{"id":55321,"date":"2025-04-16T16:30:08","date_gmt":"2025-04-16T11:00:08","guid":{"rendered":"https:\/\/www.equentis.com\/blog\/?p=55321"},"modified":"2025-11-07T13:05:07","modified_gmt":"2025-11-07T07:35:07","slug":"tax-on-debt-mutual-funds","status":"publish","type":"post","link":"https:\/\/www.equentis.com\/blog\/tax-on-debt-mutual-funds\/","title":{"rendered":"Tax on Debt Mutual Funds: Everything You Need to Know"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\n<h2 class=\"wp-block-heading has-large-font-size\">Introduction<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Why Understanding Taxation on Debt Mutual Funds is Crucial<\/h3>\n\n\n\n<p>Say you invested in two <a href=\"https:\/\/www.equentis.com\/blog\/what-are-mutual-funds-a-comprehensive-guide\/\">mutual funds<\/a> with different asset compositions. After a year, both gave a return of Rs.5000, but the tax levied on both differed. This caused the return on one to slip to Rs.4500 and the other to Rs.4750. This is why it is important to analyze the tax rules applicable to different <a href=\"https:\/\/www.equentis.com\/blog\/different-types-of-mutual-funds-mutual-fund-types-based-on-asset-class-structure-risk-benefits\/\">types of mutual funds<\/a>.&nbsp;<\/p>\n\n\n\n<p>In this article, we will decode the tax on debt mutual funds in detail. Being familiar with the <a href=\"https:\/\/www.equentis.com\/blog\/what-is-direct-tax\/\">capital gains tax<\/a> on debt mutual funds will help you avoid surprises at the time of redemption and plan your <a href=\"https:\/\/www.equentis.com\/blog\/mukul-agrawal-portfolio-shareholdings-investments-all-you-need-to-know\/\">investments<\/a> more efficiently by maximizing post-tax returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Recent Changes in Debt Fund Tax Rules (If Any)<\/h3>\n\n\n\n<p>Earlier, <a href=\"https:\/\/www.equentis.com\/researchandranking\">stock advisory company<\/a> and individual investors calculated tax <a href=\"https:\/\/www.equentis.com\/blog\/old-tax-regime-slabs\/\">rates<\/a> on debt mutual funds as<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you stayed invested for over 36 months, the applicable long-term <a href=\"https:\/\/www.equentis.com\/blog\/how-to-fix-your-tax-estimation-mistakes-before-its-too-late\/\">capital gains<\/a> tax on debt mutual funds would be 20% with indexation benefits. Indexation is the adjustment of the purchase price of an asset for <a href=\"https:\/\/www.equentis.com\/blog\/10-common-effects-of-inflation-on-the-economy\/\">inflation<\/a> using a price index to calculate capital gains more accurately.<\/li>\n\n\n\n<li>If the investment were for less than 36 months, the applicable short-term capital gain tax on debt mutual funds would be as per the <a href=\"https:\/\/www.equentis.com\/blog\/income-tax-concepts-the-ultimate-guide\/\">income tax<\/a> slab rate.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>With the introduction of <a href=\"https:\/\/www.equentis.com\/blog\/union-budget-2024-which-sectors-does-it-favour\/\">Budget<\/a> 2025 came a milestone date- 1st April 2023. As per the changes announced in the budget,&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If you invest in debt mutual funds before 1st April 2023, the old rules remain applicable- LTCG tax on debt mutual funds at 20% with indexation benefits for over 3 years of investment and STCG at income tax slab rate.<\/li>\n\n\n\n<li>All gains from debt mutual fund investments made after 1st April 2023 are taxed as per your income tax slab, regardless of how long you hold the investment. That means someone in the 30% tax bracket will now pay 30% tax on gains, not 20% with indexation like before.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>However, this has one exception: if you invested before 1st April 2023 and sold after 23rd July 2024, you\u2019ll pay a 12.5% LTCG tax without indexation benefits.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">What are Debt Mutual Funds?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Definition and How They Differ from Equity Funds<\/h3>\n\n\n\n<p>Debt mutual funds invest primarily in fixed-income instruments such as treasury bills, corporate bonds, commercial papers, and government securities. These instruments offer predictable returns and are generally less volatile than equities, making <a href=\"https:\/\/www.equentis.com\/blog\/different-types-of-mutual-funds-mutual-fund-types-based-on-asset-class-structure-risk-benefits\/\">debt funds<\/a> ideal for conservative investors focused on capital preservation. Unlike equity mutual funds that invest in stocks, debt funds aim for steady income rather than high growth, making them more suitable for short- to medium-term financial goals.<\/p>\n\n\n\n<p>To enhance stability and liquidity, the <a href=\"https:\/\/www.equentis.com\/blog\/what-does-sebi-mean-for-indian-investors\/\">Securities and Exchange Board of India<\/a> (<a href=\"https:\/\/www.equentis.com\/blog\/sebi-registered-investment-advisor-meaning-eligibility\/\">SEBI<\/a>) mandates that debt mutual funds maintain at least 10% of their assets in liquid instruments, such as government or cash-equivalent instruments.