{"id":1324,"date":"2025-06-30T08:24:56","date_gmt":"2025-06-30T08:24:56","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1324"},"modified":"2025-06-23T13:42:07","modified_gmt":"2025-06-23T13:42:07","slug":"robo%e2%80%91advisor-vs-human-advisor-which-suits-you","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/robo%e2%80%91advisor-vs-human-advisor-which-suits-you\/","title":{"rendered":"Robo\u2011Advisor vs Human Advisor: Which Suits You?"},"content":{"rendered":"\n<p>When it comes to managing your investments, the choice between a robo\u2011advisor and a human financial advisor can feel daunting. Both have their strengths and shortcomings, and the right choice depends on your goals, budget, and comfort with technology. By the end, you\u2019ll understand each approach well enough to decide which suits your financial style.<\/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 Robo\u2011Advisors?<\/strong><\/h2>\n\n\n\n<p>Robo\u2011advisors are automated platforms that build and manage your investment portfolio based on algorithms and pre\u2011set rules. You typically:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Complete an online questionnaire about your goals, risk tolerance, and timeline.<br><\/li>\n\n\n\n<li>Deposit funds, which the system allocates across diversified ETFs or funds.<br><\/li>\n\n\n\n<li>Let the platform automatically rebalance your portfolio and reinvest dividends.<br><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.1 Why Robo\u2011Advisors Are Growing Fast<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Low Fees:<\/strong> Robo\u2011advisors often charge <strong>0.25%<\/strong> or less in advisory fees\u2014far below the 1%\u20132% typical of human advisors.<br><\/li>\n\n\n\n<li><strong>Accessibility:<\/strong> Minimum investments can be as low as $100 or \u20b91,000, opening wealth management to first\u2011time investors.<br><\/li>\n\n\n\n<li><strong>Convenience:<\/strong> 24\/7 online access, fast signup, and auto\u2011rebalancing remove most manual tasks.<br><\/li>\n<\/ul>\n\n\n\n<p>According to Fortune Business Insights, the global robo\u2011advisor market is projected to grow from <strong>USD\u202f10.86\u202fbillion in 2025<\/strong> to <strong>USD\u202f69.32\u202fbillion by 2032<\/strong> at a CAGR of 30.3%. In India and Canada, hybrid models\u2014mixing digital tools with occasional human check\u2011ins\u2014already account for nearly <strong>64%<\/strong> of robo revenue, reflecting demand for both tech and human touch.<\/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. What Are Human Financial Advisors?<\/strong><\/h2>\n\n\n\n<p>Human advisors are licensed professionals\u2014CFAs, CFPs, or chartered accountants\u2014who work with clients one\u2011on\u2011one. Services include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personalized financial planning<br><\/li>\n\n\n\n<li>Tax and estate advice<br><\/li>\n\n\n\n<li>Behavioral coaching during market swings<br><\/li>\n\n\n\n<li>Access to bespoke investment products<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 The Human Advisor Market<\/strong><\/h3>\n\n\n\n<p>Despite the robo boom, the global <strong>financial advisory market<\/strong> remains robust at <strong>USD\u202f218.96\u202fbillion in 2025<\/strong>, growing at a CAGR of 4.6%. Major banks and boutique firms continue to onboard new advisors and expand services\u2014HSBC and UBS, for instance, are aggressively growing in India to serve the rising affluent class.<\/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. Robo\u2011Advisor vs. Human Advisor: Head\u2011to\u2011Head<\/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>Robo\u2011Advisor<\/strong><\/td><td><strong>Human Advisor<\/strong><\/td><\/tr><tr><td><strong>Fees<\/strong><\/td><td>0.10%\u202f\u2013\u202f0.50% per year<\/td><td>1.00%\u202f\u2013\u202f2.00% per year<\/td><\/tr><tr><td><strong>Minimum Investment<\/strong><\/td><td>As low as \u20b91,000 \/ $100<\/td><td>\u20b91\u202flakh \/ $50,000 or higher (varies by firm)<\/td><\/tr><tr><td><strong>Personalization<\/strong><\/td><td>Algorithmic based on survey<\/td><td>Highly tailored: tax, estate, behavioral aspects<\/td><\/tr><tr><td><strong>Access &amp; Convenience<\/strong><\/td><td>Fully digital, 24\/7<\/td><td>Scheduled meetings\u2014phone or in person<\/td><\/tr><tr><td><strong>Emotional Coaching<\/strong><\/td><td>Limited<\/td><td>Strong: advisors help manage market fears<\/td><\/tr><tr><td><strong>Product