{"id":20930,"date":"2025-07-29T23:20:34","date_gmt":"2025-07-29T21:20:34","guid":{"rendered":"https:\/\/moneyhub.ee\/?p=20930"},"modified":"2025-07-29T23:29:06","modified_gmt":"2025-07-29T21:29:06","slug":"accumulating-vs-distributing-etfs","status":"publish","type":"post","link":"https:\/\/moneyhub.ee\/en\/useful\/articles\/accumulating-vs-distributing-etfs\/","title":{"rendered":"Accumulating vs distributing ETFs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20930\" class=\"elementor elementor-20930\" 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\">The different approaches of accumulating and distributing ETFs boil down to personal financial goals and your tax implications.<\/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=\"800\" height=\"461\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-scaled.jpg\" class=\"attachment-full size-full wp-image-20931\" alt=\"Accumulating vs distributing ETFs\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-scaled.jpg 800w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-300x173.jpg 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-1024x591.jpg 1024w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-768x443.jpg 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-1536x886.jpg 1536w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-2048x1181.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\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><span style=\"font-weight: 400;\">Accumulating vs distributing ETFs<\/span><\/h1><h1>\u00a0<\/h1><p><span style=\"font-weight: 400;\">Accumulating and distributing ETFs are two strategies that handle the income generated from dividends in different ways.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">What are Exchange Traded Funds (ETFs)?<\/span><\/h2><p><span style=\"font-weight: 400;\">Exchange-traded funds (ETFs) are a popular type of investment fund that can be bought and sold on a stock exchange, just like individual stocks.<\/span><\/p><p><span style=\"font-weight: 400;\">By investing in an ETF, you gain access to a diversified basket of assets\u2014such as stocks, bonds, or commodities\u2014through a single transaction. ETFs are designed to track the performance of a specific stock market index, sector, or asset class, making it easy for investors to build a broad investment portfolio without having to pick individual stocks.<\/span><\/p><p><span style=\"font-weight: 400;\">Unlike mutual funds, which are only traded at the end of the trading day, ETFs trade throughout the day on stock exchanges, allowing investors to react quickly to market movements.<\/span><\/p><p><span style=\"font-weight: 400;\">This flexibility, combined with low costs and transparency, has made exchange-traded funds ETFs a go-to choice for many investors looking to manage their investments efficiently and effectively.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">What are Accumulating ETFs?<\/span><\/h2><p><span style=\"font-weight: 400;\">Accumulating ETFs automatically reinvest any income generated, namely dividends, back into the strategy.<\/span><\/p><p><span style=\"font-weight: 400;\">This increases the value of each share or unit of the ETF over time without distributing the gains directly to investors.<\/span><\/p><p><span style=\"font-weight: 400;\">Accumulating ETFs are often preferred by those looking to compound their investments over time without receiving periodic income. Accumulating ETFs are usually chosen for their lower cost structure, which can enhance compounding benefits over time.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">What are Distributing ETFs?<\/span><\/h2><p><span style=\"font-weight: 400;\">Distributing ETFs, conversely, distributes the income they earn, which are dividends paid from the stocks that make up the fund, to investors at set intervals such as monthly or quarterly.<\/span><\/p><p><span style=\"font-weight: 400;\">This provides investors with a stream of income, which can be attractive for those seeking regular earnings from their investments.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">How do ETFs make money?<\/span><\/h2><p><span style=\"font-weight: 400;\">An ETF will show if it is accumulating or distributing in the title of the ETF.<\/span><\/p><p><span style=\"font-weight: 400;\">For example, the <\/span><a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/253743\/ishares-sp-500-b-ucits-etf-acc-fund\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">iShares Core S&amp;P 500 UCITS ETF (Acc)<\/span><\/a><span style=\"font-weight: 400;\"> signals that it is accumulating dividends within the brackets. In contrast, the <\/span><a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/251900\/ishares-sp-500-ucits-etf-inc-fund\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">iShares Core S&amp;P 500 UCITS ETF USD (Dist)<\/span><\/a><span style=\"font-weight: 400;\"> signals that the ETF distributes its dividends.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Investors can purchase these ETFs through a brokerage account or a bank platform.<\/span><\/p><p><span style=\"font-weight: 400;\">Dividends paid out by the securities the ETF holds affect the ETF\u2019s net value. The ETF\u2019s net asset value (NAV) increases when the underlying companies reinvest dividends in the ETF, which in turn increases the value of ETF shares.<\/span><\/p><p><span style=\"font-weight: 400;\">The ETF\u2019s NAV decreases when the ETF distributes dividends to its investors, which can also impact the value of ETF shares.