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Types of Debt Funds in India<\/h3>\n\n\n\n<p>Debt funds come in various types, catering to different investment horizons and risk profiles. Some of the popular types include:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of Fund<\/strong><\/td><td><strong>Meaning<\/strong><\/td><td><strong>Suitability<\/strong><\/td><\/tr><tr><td>Overnight Fund<\/td><td>Invests in securities with a maturity of just 1 day.<\/td><td>A safe option for parking idle funds with minimal risk.<\/td><\/tr><tr><td>Liquid Fund<\/td><td>Invests in instruments maturing within 91 days.<\/td><td>Better returns than savings accounts; ideal for very short-term needs.<\/td><\/tr><tr><td>Ultra Short Duration Fund<\/td><td>Maturity duration of 3\u20136 months.<\/td><td>Suitable for investors looking for slightly better returns than liquid funds.<\/td><\/tr><tr><td>Low Duration Fund<\/td><td>Maturity duration of 6\u201312 months.<\/td><td>Fits short-term goals with low interest rate risk.<\/td><\/tr><tr><td>Money Market Fund<\/td><td>Invests in instruments with a maturity of up to 1 year.<\/td><td>Suitable for low-risk investors seeking stable, short-term returns.<\/td><\/tr><tr><td>Short Duration Fund<\/td><td>Maturity duration of 1\u20133 years.<\/td><td>Suitable for short- to medium-term investors with a low-risk appetite.<\/td><\/tr><tr><td>Medium Duration Fund<\/td><td>Maturity duration of 3\u20134 years.<\/td><td>Ideal for investors with moderate <a href=\"https:\/\/www.equentis.com\/blog\/are-risk-tolerance-and-risk-appetite-the-same\/\">risk tolerance<\/a> and medium-term goals.<\/td><\/tr><tr><td>Medium to Long Duration Fund<\/td><td>Maturity duration of 4\u20137 years.<\/td><td>Suitable for those with a longer investment horizon and moderate risk profile.<\/td><\/tr><tr><td>Long Duration Fund<\/td><td>Maturity duration of more than 7 years.<\/td><td>Best for long-term investors willing to accept interest rate fluctuations.<\/td><\/tr><tr><td>Dynamic Bond Fund<\/td><td>No fixed duration; actively managed across various maturities.<\/td><td>Suitable for moderate-risk investors with 3\u20135 year horizons.<\/td><\/tr><tr><td>Corporate Bond Fund<\/td><td>Minimum 80% in high-rated corporate bonds.<\/td><td>Suitable for low-risk investors seeking quality debt instruments.<\/td><\/tr><tr><td>Credit Risk Fund<\/td><td>Minimum 65% in lower-rated corporate bonds.<\/td><td>It offers higher returns but carries more credit risk.<\/td><\/tr><tr><td>Gilt Fund<\/td><td>Minimum 80% in government securities.<\/td><td>No credit risk, but sensitive to interest rate changes. Ideal for risk-averse investors with longer horizons.<\/td><\/tr><tr><td>Banking &amp; PSU Fund<\/td><td>Minimum 80% in bank and PSU debt securities.<\/td><td>This is a stable option for conservative investors looking for quality issuers.<\/td><\/tr><tr><td>Floater Fund<\/td><td>Minimum 65% in floating-rate debt instruments.<\/td><td>Suitable in rising interest rate scenarios with low interest rate risk.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">How Capital Gains Tax Applies to Debt Mutual Funds?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Understanding Capital Gains: Short-Term vs Long-Term<\/h3>\n\n\n\n<p>Capital gains are the profits you earn when you sell your mutual fund units at a higher price than you paid. For tax purposes, these gains are categorized as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Short-Term Capital Gains<\/strong> \u2013 When you redeem your <a href=\"https:\/\/www.equentis.com\/blog\/what-are-fixed-income-mutual-funds-debt-funds\/\">debt fund<\/a> units within 36 months of investment<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.equentis.com\/blog\/can-stamp-duty-home-loan-interest-reduce-ltcg-tax\/\">Long-Term Capital Gains<\/a> <\/strong>\u2013 When you redeem after 36 months<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Holding Period Rules for Debt Mutual Fund Taxation<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>STCG<\/strong> applies if the holding period is less than 36 months (3 years).<\/li>\n\n\n\n<li><strong>LTCG<\/strong> applies if you hold the investment for 36 months or more.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Short-Term Capital Gains (STCG) Tax on Debt Mutual Funds<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">STCG Tax Rate and When It Applies<\/h3>\n\n\n\n<p>As per the amendments announced in Budget 2025, short-term capital gains on debt mutual funds will be added to your total income and taxed according to your applicable income tax slab rate. There\u2019s no special tax rate for STCG from debt funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Example: Calculating STCG on Redemption Before 3 Years<\/h3>\n\n\n\n<p>Let\u2019s say you invested Rs.1,00,000 in a short-term debt fund and sold it after 2 years for Rs.1,20,000. The Rs.20,000 gain is considered STCG.