{"id":21056,"date":"2025-08-21T00:27:33","date_gmt":"2025-08-20T22:27:33","guid":{"rendered":"https:\/\/moneyhub.ee\/?p=21056"},"modified":"2025-08-06T15:30:51","modified_gmt":"2025-08-06T13:30:51","slug":"etf-performance-returns","status":"publish","type":"post","link":"https:\/\/moneyhub.ee\/en\/useful\/articles\/etf-performance-returns\/","title":{"rendered":"Understanding ETF performance and what impacts returns"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"21056\" class=\"elementor elementor-21056\" 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\">Explore the key factors that influence ETF performance and understand how they impact your investment returns. Read the article to enhance your strategy.<\/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=\"450\" src=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns-.png\" class=\"attachment-full size-full wp-image-21058\" alt=\"Understanding ETF performance and what impacts returns\" srcset=\"https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns-.png 800w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--300x169.png 300w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--1024x576.png 1024w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--768x432.png 768w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--1536x864.png 1536w, https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--2048x1152.png 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><b>Avoiding ETF performance pitfalls<\/b><\/h1><p><span style=\"font-weight: 400;\">Measuring performance should be straightforward, but the same investment can appear quite different when viewed on other websites. An <\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/how-to-invest-in-funds\/\"><span style=\"font-weight: 400;\">exchange-traded fund (ETF)<\/span><\/a><span style=\"font-weight: 400;\"> is a type of investment fund that holds a diversified portfolio of securities, including <\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/should-you-invest-in-stocks-or-funds\/\"><span style=\"font-weight: 400;\">stocks and bonds<\/span><\/a><span style=\"font-weight: 400;\">, from numerous companies.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">To make sure you\u2019re not caught out, we explain the main performance pitfalls and the most important differences between various calculation methods, so that you know you\u2019re constantly comparing apples to apples.<\/span><\/p><p><span style=\"font-weight: 400;\">The significant factors that can alter an ETF\u2019s return or performance calculation include:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How distributions are treated<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What time of day the price was taken<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Subtle variations in periods, e.g. the definition of a year<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Which currency is being used<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Currency conversion methodology<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The underlying holdings and assets of an ETF, which can include sometimes thousands of securities from different companies, also play a role in performance calculation.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Slight differences in these factors can lead to significant discrepancies in the performance of an ETF. It can be like comparing the speed of Formula One cars without knowing which are being clocked in miles per hour and which are using kilometres per hour.<\/span><\/p><p><span style=\"font-weight: 400;\">So let\u2019s take each factor in turn and show you what to look out for.<\/span><\/p><h2><b>Performance treatment of distributions in accumulating and distributing ETFs: addition vs. reinvestment<\/b><\/h2><p><span style=\"font-weight: 400;\">It can be challenging to compare the returns of a <\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/accumulating-vs-distributing-etfs\/\"><span style=\"font-weight: 400;\">distributing ETF versus an accumulating<\/span><\/a><span style=\"font-weight: 400;\"> (or capitalising) one.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Accumulating ETFs are often labelled with &#8216;acc&#8217; at the end of their names, indicating that dividends are reinvested automatically rather than distributed to investors.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">A distributing ETF pays out all dividends or interest.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">At the same time, an accumulating ETF reinvests that income back into the fund\u2014so the investor automatically benefits from compounding returns (you earn interest on your interest).<\/span><\/p><p><span style=\"font-weight: 400;\">The profits generated by each company held within the ETF are paid out as dividends; companies pay these dividends to the ETF, which then decides whether to distribute them or reinvest them, depending on the fund type.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Distributing ETFs distribute dividends, which are distributed as money to shareholders, providing regular income that can be used for expenses or reinvested to buy more shares. The more shares an investor owns in a distributing ETF, the more dividend income they receive, as dividends are paid per share. This regular income appeals to investors seeking consistent cash flows, and the money received can help cover personal expenses or be used to purchase more shares.