<\/span><\/p><p><span style=\"font-weight: 400;\">Dividend income is generated when companies pay out a portion of their profits as cash. Typically, dividend yields are around 2% from a broad global index, such as the MSCI World.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">The dividend yield is an important performance metric for investors comparing income generation across different ETFs.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">Types of Exchange Traded Funds<\/span><\/h2><p><span style=\"font-weight: 400;\">There is a wide variety of <\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/should-you-invest-in-stocks-or-funds\/\"><span style=\"font-weight: 400;\">exchange-traded funds available<\/span><\/a><span style=\"font-weight: 400;\">, each tailored to different investment objectives and strategies.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Index ETFs<\/b><span style=\"font-weight: 400;\"> are among the most common, tracking a specific stock market index, such as the S&amp;P 500, to provide broad market exposure and diversification.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sector ETFs<\/b><span style=\"font-weight: 400;\"> enable investors to focus on specific industries, such as technology or healthcare, allowing them to target particular areas of the stock market with ease.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Actively managed ETFs<\/b><span style=\"font-weight: 400;\"> are overseen by a fund manager who selects the underlying holdings to outperform the market, offering a more hands-on approach compared to passive index ETFs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors can also choose from <\/span><b>bond ETFs<\/b><span style=\"font-weight: 400;\">, which provide access to the bond market, and commodity ETFs, which track the performance of commodities such as gold or oil.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For those seeking more specialised strategies, <\/span><b>leveraged and inverse ETFs<\/b><span style=\"font-weight: 400;\"> utilise<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/what-are-derivatives\/\"><span style=\"font-weight: 400;\"> derivatives<\/span><\/a><span style=\"font-weight: 400;\"> to amplify gains or provide returns opposite to those of the underlying asset. In contrast, <\/span><b>synthetic ETFs<\/b><span style=\"font-weight: 400;\"> utilise swap contracts to replicate the performance of an index.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Understanding the different types of ETFs and how they track various asset classes is essential for building a diversified and effective investment portfolio.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">Tax implications of ETFs<\/span><\/h2><p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/moneyhub.ee\/en\/news\/special-reports\/taxes-estonia\/\"><span style=\"font-weight: 400;\">taxation<\/span><\/a><span style=\"font-weight: 400;\"> of ETFs varies depending on the specific type of ETF.<\/span><\/p><p>\u00a0<\/p><h3><span style=\"font-weight: 400;\">Types of ETFs and taxation<\/span><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dividend-paying ETFs<\/b><span style=\"font-weight: 400;\">: Dividends are taxed as interest income when received. If the ETF is registered in a country where tax is withheld (e.g. Germany), you can apply for a tax credit in Estonia.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dividend reinvesting ETFs<\/b><span style=\"font-weight: 400;\">: As dividends are not paid out, the income is only taxed as capital gains when the shares are sold.<\/span><\/li><\/ul><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Selecting between accumulating and distributing ETFs boils down to personal financial goals and regional tax implications. Accumulating ETFs suit long-term growth seekers by reinvesting dividends, while distributing ETFs provide regular income. Individual investors may prefer one type over the other depending on their income needs, investment horizon, and strategy.<\/span><\/p><p><span style=\"font-weight: 400;\">Given the tax differences across countries, investors should consider their income needs and tax situation to make a choice that aligns with their<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/investment-strategy\/\"> <span style=\"font-weight: 400;\">investment strategy<\/span><\/a><span style=\"font-weight: 400;\">. Most ETFs available to investors offer both accumulating and distributing options, reflecting their popularity and flexibility.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accumulating ETFs automatically reinvest any income generated back into the strategy. They suit long-term growth seekers by reinvesting dividends, while distributing ETFs provide regular income.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Distributing ETFs distribute the income they earn to investors at set intervals, such as monthly or quarterly<\/span><\/li><\/ul><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">ETFs vs other investments<\/span><\/h2><p><span style=\"font-weight: 400;\">When comparing exchange-traded funds to other investment options such as mutual funds and <\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/should-you-invest-in-stocks-or-funds\/\"><span style=\"font-weight: 400;\">individual stocks<\/span><\/a><span style=\"font-weight: 400;\">, several advantages stand out.<\/span><\/p><p><span style=\"font-weight: 400;\">ETFs are known for their low cost, as they typically have lower management fees than mutual funds, making them an attractive choice for cost-conscious investors. The ability to trade ETFs throughout the day at market prices provides greater flexibility than mutual funds, which only process trades at the end of the day based on net asset value.