{"id":17048,"date":"2025-04-21T00:59:18","date_gmt":"2025-04-20T22:59:18","guid":{"rendered":"https:\/\/moneyhub.ee\/?p=17048"},"modified":"2025-04-23T13:06:34","modified_gmt":"2025-04-23T11:06:34","slug":"should-you-invest-in-stocks-or-funds","status":"publish","type":"post","link":"https:\/\/moneyhub.ee\/en\/useful\/articles\/should-you-invest-in-stocks-or-funds\/","title":{"rendered":"Should you invest in shares or funds?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"17048\" class=\"elementor elementor-17048\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do you want to minimise your investment risk but achieve more financial growth? Should you invest in shares or funds?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5.png\" class=\"attachment-full size-full wp-image-17051\" alt=\"Aktsiate ja fondide v\u00f5rdlus\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5.png 2240w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-300x169.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-1024x576.png 1024w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-768x432.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-1536x864.png 1536w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-2048x1152.png 2048w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><b>Should you invest in shares or funds?<\/b><\/h1><h2><b>Understanding investment options<\/b><\/h2><p><span style=\"font-weight: 400;\">Investing in the stock market can be a great way to grow your wealth over time, but it\u2019s essential to understand the different investment options available.<\/span><\/p><p><span style=\"font-weight: 400;\">Stocks, bonds, ETFs (Exchange-Traded Fund), MMFs (Money Market Funds) and other mutual funds are popular investment options, each with its own unique characteristics and risks. Stocks represent company ownership and offer long-term growth potential, while bonds provide regular income and relatively lower risk. Mutual funds, on the other hand, allow you to diversify your portfolio by pooling your money with other investors to invest in various assets.<\/span><\/p><p><span style=\"font-weight: 400;\">When considering investment options, assessing your financial goals, risk tolerance, and time horizon is crucial.<\/span><\/p><p><i><span style=\"font-weight: 400;\">Are you looking for long-term growth or regular income?<\/span><\/i><\/p><p><i><span style=\"font-weight: 400;\">Are you comfortable with taking on more risk or do you prefer more conservative investments?<\/span><\/i><\/p><p><span style=\"font-weight: 400;\">Understanding your investment goals and risk tolerance will help you make informed decisions and choose the right investment options for your portfolio.<\/span><\/p><h2><b>How the stock market works<\/b><\/h2><p><span style=\"font-weight: 400;\">The stock market is a platform where companies raise capital by issuing shares to the public, and investors buy and sell these shares in hopes of earning a profit. Various factors influence the stock market, including <\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/trump-liberation-day-tariffs-global-trade\/\"><span style=\"font-weight: 400;\">global events, politics, and economic conditions<\/span><\/a><span style=\"font-weight: 400;\">. Stock prices can fluctuate rapidly, and market volatility can be unpredictable.<\/span><\/p><p><span style=\"font-weight: 400;\">To navigate the stock market, it\u2019s essential to understand how it works.<\/span><\/p><p><span style=\"font-weight: 400;\">Stocks are traded on stock exchanges, such as the<\/span><a href=\"https:\/\/nasdaqbaltic.com\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Nasdaq Baltic stock exchanges<\/span><\/a><span style=\"font-weight: 400;\">, which provide a platform for buyers and sellers to meet. Stock prices are determined by supply and demand, and market forces can cause prices to rise or fall.<\/span><\/p><p><span style=\"font-weight: 400;\">As an investor, staying informed about market trends and news that may impact your investments is crucial.<\/span><\/p><h2><b>How to minimise your investment risk<\/b><\/h2><p><span style=\"font-weight: 400;\">You\u2019ve left your money to tick over in a savings account \u2013 but now you\u2019re ready to leap into investing.<\/span><\/p><p><span style=\"font-weight: 400;\">The performance of different investment options over the past year can vary significantly, making it essential to analyse annual returns and trends.<\/span><\/p><p><span style=\"font-weight: 400;\">So, where do you start? Should you buy company shares or put them in a fund instead?