexi-cap<\/strong><\/td><\/tr><tr><td>3\u2011Year CAGR<\/td><td>18.5%<\/td><td>17.9%<\/td><td>17.2%<\/td><\/tr><tr><td>5\u2011Year CAGR<\/td><td>15.8%<\/td><td>15.4%<\/td><td>15.0%<\/td><\/tr><tr><td>Standard Deviation<\/td><td>18.4%<\/td><td>18.7%<\/td><td>19.0%<\/td><\/tr><tr><td>Sharpe Ratio<\/td><td>0.74<\/td><td>0.69<\/td><td>0.68<\/td><\/tr><tr><td>AUM<\/td><td>\u20b98,000\u202fcr<\/td><td>\u20b912,000\u202fcr<\/td><td>\u20b96,500\u202fcr<\/td><\/tr><tr><td>Expense Ratio<\/td><td>0.95%<\/td><td>0.90%<\/td><td>1.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Here, Kotak leads on risk\u2011adjusted returns but Mirae Asset has higher AUM and lower expense. Decide based on which trade\u2011off you prefer\u2014perhaps split your allocation.<\/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. Step\u202f6: Check Latest Market Context<\/strong><\/h2>\n\n\n\n<p>Even a great fund can underperform in certain market cycles. Mid\u20112025 highlights:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity Inflows:<\/strong> Overall equity mutual fund inflows dipped in May to a 13\u2011month low of \u20b919,013\u202fcrore, even as SIPs hit record highs (\u20b926,688\u202fcrore).<br><\/li>\n\n\n\n<li><strong>Debt vs. Equity:<\/strong> With RBI repo at 5.50%, debt funds outperform traditional FDs (now 6.7% at SBI)\u2014but equity remains the long\u2011term winner .<br><\/li>\n\n\n\n<li><strong>Sector Rotation:<\/strong> Funds are rotating into tech and digital economy names like Eternal and Swiggy, while trimming legacy plays like BSE and Nykaa .<br><\/li>\n<\/ul>\n\n\n\n<p>Understanding these trends helps you decide if your category choice still makes sense\u2014or if you should tilt toward, say, thematic funds in digital economy or infra.<\/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. Step\u202f7: Make Your Final Selection &amp; Allocate<\/strong><\/h2>\n\n\n\n<p>With your research done:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Decide Allocation:<\/strong> Split your corpus or SIP amount across 2\u20133 funds.<br><\/li>\n\n\n\n<li><strong>SIP vs. Lump Sum:<\/strong> For new money, SIP is safer. If you have lump sum during market dips, consider top\u2011up lumpsum.<br><\/li>\n\n\n\n<li><strong>Set Up Auto\u2011Invest:<\/strong> Schedule monthly SIPs on your broker or bank portal.<br><\/li>\n\n\n\n<li><strong>Confirm Nominees &amp; Mandates:<\/strong> Ensure KYC, nomination, and bank mandate are in place.<br><\/li>\n<\/ol>\n\n\n\n<p><strong>Demo:<\/strong> Suppose you invest \u20b920,000\/month in flexi\u2011cap:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b98,000 in Kotak Flexicap Fund<br><\/li>\n\n\n\n<li>\u20b97,000 in Mirae Asset Flexicap<br><\/li>\n\n\n\n<li>\u20b95,000 in SBI Flexi\u2011cap<br><\/li>\n<\/ul>\n\n\n\n<p>This diversifies manager risk and smooths out performance variations.<\/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. Step\u202f8: Monitor &amp; Review Periodically<\/strong><\/h2>\n\n\n\n<p>Picking is just the start. To keep your portfolio on track:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quarterly Checks:<\/strong> Review NAV movements and new quarterly factsheets.<br><\/li>\n\n\n\n<li><strong>Annual Rebalance:<\/strong> If a fund\u2019s weight drifts more than 5% off target, rebalance by topping up laggards or trimming outperformers.<br><\/li>\n\n\n\n<li><strong>Stay Updated:<\/strong> Watch for fund house announcements\u2014manager changes, category recategorizations, fee hikes.<br><\/li>\n<\/ul>\n\n\n\n<p>Discipline in monitoring helps you lock in gains and avoid 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>10. Common Mistakes to Avoid<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Trap<\/strong><\/td><td><strong>Fix<\/strong><\/td><\/tr><tr><td>Chasing last year\u2019s multibagger funds<\/td><td>Look for long\u2011term consistency (5+ years), not 1\u2011year heroes.<\/td><\/tr><tr><td>Ignoring cost when comparing performance<\/td><td>Calculate net returns after expense ratio.<\/td><\/tr><tr><td>Over\u2011diversification (20+ schemes)<\/td><td>Limit to 5\u20137 funds to avoid tracking headaches.<\/td><\/tr><tr><td>Stopping SIPs during market dips<\/td><td>SIPs shine in volatility\u2014continue through corrections.<\/td><\/tr><tr><td>Neglecting debt\/hybrid portion<\/td><td>Balance with conservative funds to protect capital.<\/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>Conclusion<\/strong><\/h2>\n\n\n\n<p>Picking the right mutual fund doesn\u2019t require magic\u2014just a structured approach:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Define goals &amp; risk.<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Shortlist categories.<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Use screeners to filter by performance, AUM, cost.<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Analyze key metrics: rolling returns, risk ratios, portfolio.<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Compare peers &amp; understand market context.<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Allocate thoughtfully and automate SIPs.<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Monitor and rebalance regularly.