<\/span><\/p><p><span style=\"font-weight: 400;\">In contrast, accumulating ETFs reinvest dividends from their underlying holdings automatically, increasing the net value of the fund without incurring extra expense or additional fees for the investor. This reinvestment process is seamless and requires no manual intervention, allowing shareholders to benefit from compounding growth over time.<\/span><\/p><p><span style=\"font-weight: 400;\">Without an adjustment, an accumulating ETF will appear to grow faster than a distributing ETF that doesn\u2019t reinvest income.<\/span><\/p><p><span style=\"font-weight: 400;\">The most common method of ensuring a fair comparison between distributing and accumulating ETFs is to assume all distributions are reinvested back into the ETF.<\/span><\/p><p><span style=\"font-weight: 400;\">This way, you can compare the growth of both types of ETF on a total return basis, including any capital appreciation, as well as the compounding effect of income reinvested in new shares of the fund.<\/span><\/p><h2><b>What is the ex-dividend date?<\/b><\/h2><p><span style=\"font-weight: 400;\">The price of an ETF is reduced by the amount of its forthcoming distribution on the ex-dividend date. This is to ensure a fair price for investors who won\u2019t qualify to receive the dividend if they buy into the ETF on or after the ex-dividend date.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">A seller doesn\u2019t receive the dividend either if they sell before the ex-dividend date. The distribution is paid on the payment date. This date typically occurs several days, or occasionally a few weeks, after the ex-dividend date.<\/span><\/p><p><span style=\"font-weight: 400;\">An alternative method is to add the value of the distributions to an ETF\u2019s price, rather than reinvesting them. Distributions treated this way don\u2019t count as producing further income, and so the powerful compound effect is sheared off from the ETF\u2019s track record.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">This can lead to a wide performance gap over time between the two methods, especially in growing markets.<\/span><\/p><p><b>Blue <\/b><span style=\"font-weight: 400;\">\u00a0Return with added dividends\u00a0 <\/span><b>Orange<\/b><span style=\"font-weight: 400;\"> Return with reinvested dividends\u00a0\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Some websites don\u2019t take distributions into account at all. They only track the capital appreciation of an ETF (known as the price return) and completely fail to show the impact that income has on performance.<\/span><\/p><h2><b>Price time and the source may differ<\/b><\/h2><p><span style=\"font-weight: 400;\">The price of an ETF fluctuates constantly as it trades, but its performance is measured by a single price taken at a particular time during the day. ETFs can be bought and sold throughout the trading day on stock exchanges, and their prices may fluctuate based on when they are sold.<\/span><\/p><p><span style=\"font-weight: 400;\">Naturally, performance changes depending on when that snapshot is taken.<\/span><\/p><p><span style=\"font-weight: 400;\">The official value of an ETF is published daily by the ETF provider and is known as the NAV (Net Asset Value). However, the closing price on a stock exchange may differ significantly.<\/span><\/p><p><span style=\"font-weight: 400;\">Therefore, it\u2019s vital to know whether you are looking at the published NAV or the stock exchange price and at what time the price was taken.<\/span><\/p><p><span style=\"font-weight: 400;\">The London Stock Exchange closes at 18:30 (EET) while the New York Stock Exchange closes at 23:00 (EET). Four and a half hours is plenty of time for an ETF\u2019s price to change.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Even if the ETF is no longer traded on the LSE, its underlying stocks may still be traded on a different exchange around the globe, which can impact the ETF&#8217;s price. You should use NAV, whenever possible, to calculate performance. However, since the NAV is sometimes published with a delay by the ETF provider, justETF uses stock market closing prices to \u201cbridge\u201d any missing days. To perform pure NAV comparisons, use end-of-month values for comparison.<\/span><\/p><h2><b>Currency and exchange rates matter<\/b><\/h2><p><span style=\"font-weight: 400;\">Performance can be presented in an ETF\u2019s trading currency, fund currency, or in the investor&#8217;s home currency. Of course, UK investors care about the return in pounds, but websites that focus on NAV often report it in the fund&#8217;s currency.<\/span><\/p><p><span style=\"font-weight: 400;\">Platforms always display performance in the investor\u2019s home currency, and it\u2019s also possible to switch between GBP, USD, CHF, or EUR. Some ETFs, such as ETF USD, are denominated in US dollars, so comparing their performance with ETFs in other currencies requires careful attention to currency conversion and exchange rates.<\/span><\/p><p><span style=\"font-weight: 400;\">Even when performance is converted into your home currency, metrics can vary depending on the <\/span><a href=\"https:\/\/moneyhub.ee\/en\/useful\/articles\/etf-currency-risk\/\"><span style=\"font-weight: 400;\">currency exchange rate<\/span><\/a><span style=\"font-weight: 400;\"> used.<\/span><\/p><p><span style=\"font-weight: 400;\">For example, many websites use the official ECB exchange rate, set at 13:15 (GMT) \/ 14:15 (EET). However, the Reuters 16:00 CET rate is also widely used.