{"id":1323,"date":"2025-06-30T08:24:55","date_gmt":"2025-06-30T08:24:55","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1323"},"modified":"2025-06-23T13:42:07","modified_gmt":"2025-06-23T13:42:07","slug":"how-to-read-a-mutual-fund-statement-like-a-pro","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/how-to-read-a-mutual-fund-statement-like-a-pro\/","title":{"rendered":"How to Read a Mutual Fund Statement Like a Pro?"},"content":{"rendered":"\n<p>A mutual fund statement\u2014or Consolidated Account Statement (CAS) in India\u2014may look like a jumble of numbers at first glance. Yet, hidden within those rows and columns is valuable insight into your investments\u2019 health, performance, fees, and tax implications. Mastering this statement empowers you to make smarter decisions, spot issues early, and optimize your portfolio. Whether you\u2019re a beginner or a seasoned investor, this step\u2011by\u2011step walkthrough will make you confident in reading any mutual fund statement.<\/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. Understanding the Consolidated Account Statement (CAS)<\/strong><\/h2>\n\n\n\n<p>In India, most fund houses issue a <strong>Consolidated Account Statement (CAS)<\/strong> every quarter, combining all your investments across multiple schemes and fund houses into one report. Outside India, you\u2019ll receive similar account or shareholder statements from your broker or fund provider.<\/p>\n\n\n\n<p><strong>Why CAS Matters<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Single View<\/strong>: See all your holdings in one place, even if you invest with five different asset managers.<br><\/li>\n\n\n\n<li><strong>Complete Tracking<\/strong>: Monitor investments, redemptions, dividends, and mandatory disclosures without logging into separate platforms.<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. Key Sections of the Statement<\/strong><\/h2>\n\n\n\n<p>Most statements\u2014whether CAS in India or shareholder reports elsewhere\u2014follow a similar structure. Let\u2019s break down each part.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 Investor Information<\/strong><\/h3>\n\n\n\n<p>At the top, you\u2019ll find your details:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Name &amp; Address<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Folio Number(s)<\/strong> (India) or <strong>Account Number<\/strong> (global)<br><\/li>\n\n\n\n<li><strong>PAN \/ KYC<\/strong> (India) or other ID references.<br><\/li>\n<\/ul>\n\n\n\n<p>This confirms the statement belongs to you and lists all linked folios or accounts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Statement Period<\/strong><\/h3>\n\n\n\n<p>This shows the <strong>opening date<\/strong>, <strong>closing date<\/strong>, and <strong>frequency<\/strong> (monthly, quarterly, annually). Always verify you\u2019re looking at the right period before analyzing figures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.3 Summary of Holdings<\/strong><\/h3>\n\n\n\n<p>A snapshot of each scheme or fund in your portfolio, typically including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Scheme Name &amp; Type<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Units Held (Opening &amp; Closing)<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Net Asset Value (NAV) at Period Start &amp; End<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Current Value<\/strong> (Units \u00d7 NAV).<br><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Column<\/strong><\/td><td><strong>Meaning<\/strong><\/td><\/tr><tr><td>Opening Units<\/td><td>Units you held at period start<\/td><\/tr><tr><td>Purchases \/ SIP<\/td><td>Units added during the period (via lump sum or SIP)<\/td><\/tr><tr><td>Redemptions \/ SWP<\/td><td>Units redeemed or Systematic Withdrawal Plan units removed<\/td><\/tr><tr><td>Closing Units<\/td><td>Units you held at period end<\/td><\/tr><tr><td>Opening NAV<\/td><td>Price per unit at period start<\/td><\/tr><tr><td>Closing NAV<\/td><td>Price per unit at period end<\/td><\/tr><tr><td>Closing Value<\/td><td>Market value at closing (Closing Units \u00d7 Closing NAV)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.4 Transaction History<\/strong><\/h3>\n\n\n\n<p>This lists every buy, sell, switch, and dividend event:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Date of Transaction<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Type<\/strong> (Purchase, Redemption, Dividend, Switch)<br><\/li>\n\n\n\n<li><strong>Units &amp; NAV at Transaction<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Amount Debited \/ Credited<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<p>By scanning this, you can confirm each action you took and reconcile with your bank\/broker statements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.5 Capital Gains &amp; Tax Statements<\/strong><\/h3>\n\n\n\n<p>For Indian CAS, you\u2019ll see a section on <strong>capital gains<\/strong> and <strong>dividend distribution<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Short\u2011Term Gains<\/strong> (holding \u22641\u202fyear)<br><\/li>\n\n\n\n<li><strong>Long\u2011Term Gains<\/strong> (holding >1\u202fyear)<br><\/li>\n\n\n\n<li><strong>TDS Deducted<\/strong> on dividends or gains.