Range<\/strong><\/td><td>Pre\u2011selected ETFs \/ funds<\/td><td>Full universe: mutual funds, alternatives, private equity<\/td><\/tr><tr><td><strong>Transparency<\/strong><\/td><td>High: clear fee structure and performance data<\/td><td>Varies: fees and product costs sometimes opaque<\/td><\/tr><tr><td><strong>Regulation &amp; Security<\/strong><\/td><td>Regulated as investment advisers; data\u2011secure<\/td><td>Regulated professionals; personal liability frameworks<\/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>4. Global &amp; Regional Market Trends<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 India<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Robo\u2011Adoption Rising:<\/strong> Indian fintechs like Scripbox and Groww report <strong>75%<\/strong> annual growth in robo\u2011advisor users, driven by millennials and Gen\u202fZ.<br><\/li>\n\n\n\n<li><strong>Human Preference Remains:<\/strong> A CFA Institute survey found <strong>91% of Indian graduates<\/strong> still trust human advisors over AI platforms, highlighting the value placed on personal relationships.<br><\/li>\n\n\n\n<li><strong>Hybrid Models:<\/strong> Major banks (HDFC, ICICI) now offer robo + human \u201crobo\u2011plus\u201d services, catering to cost\u2011conscious investors who want occasional human check\u2011ins.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 USA<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Market Size:<\/strong> Robo advisory AUM in the US topped <strong>$1\u202ftrillion<\/strong> in 2024, but accounts for only <strong>10%<\/strong> of total advisory AUM\u2014showing room for growth.<br><\/li>\n\n\n\n<li><strong>Big Bank Retreat:<\/strong> UBS and JPMorgan are shifting from pure robo to hybrid models, moving clients to concierge or full\u2011service advisors amid profitability challenges.<br><\/li>\n\n\n\n<li><strong>Young Investors:<\/strong> <strong>41%<\/strong> of Millennials and Gen\u202fZ are comfortable with AI tools for investing, compared to <strong>29%<\/strong> of Gen\u202fX and <strong>14%<\/strong> of Baby Boomers.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Canada<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Balanced Growth:<\/strong> Canada\u2019s robo market is smaller but growing rapidly\u2014projected <strong>30% CAGR<\/strong> through 2028\u2014with leading banks offering both digital platforms and dedicated wealth teams.<br><\/li>\n\n\n\n<li><strong>DIY to Advised Shift:<\/strong> <strong>31%<\/strong> of Canadian DIY investors plan to engage with a human advisor in the next year, especially among Gen\u202fZ (39%) and Gen\u202fY (38%).<br><\/li>\n\n\n\n<li><strong>Regulatory Support:<\/strong> Canadian regulators are exploring \u201cexplainability\u201d rules for AI\u2011driven advice, ensuring robo\u2011advisors disclose their algorithms clearly.<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. Pros &amp; Cons at a Glance<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1 Robo\u2011Advisor<\/strong><\/h3>\n\n\n\n<p><strong>Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low fees and low minimums<br><\/li>\n\n\n\n<li>Automated rebalancing and tax\u2011loss harvesting<br><\/li>\n\n\n\n<li>Intuitive, tech\u2011driven interfaces<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Limited personal touch<br><\/li>\n\n\n\n<li>Rigid models may not handle complex tax or estate needs<br><\/li>\n\n\n\n<li>No behavioral coaching during market extremes<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2 Human Advisor<\/strong><\/h3>\n\n\n\n<p><strong>Pros:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Customized advice on retirement, taxation, and estate planning<br><\/li>\n\n\n\n<li>Emotional support during downturns<br><\/li>\n\n\n\n<li>Broader product access, including private markets<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Cons:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Higher cost (1\u20132%)<br><\/li>\n\n\n\n<li>Often high minimum investments<br><\/li>\n\n\n\n<li>Scheduling constraints, potential conflicts of interest<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. Real\u2011World Case Studies<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Case 1: Delhi\u2011Based Young Professional<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Profile:<\/strong> 28-year\u2011old software engineer, \u20b920\u202flakh portfolio<br><\/li>\n\n\n\n<li><strong>Choice:<\/strong> Robo\u2011advisor on Groww for equity exposure + hybrid check\u2011ins quarterly<br><\/li>\n\n\n\n<li><strong>Outcome:<\/strong> Paid <strong>0.25%<\/strong> fee, automated SIPs, reported <strong>12%<\/strong> annualized returns in 2024 with minimal time commitment.