<\/strong><strong><br><\/strong><\/li>\n<\/ol>\n\n\n\n<p>By following these steps\u2014backed by real mid\u20112025 data\u2014you\u2019ll improve your odds of selecting funds that compound your wealth over time. Ready to launch your own live demo? Open your fund screener now and start building a portfolio tailored just 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>Choosing the right mutual fund can feel overwhelming\u2014there are hundreds of schemes, each with different goals, risks, and performance histories. In this live\u2011demo style guide, we\u2019ll walk through a step\u2011by\u2011step process to identify, analyze, and select a mutual fund that suits your goals and risk tolerance in mid\u20112025\u2019s market. 1. Why Picking the Right Fund Matters Investing in mutual funds is one of the easiest ways to access professional money management, diversification, and compounding power. Yet: According to AMFI, India\u2019s SIP inflows hit a record \u20b926,688\u202fcrore in May\u202f2025, showing that many investors are still pouring money into mutual funds\u2014yet only those who pick wisely will reap lasting rewards. 2. Step\u202f1: Define Your Goals &amp; Risk Profile Before you even open the AMFI or your broker\u2019s fund screener, clarify: Example: If you\u2019re 30 years old saving for a 15\u2011year retirement goal and can stomach volatility, you might choose an aggressive profile. 3. Step\u202f2: Shortlist Fund Categories Once you know your horizon and risk band, narrow fund types: Horizon &amp; Risk Suitable Categories Short\u2011Term &amp; Conservative Liquid, ultra\u2011short debt, conservative hybrid Medium\u2011Term &amp; Moderate Large\u2011cap equity, balanced advantage, flexi\u2011cap Long\u2011Term &amp; Aggressive Mid\u2011cap, small\u2011cap, flexi\u2011cap, sectoral\/thematic Tax\u2011Saving (80C Benefits) ELSS (3\u2011year lock\u2011in) In May\u202f2025, flexi\u2011cap funds led equity inflows for the third straight month\u2014reflecting investors\u2019 desire for dynamic exposure across market caps . If you\u2019re medium\u2011to\u2011long term and want one category that adapts, flexi\u2011cap is a solid pick. 4. Step\u202f3: Use a Screener to Filter Funds Head to AMFI, your broker\u2019s platform, or a site like ET Money. Use filters to: Live Example: On AMFI, select \u201cFlexi\u2011Cap Equity,\u201d then sort by 3\u2011year returns. You\u2019ll see names like: Make a shortlist of 3\u20135 funds that meet these criteria. 5. Step\u202f4: Drill Down into Key Metrics For each shortlisted fund, examine: Example Analysis: If a fund beats its benchmark consistently, with moderate volatility and a seasoned manager, it\u2019s worth considering. 6. Step\u202f5: Compare Against Peers &amp; Benchmarks Use comparison tools on your platform to place your finalists side\u2011by\u2011side: Metric Kotak Flexicap Mirae Asset Flexicap SBI Flexi-cap 3\u2011Year CAGR 18.5% 17.9% 17.2% 5\u2011Year CAGR 15.8% 15.4% 15.0% Standard Deviation 18.4% 18.7% 19.0% Sharpe Ratio 0.74 0.69 0.68 AUM \u20b98,000\u202fcr \u20b912,000\u202fcr \u20b96,500\u202fcr Expense Ratio 0.95% 0.90% 1.05% Here, Kotak leads on risk\u2011adjusted returns but Mirae Asset has higher AUM and lower expense. Decide based on which trade\u2011off you prefer\u2014perhaps split your allocation. 7. Step\u202f6: Check Latest Market Context Even a great fund can underperform in certain market cycles. Mid\u20112025 highlights: Understanding these trends helps you decide if your category choice still makes sense\u2014or if you should tilt toward, say, thematic funds in digital economy or infra. 8. Step\u202f7: Make Your Final Selection &amp; Allocate With your research done: Demo: Suppose you invest \u20b920,000\/month in flexi\u2011cap: This diversifies manager risk and smooths out performance variations. 9. Step\u202f8: Monitor &amp; Review Periodically Picking is just the start. To keep your portfolio on track: Discipline in monitoring helps you lock in gains and avoid surprises. 10. Common Mistakes to Avoid Trap Fix Chasing last year\u2019s multibagger funds Look for long\u2011term consistency (5+ years), not 1\u2011year heroes. Ignoring cost when comparing performance Calculate net returns after expense ratio. Over\u2011diversification (20+ schemes) Limit to 5\u20137 funds to avoid tracking headaches. Stopping SIPs during market dips SIPs shine in volatility\u2014continue through corrections. Neglecting debt\/hybrid portion Balance with conservative funds to protect capital. Conclusion Picking the right mutual fund doesn\u2019t require magic\u2014just a structured approach: By following these steps\u2014backed by real mid\u20112025 data\u2014you\u2019ll improve your odds of selecting funds that compound your wealth over time. Ready to launch your own live demo? Open your fund screener now and start building a portfolio tailored just 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-1262","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1262","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=1262"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1262\/revisions"}],"predecessor-version":[{"id":1276,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1262\/revisions\/1276"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}