<\/span><\/p><p><span style=\"font-weight: 400;\">If you\u2019re not sure, don\u2019t worry. We\u2019ve weighed up the pros and cons of choosing your own shares versus investing in funds so you can decide what\u2019s right for you, and how much<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/investment-risk\/\"> <span style=\"font-weight: 400;\">investment risk<\/span><\/a><span style=\"font-weight: 400;\"> you&#8217;re willing to take.<\/span><\/p><h2><b>Buying individual investment shares<\/b><\/h2><p><span style=\"font-weight: 400;\">If you buy shares in a company, you&#8217;re buying a slice of that company. It&#8217;s likely to be a small slice to start with \u2013 but it means you could get a share of its profits.<\/span><\/p><p><span style=\"font-weight: 400;\">This profit share is called a dividend. In addition to the possibility of regular income in the form of dividends, the value of the shares could rise if the company does well.<\/span><\/p><p><span style=\"font-weight: 400;\">So, if you pick the right company, you can do very well by buying individual shares. But not every company performs so well. Even household names can have a bumpy ride.<\/span><\/p><p><span style=\"font-weight: 400;\">The main risk is that you invest in a company that doesn&#8217;t do well or whose shares fall in value when you need to cash in \u2013 primarily if you&#8217;ve invested a chunk of your savings.<\/span><\/p><h2><b>Investing in funds<\/b><\/h2><p><span style=\"font-weight: 400;\">Rather than buying shares in an individual company, funds invest in a collection of companies, debt instruments, government bonds, cash and other assets like property.<\/span><\/p><p><span style=\"font-weight: 400;\">Certain funds focus on specific sectors, such as technology or healthcare. Others only consider companies of a certain size or in a certain country or region.<\/span><\/p><p><span style=\"font-weight: 400;\">If you invest in an investment fund, you&#8217;re spreading your money and reducing the risk of a single company performing badly.<\/span><\/p><p><span style=\"font-weight: 400;\">There are hundreds of share-based funds, some with similar outlooks and near identical names.<\/span><\/p><p><span style=\"font-weight: 400;\">But they all fall into one of two categories.<\/span><\/p><h2><b>Active or actively managed funds<\/b><\/h2><p><span style=\"font-weight: 400;\">A fund manager or team decides which companies to invest in, which shares to sell, when to trade and how many shares to buy and sell.<\/span><\/p><p><span style=\"font-weight: 400;\">It&#8217;s a hands-on system in which experts research and decide on what they think will have the right mix of risk and return.<\/span><\/p><h2><b>Passive or market (index) tracker funds<\/b><\/h2><p><span style=\"font-weight: 400;\">The aim here is to mirror the performance of a stock market index, like the FTSE All-Share.<\/span><\/p><p><span style=\"font-weight: 400;\">A fund tracking the FTSE All-Share would buy all 600+ shares in the same proportion as the index\u2014then buy and sell to maintain the right allocation between them. The British (or are they Estonian?!) company<\/span><a href=\"https:\/\/www.londonstockexchange.com\/stock\/WISE\/wise-plc\/company-page\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Wise Plc is listed on the London Stock Exchange.<\/span><\/a><\/p><p><span style=\"font-weight: 400;\">Alternatively, a fund tracking the<\/span><a href=\"https:\/\/www.spglobal.com\/spdji\/en\/indices\/equity\/sp-500\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">S&amp;P 500<\/span><\/a><span style=\"font-weight: 400;\"> would buy all 500 shares in the index and then buy and sell to keep the right allocation balance.<\/span><\/p><h2><b>Shares and funds compared<\/b><\/h2><p><span style=\"font-weight: 400;\">Whether you should invest in company shares directly or via an investment fund will depend on several factors.<\/span><\/p><h2><b>How much risk you feel comfortable taking<\/b><\/h2><p><span style=\"font-weight: 400;\">There&#8217;s no getting away from it. Share prices go up and down, and companies\u2014even the big ones \u2014 go bust from time to time.<\/span><\/p><p><span style=\"font-weight: 400;\">Picking a single or small number of companies and buying shares in them can be risky because you&#8217;re putting your eggs in one or a few baskets. So, if you want to take on less risk, you may want to invest in share-based or equity funds.<\/span><\/p><p><span style=\"font-weight: 400;\">This can be less risky, especially if your money is spread across several different funds or your fund is spread across many different investments.<\/span><\/p><h2><b>How involved in your investments you want to be<\/b><\/h2><p><span style=\"font-weight: 400;\">Many people enjoy checking the performance of their shares in newspapers or online\u2014it&#8217;s like following their favourite sports team.