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Case 2: Mid\u2011Career Executive in New York<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Profile:<\/strong> 45-year\u2011old senior manager, $1\u202fmillion AUM<br><\/li>\n\n\n\n<li><strong>Choice:<\/strong> Full-service adviser at a boutique wealth firm<br><\/li>\n\n\n\n<li><strong>Outcome:<\/strong> Holistic plan covering stock options, 401(k) rollover, college funding\u2014paid <strong>1.2%<\/strong> but gained tailored tax strategies saving $15,000 in one year.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Case 3: Toronto Retiree<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Profile:<\/strong> 62-year\u2011old retiree, CAD\u202f$500,000 portfolio<br><\/li>\n\n\n\n<li><strong>Choice:<\/strong> Robo\u2011advisor for bond allocation + annual human review<br><\/li>\n\n\n\n<li><strong>Outcome:<\/strong> Low fees on core portfolio, plus an annual check\u2011in with a CFP to adjust for lifestyle changes and healthcare needs.<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. How to Choose What\u2019s Right for You<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Define Your Needs<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Simple, low\u2011cost investing \u2192 <strong>Robo\u2011Advisor<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Complex planning (tax, estate, private assets) \u2192 <strong>Human Advisor<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li>Somewhere in between \u2192 <strong>Hybrid Service<\/strong><strong><br><\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Assess Your Comfort with Tech<\/strong><strong><br><\/strong> If you love apps, notifications, and dashboards, robo might suit you. If you value phone calls and face\u2011to\u2011face meetings, opt for human.<br><\/li>\n\n\n\n<li><strong>Consider Your Portfolio Size<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>&lt;$10,000 \/ \u20b92\u202flakh \u2192 robo platforms excel.<br><\/li>\n\n\n\n<li>$100,000 \/ \u20b950\u202flakh+ \u2192 human advisors unlock deeper strategies.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Check Credentials &amp; Fees<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Robo: Look for SEC\u2011registered RIAs or SEBI\u2011registered entities.<br><\/li>\n\n\n\n<li>Human: Choose CFP\u00ae or CFA\u00ae professionals; ask for fee schedules upfront.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Trial Periods &amp; Guarantees<\/strong><strong><br><\/strong> Many robo services offer fee waivers for the first 3\u20136 months. Some human advisors provide free initial consultations\u2014use these to test compatibility.<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>8. The Future: Hybrid &amp; Beyond<\/strong><\/h2>\n\n\n\n<p>The industry\u2019s fastest\u2011growing segment is the <strong>hybrid model<\/strong>, blending robo efficiency with human oversight. Vanguard\u2019s Personal Advisor Services manages <strong>$344\u202fbillion<\/strong> in hybrid assets versus $21\u202fbillion in pure robo, underscoring investor preference for a balanced approach. Expect continued innovation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AI\u2011Augmented Advisors:<\/strong> Human advisors aided by analytics and predictive tools.<br><\/li>\n\n\n\n<li><strong>Deeper Personalization:<\/strong> Algorithms increasingly factor in ESG preferences, life events, and health data.<br><\/li>\n\n\n\n<li><strong>Fee Transparency:<\/strong> Regulatory focus on clear disclosure, both for algorithms and human compensation.<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>Choosing between a robo\u2011advisor and a human advisor comes down to <strong>your<\/strong> priorities: cost versus customization, technology versus human touch, simplicity versus comprehensive planning. By understanding fees, services, and market trends\u2014both globally and within India, the USA, and Canada\u2014you can make an informed decision that aligns with your financial goals.<\/p>\n\n\n\n<p>Whether you opt for the low\u2011cost, hands\u2011off convenience of a robo\u2011advisor, the tailored guidance of a human planner, or a hybrid of both, the key is to start early, stay consistent, and review your strategy as your life and markets evolve.