<br><\/li>\n<\/ul>\n\n\n\n<p>This makes annual tax filing smoother by providing ready data on taxable events.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.6 Expense Ratio &amp; Fee Breakdown<\/strong><\/h3>\n\n\n\n<p>Mutual fund performance numbers are typically reported <strong>net of operating expenses<\/strong>, which include management fees, custodial charges, and administrative costs. Look for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Total Expense Ratio (TER)<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Transaction Charges<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>Exit Load<\/strong> (if you redeemed within a certain period)<br><\/li>\n<\/ul>\n\n\n\n<p>Lower expense ratios often translate into higher net returns over the long run.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.7 Portfolio Allocation &amp; Top Holdings<\/strong><\/h3>\n\n\n\n<p>Many statements include an <strong>asset allocation<\/strong> pie chart and <strong>top 10 holdings<\/strong> table:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity vs. Debt vs. Cash<\/strong> split<br><\/li>\n\n\n\n<li><strong>Sector Weightings<\/strong> (e.g., Financials, IT, Healthcare)<br><\/li>\n\n\n\n<li><strong>Individual Company Weights<\/strong> for equity funds<br><\/li>\n<\/ul>\n\n\n\n<p>This helps you verify whether the fund\u2019s actual exposure aligns with its stated strategy.<\/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. Deep Dive: Net Asset Value (NAV) and Performance<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 What Is NAV?<\/strong><\/h3>\n\n\n\n<p>The <strong>Net Asset Value<\/strong> is the per\u2011unit price of the fund, calculated as:<\/p>\n\n\n\n<p>(Total Market Value of Securities \u2013 Liabilities) \u00f7 Total Outstanding Units&nbsp;&nbsp;<\/p>\n\n\n\n<p>NAV fluctuates daily based on underlying asset prices.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 How Dividends Affect NAV<\/strong><\/h3>\n\n\n\n<p>When a fund pays a dividend, its NAV drops by the dividend amount\u2014this is purely an accounting adjustment and doesn\u2019t mean your investment loses value. To gauge true returns, look at <strong>Total Return<\/strong>, which includes NAV changes plus dividends reinvested.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 Tracking Returns Over Time<\/strong><\/h3>\n\n\n\n<p>Your statement may show returns for different periods (1\u202fyear, 3\u202fyears, since inception). For a quick sense:<\/p>\n\n\n\n<p>(Return = (Closing NAV \u2013 Opening NAV) \u00f7 Opening NAV) \u00d7 100%<\/p>\n\n\n\n<p>But always compare to the benchmark index to see if the fund outperformed its peer group.<\/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. Interpreting Key Ratios and Metrics<\/strong><\/h2>\n\n\n\n<p>Beyond raw numbers, statements often include ratios that reveal fund efficiency and risk:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>What It Tells You<\/strong><\/td><\/tr><tr><td>Expense Ratio<\/td><td>Annual cost percentage; lower is generally better<\/td><\/tr><tr><td>Turnover Ratio<\/td><td>Frequency of portfolio trading; high turnover can mean more costs<\/td><\/tr><tr><td>Sharpe Ratio<\/td><td>Risk\u2011adjusted return; higher implies better reward per unit risk<\/td><\/tr><tr><td>Beta<\/td><td>Fund\u2019s volatility vs. benchmark; &gt;1 is more volatile<\/td><\/tr><tr><td>R\u2011Squared<\/td><td>How closely fund performance tracks its benchmark<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>By learning these metrics, you can assess both cost and risk alongside returns.<\/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. Practical Tips for Professional Analysis<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cross\u2011Verify NAV Dates<\/strong><strong><br><\/strong> Ensure the NAV dates in your statement match public NAV data.<br><\/li>\n\n\n\n<li><strong>Watch for Unusual Charges<\/strong><strong><br><\/strong> Compare expense ratios quarter to quarter. A sudden spike warrants an explanation.<br><\/li>\n\n\n\n<li><strong>Check for Dormant Folios<\/strong><strong><br><\/strong> CAS lists all folios\u2014even ones you forgot. Close unused folios to avoid unwanted fees.