<\/p>\n\n\n\n<p>If you fall in the 30% tax slab, your tax on this gain would be:<\/p>\n\n\n\n<p>Rs.20,000 \u00d7 30% = Rs.6,000<\/p>\n\n\n\n<p>So, your post-tax return would be Rs.14,000, lower than the raw numbers suggest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Long-Term Capital Gains (LTCG) Tax on Debt Mutual Funds<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">LTCG Tax Rate and Indexation Benefit (If Applicable)<\/h3>\n\n\n\n<p>As per the tax change declared in Budget 2025, the indexation benefit is no longer available for most debt mutual funds. Previously, you could adjust the purchase price for inflation using a cost inflation index, which helped reduce taxable gains. Now:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>LTCG is also taxed as per your income tax slab.<\/li>\n\n\n\n<li>This applies to debt funds purchased on or after 1st April 2023.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Example: Calculating LTCG After Holding Period<\/h3>\n\n\n\n<p>Suppose you invested Rs.2,00,000 in a debt fund in April 2023 and redeemed it in May 2026 for Rs.2,60,000.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capital Gain = Rs.60,000<\/li>\n\n\n\n<li>Since indexation isn&#8217;t allowed, and assuming you fall in the 20% slab:<br>Tax = Rs.60,000 \u00d7 20% = Rs.12,000<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Capital Gains Tax on Debt Mutual Funds: Rates &amp; Comparison<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Current Tax Rate on Debt Mutual Funds<\/h3>\n\n\n\n<p>As per the changes specified in Budget 2025, the capital gains tax on debt mutual funds is as follows-<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Holding Period<\/strong><\/td><td><strong>Type of Capital Gain<\/strong><\/td><td><strong>Tax Rate<\/strong><\/td><\/tr><tr><td>&lt; 3 years<\/td><td>Short-Term<\/td><td>As per the income tax slab<\/td><\/tr><tr><td>\u2265 3 years<\/td><td>Long-Term<\/td><td>As per income tax slab (post-April 2023)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Debt vs Equity Fund Taxation \u2013 Key Differences<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Debt Mutual Funds<\/strong><\/td><td><strong>Equity Mutual Funds<\/strong><\/td><\/tr><tr><td>Holding Period for LTCG<\/td><td>3 years<\/td><td>1 year<\/td><\/tr><tr><td>STCG Tax Rate<\/td><td>As per the slab rate<\/td><td>20%<\/td><\/tr><tr><td>LTCG Tax Rate<\/td><td>As per slab rate (no indexation)<\/td><td>12.5% (above Rs.1.25 lakh, no indexation)<\/td><\/tr><tr><td>Indexation Benefit<\/td><td>Not Available (post-2023)<\/td><td>Not Applicable<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>(Internal Link<\/strong>: Learn more about Types of Mutual Funds or How Mutual Fund Taxation Works)<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Tax-Saving Tips for Debt Mutual Fund Investors<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Holding Funds Longer Than 3 Years (if indexation applies)<\/li>\n<\/ol>\n\n\n\n<p>For older investments (before April 2023), holding for 3+ years gives the benefit of indexation, reducing your tax liability. For newer investments, holding longer helps align gains with your income cycle and possibly lower slab rates (e.g., after retirement).<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Using Debt Funds in Hybrid or Balanced Allocation<\/li>\n<\/ol>\n\n\n\n<p>Hybrid funds (like balanced advantage or aggressive <a href=\"https:\/\/www.equentis.com\/blog\/understanding-hybrid-mutual-funds-exploring-types-and-benefits\/\">hybrid mutual funds<\/a>) offer debt exposure and equity benefits. Some qualify for equity taxation, which may reduce your tax burden.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>Offsetting Capital Losses Strategically<\/li>\n<\/ol>\n\n\n\n<p>If you have capital losses from other assets (like stocks), you can set them off against your gains from debt funds to lower your overall tax liability. This is known as tax-loss harvesting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Who Should Invest in Debt Funds Despite the Tax?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Debt Funds for Conservative or Short-Term Investors<\/h3>\n\n\n\n<p>If you want relatively stable returns and lower volatility, debt mutual funds are a solid choice, even with the tax changes. They&#8217;re particularly useful for goals ranging from 6 months to 3 years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Corporate Investors and HNIs Seeking Stability<\/h3>\n\n\n\n<p>High Net-Worth Individuals (HNIs) and corporates may prefer debt funds for liquidity, diversification, and flexibility, especially for treasury or surplus cash management.