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to managing your investments, the choice between a robo\u2011advisor and a human financial advisor can feel daunting. Both have their strengths and shortcomings, and the right choice depends on your goals, budget, and comfort with technology. By the end, you\u2019ll understand each approach well enough to decide which suits your financial style. 1. What Are Robo\u2011Advisors? Robo\u2011advisors are automated platforms that build and manage your investment portfolio based on algorithms and pre\u2011set rules. You typically: 1.1 Why Robo\u2011Advisors Are Growing Fast According to Fortune Business Insights, the global robo\u2011advisor market is projected to grow from USD\u202f10.86\u202fbillion in 2025 to USD\u202f69.32\u202fbillion by 2032 at a CAGR of 30.3%. In India and Canada, hybrid models\u2014mixing digital tools with occasional human check\u2011ins\u2014already account for nearly 64% of robo revenue, reflecting demand for both tech and human touch. 2. What Are Human Financial Advisors? Human advisors are licensed professionals\u2014CFAs, CFPs, or chartered accountants\u2014who work with clients one\u2011on\u2011one. Services include: 2.1 The Human Advisor Market Despite the robo boom, the global financial advisory market remains robust at USD\u202f218.96\u202fbillion in 2025, growing at a CAGR of 4.6%. Major banks and boutique firms continue to onboard new advisors and expand services\u2014HSBC and UBS, for instance, are aggressively growing in India to serve the rising affluent class. 3. Robo\u2011Advisor vs. Human Advisor: Head\u2011to\u2011Head Feature Robo\u2011Advisor Human Advisor Fees 0.10%\u202f\u2013\u202f0.50% per year 1.00%\u202f\u2013\u202f2.00% per year Minimum Investment As low as \u20b91,000 \/ $100 \u20b91\u202flakh \/ $50,000 or higher (varies by firm) Personalization Algorithmic based on survey Highly tailored: tax, estate, behavioral aspects Access &amp; Convenience Fully digital, 24\/7 Scheduled meetings\u2014phone or in person Emotional Coaching Limited Strong: advisors help manage market fears Product Range Pre\u2011selected ETFs \/ funds Full universe: mutual funds, alternatives, private equity Transparency High: clear fee structure and performance data Varies: fees and product costs sometimes opaque Regulation &amp; Security Regulated as investment advisers; data\u2011secure Regulated professionals; personal liability frameworks 4. Global &amp; Regional Market Trends 4.1 India 4.2 USA 4.3 Canada 5. Pros &amp; Cons at a Glance 5.1 Robo\u2011Advisor Pros: Cons: 5.2 Human Advisor Pros: Cons: 6. Real\u2011World Case Studies Case 1: Delhi\u2011Based Young Professional Case 2: Mid\u2011Career Executive in New York Case 3: Toronto Retiree 7. How to Choose What\u2019s Right for You 8. The Future: Hybrid &amp; Beyond The industry\u2019s fastest\u2011growing segment is the hybrid model, blending robo efficiency with human oversight. Vanguard\u2019s Personal Advisor Services manages $344\u202fbillion in hybrid assets versus $21\u202fbillion in pure robo, underscoring investor preference for a balanced approach. Expect continued innovation: Conclusion Choosing between a robo\u2011advisor and a human advisor comes down to your priorities: cost versus customization, technology versus human touch, simplicity versus comprehensive planning. By understanding fees, services, and market trends\u2014both globally and within India, the USA, and Canada\u2014you can make an informed decision that aligns with your financial goals. Whether you opt for the low\u2011cost, hands\u2011off convenience of a robo\u2011advisor, the tailored guidance of a human planner, or a hybrid of both, the key is to start early, stay consistent, and review your strategy as your life and markets evolve. 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-1324","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1324","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=1324"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1324\/revisions"}],"predecessor-version":[{"id":1337,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1324\/revisions\/1337"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1324"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1324"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1324"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}