<\/span><\/p><p><span style=\"font-weight: 400;\">ETFs also offer transparency, with daily disclosure of their underlying holdings, and are generally more tax-efficient, helping investors manage capital gains tax more effectively.<\/span><\/p><p><span style=\"font-weight: 400;\">Unlike investing in individual stocks, which can expose you to the risk of a single company, ETFs offer built-in diversification across multiple securities.<\/span><\/p><p><span style=\"font-weight: 400;\">When evaluating mutual funds and ETFs, it\u2019s essential to consider factors such as net asset value, capital gains, and your own investment objectives to determine which option best suits your needs.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">Investing in Bond ETFs &#8211; the lower risk choice<\/span><\/h2><p><span style=\"font-weight: 400;\">Bond ETFs are a safer way for investors to access the bond markets and add stability to their investment portfolios.<\/span><\/p><p><span style=\"font-weight: 400;\">These exchange-traded funds (ETFs) track specific bond indices and hold a mix of bonds with varying maturities and credit ratings, offering exposure to government bonds, corporate bonds, or high-yield bonds, depending on the ETF\u2019s focus.<\/span><\/p><p><span style=\"font-weight: 400;\">Bond ETFs can diversify your portfolio, provide a steady stream of income, and<\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/investment-risk\/\"> <span style=\"font-weight: 400;\">reduce overall risk<\/span><\/a><span style=\"font-weight: 400;\">. When selecting a bond ETF, it\u2019s essential to consider factors such as interest rate risk, credit risk, and liquidity risk, as well as the ETF\u2019s management fees and its degree of correlation with its benchmark index.<\/span><\/p><p><span style=\"font-weight: 400;\">By carefully evaluating these aspects and aligning them with your investment objectives, you can use bond ETFs to create a balanced and resilient investment strategy.<\/span><\/p><h1>\u00a0<\/h1><h2><span style=\"font-weight: 400;\">Choose which ETF is better for you<\/span><\/h2><p><span style=\"font-weight: 400;\">In choosing between accumulating and distributing ETFs, the key lies in aligning the investment structure with your financial goals, tax environment, and income requirements.<\/span><\/p><p><span style=\"font-weight: 400;\">Accumulating ETFs may appeal to long-term investors seeking compounding growth, as reinvested dividends quietly build wealth over time without requiring active management.<\/span><\/p><p><span style=\"font-weight: 400;\">On the other hand, distributing ETFs are well suited to those who value regular cash flow, such as retirees or income-focused investors, offering predictability through scheduled payouts.<\/span><\/p><p><span style=\"font-weight: 400;\">While the long-term tax impact of both types may be broadly similar\u2014particularly in Estonia\u2014understanding the nuances of local tax rules can still influence your decision.<\/span><\/p><p><span style=\"font-weight: 400;\">Fortunately, most major ETFs now come in both accumulating and distributing variants (see the choices mentioned in<\/span><a href=\"https:\/\/www.lhv.ee\/en\/investment-funds\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> LHV<\/span><\/a><span style=\"font-weight: 400;\"> and other banks, as well as the<\/span><a href=\"https:\/\/lightyear.com\/en-ee\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400;\">Lightyear<\/span><\/a><span style=\"font-weight: 400;\"> app), allowing investors to customise their approach with flexibility. Whether you prioritise reinvestment or income, both options offer access to the benefits of ETFs: diversification, liquidity, and cost-efficiency in building a resilient portfolio.<\/span><\/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>The different approaches of accumulating and distributing ETFs boil down to personal financial goals and your tax implications.<\/p>\n","protected":false},"author":3,"featured_media":20931,"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-20930","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\/07\/tyler-prahm-AWI17F-ocGM-unsplash-150x150.jpg",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-scaled.jpg",800,461,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\/07\/tyler-prahm-AWI17F-ocGM-unsplash-scaled.jpg",800,461,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-scaled.jpg",800,461,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-scaled.jpg",800,461,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-150x150.jpg",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-300x173.jpg",300,173,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-1024x591.jpg",800,462,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-1536x886.jpg",1536,886,true],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/07\/tyler-prahm-AWI17F-ocGM-unsplash-2048x1181.jpg",2048,1181,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":"The different approaches of accumulating and distributing ETFs boil down to personal financial goals and your tax implications.","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/20930","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=20930"}],"version-history":[{"count":0,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/20930\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/20931"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=20930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/categories?post=20930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/tags?post=20930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}