<\/span><\/p><p><span style=\"font-weight: 400;\">A shift of just a few percentage points could earn or lose you thousands, depending on the size of your investment. Just think of the feeling of a last-minute winner \u2013 or a last-minute defeat.<\/span><\/p><p><span style=\"font-weight: 400;\">If you don&#8217;t want to monitor your investments closely, buying shares in individual companies is probably not for you.<\/span><\/p><p><span style=\"font-weight: 400;\">But even if you<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/how-to-invest-in-funds\/\"> <span style=\"font-weight: 400;\">invest in funds<\/span><\/a><span style=\"font-weight: 400;\">, you should still regularly review how your investments are doing.<\/span><\/p><h2><b>How much you have to invest<\/b><\/h2><p><span style=\"font-weight: 400;\">You can start investing with several providers with just a tiny amount of money. You can make regular monthly payments and pay in lump sums whenever possible.<\/span><\/p><p><span style=\"font-weight: 400;\">But remember to only invest what you can afford to commit to for longer periods. This is generally the best way to smooth out the short-term ups and downs in the stock market.<\/span><\/p><h2><b>Costs and charges<\/b><\/h2><p><span style=\"font-weight: 400;\">You may have to pay fees to buy and sell shares, known as \u2018stockbroking fees&#8217;. The cost varies depending on the stockbroker you use.<\/span><\/p><p><span style=\"font-weight: 400;\">With funds, the charges are typically a percentage of the money you&#8217;ve invested \u2013 and they&#8217;re taken out of the money you invest. The percentage will depend on the type of fund you invest in.<\/span><\/p><p><span style=\"font-weight: 400;\">Heads up. Whether you&#8217;re investing in shares or funds, gains realised through the sale of your shares or funds are potentially liable to Income Tax depending on your personal circumstances \u2013 unless you&#8217;re investing within an investment account or pension.<\/span><\/p><p><span style=\"font-weight: 400;\">Upon investing in securities, a natural person can choose:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>an ordinary system<\/b><span style=\"font-weight: 400;\"> whereby the sale and exchange of securities must be declared in the income tax return and income tax must be paid on the income earned;<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>an<\/b><a href=\"https:\/\/www.emta.ee\/en\/private-client\/taxes-and-payment\/taxable-income\/securities-and-investment-account#financial-assets-investment-account\" target=\"_blank\" rel=\"noopener\"> <b>investment account<\/b><\/a><span style=\"font-weight: 400;\">, upon the use of which contributions and payments must be declared on the income tax return, but the payment of income tax can be postponed; and<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.emta.ee\/en\/private-client\/taxes-and-payment\/taxable-income\/securities-and-investment-account#pia\" target=\"_blank\" rel=\"noopener\"><b>pension investment account<\/b><\/a><span style=\"font-weight: 400;\"> (II pension pillar), which is not declared in the income tax return, because payments made from pension investment account are<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/taxes-estonia\/\"> <span style=\"font-weight: 400;\">taxed on the basis<\/span><\/a><span style=\"font-weight: 400;\"> of the rules of the<\/span><a href=\"https:\/\/www.pensionikeskus.ee\/en\/ii-pillar\/mandatory-funded-pension\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">II pension pillar.<\/span><\/a><\/li><\/ul><h2><b>Getting started with investing<\/b><\/h2><p><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/investments-jargon-buster\/\"><span style=\"font-weight: 400;\">Getting started with investing<\/span><\/a><span style=\"font-weight: 400;\"> can seem daunting, but it\u2019s easier than you think. The first step is setting clear financial goals and determining risk tolerance. Next, consider opening a brokerage account with a reputable online broker, giving you access to various investment options.<\/span><\/p><p><span style=\"font-weight: 400;\">When selecting investment options, consider starting with a diversified portfolio of stocks, bonds, and mutual funds. You may even prefer other<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/alternative-investments-investors\/\"> <span style=\"font-weight: 400;\">alternative investments.<\/span><\/a><span style=\"font-weight: 400;\"> A diversified portfolio can help spread risk and increase potential returns. It\u2019s also essential to educate yourself on investing and stay up-to-date with market news and trends.