<br><\/li>\n\n\n\n<li><strong>Spot Data Gaps<\/strong><strong><br><\/strong> If transactions are missing, contact the fund house immediately to correct records before tax season.<br><\/li>\n\n\n\n<li><strong>Use Spreadsheet Imports<\/strong><strong><br><\/strong> Many CAS providers (e.g., CAMS, KFintech) let you download Excel versions\u2014import into your favorite analysis tool for custom charts.<br><\/li>\n\n\n\n<li><strong>Benchmark Wisely<\/strong><strong><br><\/strong> Compare an equity fund to the correct index (e.g., a mid\u2011cap fund vs. Nifty Midcap 100, not Nifty\u202f50).<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>6. Country\u2011Specific Notes<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>India (CAS)<\/strong>: Issued quarterly by CAMS or KFintech; includes capital gains &amp; TDS details for tax filing.<br><\/li>\n\n\n\n<li><strong>USA<\/strong>: Shareholder reports include sections on investment objectives, fees, and risks\u2014a good companion to your statement.<br><\/li>\n\n\n\n<li><strong>Canada<\/strong>: Statements often feature detailed performance tables and include fiscal year distributions\u2014use these for CRA reporting.<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. Common Pitfalls and How to Avoid Them<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ignoring Load Structures<\/strong><strong><br><\/strong> Front\u2011end or back\u2011end loads can erode returns; always note the exit load section.<br><\/li>\n\n\n\n<li><strong>Overemphasizing Short\u2011Term Returns<\/strong><strong><br><\/strong> Look at 3\u2011 and 5\u2011year returns to judge consistency.<br><\/li>\n\n\n\n<li><strong>Neglecting Tax Implications<\/strong><strong><br><\/strong> Dividend distributions may attract TDS in India or withholding tax elsewhere\u2014factor this into net returns.<br><\/li>\n\n\n\n<li><strong>Missing Updates<\/strong><strong><br><\/strong> Fund houses sometimes change expense ratios or mandates; read your statement\u2019s \u201cimportant notices\u201d section.<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>8. Acting on Your Insights<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Rebalance When Needed<\/strong><strong><br><\/strong> If allocation drifts by more than 5\u201310%, consider rebalancing to original targets.<br><\/li>\n\n\n\n<li><strong>Switch Underperformers<\/strong><strong><br><\/strong> Funds consistently underperforming their benchmark for 3+ years deserve a closer look.<br><\/li>\n\n\n\n<li><strong>Consolidate Folios<\/strong><strong><br><\/strong> Fewer folios mean fewer statements to track\u2014use the CAS to merge where possible.<br><\/li>\n\n\n\n<li><strong>Automate Alerts<\/strong><strong><br><\/strong> Set up email\/SMS alerts for NAV changes beyond a threshold or new TDS entries.<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. Tools to Make It Easier<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CAMS &amp; KFintech Portals<\/strong> for consolidated downloads<br><\/li>\n\n\n\n<li><strong>Morningstar Direct<\/strong> for ratio analysis and peer comparisons<br><\/li>\n\n\n\n<li><strong>Excel Templates<\/strong>: Plenty exist online to import CAS data and produce interactive dashboards<br><\/li>\n\n\n\n<li><strong>Mobile Apps<\/strong> (e.g., Groww, Zerodha Coin) that push simplified statement summaries<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>10. Conclusion<\/strong><\/h2>\n\n\n\n<p>Reading a mutual fund statement like a pro combines careful attention to detail with a solid grasp of key metrics. By understanding each section\u2014investor details, summary of holdings, transaction history, fees, and performance ratios\u2014you\u2019ll turn raw data into actionable insights. Use our practical tips to verify data, spot trends, and optimize your portfolio. With practice, you\u2019ll breeze through any statement, making smarter investment choices and staying ahead of potential issues.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A mutual fund statement\u2014or Consolidated Account Statement (CAS) in India\u2014may look like a jumble of numbers at first glance. Yet, hidden within those rows and columns is valuable insight into your investments\u2019 health, performance, fees, and tax implications. Mastering this statement empowers you to make smarter decisions, spot issues early, and optimize your portfolio. Whether you\u2019re a beginner or a seasoned investor, this step\u2011by\u2011step walkthrough will make you confident in reading any mutual fund statement. 