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">Conclusion<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Summary of How Taxation Works on Debt Mutual Funds<\/h3>\n\n\n\n<p>Short-term capital gains (for investments held for less than 3 years) are taxed as per the investor\u2019s income tax slab. Long-term gains (\u22653 years), which earlier enjoyed indexation benefits, are taxed according to the income slab. This means no special tax treatment for long-term holdings anymore, making strategic investment planning more critical than ever.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Plan Investments with Tax Efficiency in Mind<\/h3>\n\n\n\n<p>Even with the revised tax rules, mutual funds for debt remain dependable for investors looking for relatively stable returns. To make the most of them, aligning your investments with your financial goals and choosing an appropriate holding period to reduce tax liabilities is essential. Tools like a <a href=\"https:\/\/www.equentis.com\/financial-calculators\/sip-calculator\">SIP calculator<\/a> can help you estimate potential returns, fine-tune your investment plans, and build a more tax-efficient strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">FAQs on Tax on Debt Mutual Funds<\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\">What is the current tax rate on debt mutual funds?<\/h3><p class=\"saswp-faq-answer-text\">STCG and LTCG on debt mutual funds are taxed as per your income tax slab rat<strong>e<\/strong> if purchased after 1st April 2023. If the funds were purchased before 1st April 2023, the STCG rate is applied as per your income tax slab rate, and the LTCG rate would be 20% with indexation.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Is there an indexation benefit available for mutual debt funds?<\/h3><p class=\"saswp-faq-answer-text\">No, indexation on debt mutual funds bought after 1st April 2023 is no longer available.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">How is LTCG on debt mutual funds calculated?<\/h3><p class=\"saswp-faq-answer-text\">LTCG for debt mutual funds is calculated as<br><em>LTCG = Redemption value \u2013 Purchase cost<\/em><br>If you invested Rs.10,000 and sold it for Rs.18,000 after three years, Rs.8000 would be the long-term capital gain. The tax is calculated on the full gain (here, Rs.8000) at the income tax slab rate applicable to your overall <a href=\"https:\/\/www.equentis.com\/blog\/exemptions-vs-deductions-in-taxable-income\/\">taxable income<\/a>.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Do debt mutual funds offer tax-saving benefits?<\/h3><p class=\"saswp-faq-answer-text\">Debt mutual funds do not offer <a href=\"https:\/\/www.equentis.com\/blog\/basics-of-income-tax-for-beginners\/\">Section 80C<\/a> benefits. However, they can be used for <a href=\"https:\/\/www.equentis.com\/blog\/gold-funds-basics-and-purpose-of-gold-mutual-funds\/\">tax efficiency<\/a> through capital loss set-off and strategic asset allocation.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What is the holding period for long-term gains in debt mutual funds?<\/h3><p class=\"saswp-faq-answer-text\">You need to hold the investment for 36 months (3 years) for the gains to qualify as long-term.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Can capital losses from debt funds be set off against other gains?<\/h3><p class=\"saswp-faq-answer-text\">Yes, capital losses (short- or long-term) from debt funds can be set off against other capital gains in the same category, reducing your tax burden.<\/p><\/ul><\/div>\n\n\n<p class=\"has-ast-global-color-5-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-a377517bdd8f600e0c2e7efd2ef366fd\">Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis \u2013 Research &amp; Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL &amp; certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Say you invested in two mutual funds with different asset compositions. After a year, both gave a return of Rs.5000, but the tax levied on both differed. This caused the return on one to slip to Rs.4500 and the other to Rs.4750. This is why it is important to analyze the tax rules applicable to different types of mutual funds.\u00a0<\/p>\n","protected":false},"author":5,"featured_media":55323,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-55321","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"_links":{"self":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts\/55321","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/comments?post=55321"}],"version-history":[{"count":3,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts\/55321\/revisions"}],"predecessor-version":[{"id":62313,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/posts\/55321\/revisions\/62313"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/media\/55323"}],"wp:attachment":[{"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/media?parent=55321"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/categories?post=55321"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.equentis.com\/blog\/wp-json\/wp\/v2\/tags?post=55321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}