<\/span><\/p><h2><b>Monitoring and adjusting your investments<\/b><\/h2><p><span style=\"font-weight: 400;\">Once you\u2019ve invested, you must monitor your portfolio regularly and adjust as needed. This involves tracking your investment performance, rebalancing your portfolio, and changing your<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/investment-strategy\/\"> <span style=\"font-weight: 400;\">investment strategy.<\/span><\/a><\/p><p><span style=\"font-weight: 400;\">Regular portfolio monitoring can help you identify areas of your portfolio that may need attention.<\/span><\/p><p><span style=\"font-weight: 400;\">Rebalancing your portfolio involves adjusting your asset allocation to align with your investment goals and risk tolerance. By monitoring and adjusting your investments, you can ensure your portfolio remains on track to meet your financial goals.<\/span><\/p><h2><b>Common investment mistakes to avoid<\/b><\/h2><p><span style=\"font-weight: 400;\">Investing in the stock market involves risk; even experienced investors can make mistakes.<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/common-investment-mistakes\/\"> <span style=\"font-weight: 400;\">Common investment mistakes<\/span><\/a><span style=\"font-weight: 400;\"> to avoid include putting all your eggs in one basket, failing to diversify your portfolio, and trying to time the market.<\/span><\/p><p><span style=\"font-weight: 400;\">Diversification is key to managing risk and increasing potential returns. By spreading your investments across different asset classes, sectors, and geographic regions, you can reduce your exposure to any one particular investment. Additionally, trying to time the market can be costly, as it\u2019s impossible to predict market fluctuations with certainty. Instead, focus on long-term investing and avoid making emotional decisions based on short-term market volatility.<\/span><\/p><p><i><span style=\"font-weight: 400;\">We hope the information in this article is useful, but it isn&#8217;t financial, personal or tax advice. You should speak to an Independent Financial Advisor if you want expert advice. Remember, the value of investments can go up and down, so you may get back less money than you put in.<\/span><\/i><\/p><p><i><span style=\"font-weight: 400;\">You should consider investing as a medium\u2014to long-term commitment, so be prepared to invest your money for at least five years. Tax depends on your individual circumstances, and regulations may change in the future.<\/span><\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-adf47ca e-flex e-con-boxed e-con e-child\" data-id=\"adf47ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Do you want to minimise your investment risk but achieve more financial growth? Should you invest in shares or funds?<\/p>\n","protected":false},"author":3,"featured_media":17051,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-17048","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-150x150.png",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5.png",2240,1260,false]},"categories_names":{"21":{"name":"Articles","link":"https:\/\/moneyhub.ee\/en\/category\/useful\/articles\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5.png",2240,1260,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5.png",2240,1260,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5.png",2240,1260,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-150x150.png",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-300x169.png",300,169,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-1024x576.png",800,450,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-1536x864.png",1536,864,true],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/MoneyHub-Special-Reports-Images-5-2048x1152.png",2048,1152,true]},"rttpg_author":{"display_name":"David Bailey","author_link":"https:\/\/moneyhub.ee\/en\/author\/davidbailey\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/moneyhub.ee\/en\/category\/useful\/articles\/\" rel=\"category tag\">Articles<\/a>","rttpg_excerpt":"Do you want to minimise your investment risk but achieve more financial growth? Should you invest in shares or funds?","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/17048","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=17048"}],"version-history":[{"count":0,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/17048\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/17051"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=17048"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/categories?post=17048"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/tags?post=17048"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}