1. Understanding the Consolidated Account Statement (CAS) In India, most fund houses issue a Consolidated Account Statement (CAS) every quarter, combining all your investments across multiple schemes and fund houses into one report. Outside India, you\u2019ll receive similar account or shareholder statements from your broker or fund provider. Why CAS Matters 2. Key Sections of the Statement Most statements\u2014whether CAS in India or shareholder reports elsewhere\u2014follow a similar structure. Let\u2019s break down each part. 2.1 Investor Information At the top, you\u2019ll find your details: This confirms the statement belongs to you and lists all linked folios or accounts. 2.2 Statement Period This shows the opening date, closing date, and frequency (monthly, quarterly, annually). Always verify you\u2019re looking at the right period before analyzing figures. 2.3 Summary of Holdings A snapshot of each scheme or fund in your portfolio, typically including: Column Meaning Opening Units Units you held at period start Purchases \/ SIP Units added during the period (via lump sum or SIP) Redemptions \/ SWP Units redeemed or Systematic Withdrawal Plan units removed Closing Units Units you held at period end Opening NAV Price per unit at period start Closing NAV Price per unit at period end Closing Value Market value at closing (Closing Units \u00d7 Closing NAV) 2.4 Transaction History This lists every buy, sell, switch, and dividend event: By scanning this, you can confirm each action you took and reconcile with your bank\/broker statements. 2.5 Capital Gains &amp; Tax Statements For Indian CAS, you\u2019ll see a section on capital gains and dividend distribution: This makes annual tax filing smoother by providing ready data on taxable events. 2.6 Expense Ratio &amp; Fee Breakdown Mutual fund performance numbers are typically reported net of operating expenses, which include management fees, custodial charges, and administrative costs. Look for: Lower expense ratios often translate into higher net returns over the long run. 2.7 Portfolio Allocation &amp; Top Holdings Many statements include an asset allocation pie chart and top 10 holdings table: This helps you verify whether the fund\u2019s actual exposure aligns with its stated strategy. 3. Deep Dive: Net Asset Value (NAV) and Performance 3.1 What Is NAV? The Net Asset Value is the per\u2011unit price of the fund, calculated as: (Total Market Value of Securities \u2013 Liabilities) \u00f7 Total Outstanding Units&nbsp;&nbsp; NAV fluctuates daily based on underlying asset prices. 3.2 How Dividends Affect NAV When a fund pays a dividend, its NAV drops by the dividend amount\u2014this is purely an accounting adjustment and doesn\u2019t mean your investment loses value. To gauge true returns, look at Total Return, which includes NAV changes plus dividends reinvested. 3.3 Tracking Returns Over Time Your statement may show returns for different periods (1\u202fyear, 3\u202fyears, since inception). For a quick sense: (Return = (Closing NAV \u2013 Opening NAV) \u00f7 Opening NAV) \u00d7 100% But always compare to the benchmark index to see if the fund outperformed its peer group. 4. Interpreting Key Ratios and Metrics Beyond raw numbers, statements often include ratios that reveal fund efficiency and risk: Metric What It Tells You Expense Ratio Annual cost percentage; lower is generally better Turnover Ratio Frequency of portfolio trading; high turnover can mean more costs Sharpe Ratio Risk\u2011adjusted return; higher implies better reward per unit risk Beta Fund\u2019s volatility vs. benchmark; &gt;1 is more volatile R\u2011Squared How closely fund performance tracks its benchmark By learning these metrics, you can assess both cost and risk alongside returns. 5. Practical Tips for Professional Analysis 6. Country\u2011Specific Notes 7. Common Pitfalls and How to Avoid Them 8. Acting on Your Insights 9. Tools to Make It Easier 10. Conclusion Reading a mutual fund statement like a pro combines careful attention to detail with a solid grasp of key metrics. By understanding each section\u2014investor details, summary of holdings, transaction history, fees, and performance ratios\u2014you\u2019ll turn raw data into actionable insights. Use our practical tips to verify data, spot trends, and optimize your portfolio. With practice, you\u2019ll breeze through any statement, making smarter investment choices and staying ahead of potential issues. 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-1323","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1323","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=1323"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1323\/revisions"}],"predecessor-version":[{"id":1333,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1323\/revisions\/1333"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1323"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1323"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1323"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}