<\/span><\/p><p><span style=\"font-weight: 400;\">And because different exchange rates set at various times result in different prices, you end up with an apple-to-orange comparison.<\/span><\/p><h2><b>Time period lengths and definitions are inconsistent<\/b><\/h2><p><span style=\"font-weight: 400;\">You might think we can all agree on what a year is, but creative differences exist even here.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">Many websites offer to display the last calendar year or rolling periods of three and five years, but performance comparisons only work if the start and end dates are consistent.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">The starting date of a year is particularly troublesome, as some define it as the last banking day of the previous year, while others plump for the first banking day of the year. In the latter case, the value of the first day is over-emphasised, as the NAV is usually calculated at the end of the day.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">To remove any doubt, look for a website that displays the dates covered by the performance period you\u2019re interested in.<\/span><\/p><h2><b>Price return charts versus total return charts<\/b><\/h2><p><span style=\"font-weight: 400;\">Finally, be aware of whether you\u2019re being shown a price return or a total return chart. A price return chart reveals historical buying prices, but discards the distributions side of performance.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">A total return chart assumes all distributions are reinvested and gives the complete performance picture.<\/span><\/p><h2><b>Tax efficiency and after-tax performance pitfalls<\/b><\/h2><p><span style=\"font-weight: 400;\">When comparing the performance of exchange-traded funds, it\u2019s easy to overlook the impact of taxes\u2014but tax efficiency can make a significant difference to your long-term returns. The choice between accumulating ETFs and distributing ETFs is not just about how income is handled; it also has significant tax implications that can affect your financial well-being.<\/span><\/p><p><span style=\"font-weight: 400;\">In many regions, the way dividend income is taxed can influence whether accumulating or distributing ETFs are more tax-efficient.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In Estonia and other European countries, tax rules can be more favourable for accumulating ETFs. In some jurisdictions, taxes on dividends are only triggered when the income is actually paid out to the investor. As a result, accumulating ETFs\u2014where dividends are reinvested and not paid out as cash\u2014can allow investors to defer taxes, potentially compounding their returns more efficiently over time. This makes accumulating funds an attractive option for long-term investors seeking to maximise the total value of their investments.<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s also important to consider how the net asset value (NAV) of accumulating ETFs grows as dividends are reinvested. While this can boost the value of your investment, it may also result in a higher capital gains tax bill when you eventually sell the ETF, as the NAV reflects all reinvested income. In contrast, distributing ETFs pay out dividends regularly, which can keep the NAV more stable but may result in ongoing income tax liabilities as you receive cash payments.<\/span><\/p><p><span style=\"font-weight: 400;\">Your individual circumstances\u2014such as your investment goals, risk tolerance, and eligibility for tax reliefs\u2014should play a key role in your decision.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">To make an informed choice, it\u2019s helpful to compare the after-tax performance of both types of ETFs using a benchmark like the MSCI World index, which tracks stocks from developed markets. Many providers, such as iShares Core, offer both accumulating and distributing versions of popular ETFs, allowing investors to select the option that best matches 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;\"> and personal tax situation.<\/span><\/p><p><span style=\"font-weight: 400;\">Ultimately, the right choice between accumulating and distributing ETFs depends on your individual circumstances, including your tax position, investment goals, and how you want to receive income generated by your investments. Understanding the tax implications of your ETF choices\u2014and seeking advice from a financial advisor if needed\u2014can help you optimise your returns and achieve your long-term financial objectives.<\/span><\/p><h2><b>Checklist: What to look out for when comparing ETF performance<\/b><\/h2><p><span style=\"font-weight: 400;\">Here\u2019s a quick summary of the important factors when comparing the performance of an ETF on different sites:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do prices use the official NAV, or stock exchange quotes?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">From which trading centre do the stock exchange prices originate?\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What time were the prices taken?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are distributions included?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If yes, are the distributions added onto the NAV (or stock exchange price), or are they (mathematically) reinvested?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Which currency is being used?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Which exchange rate is used for currency conversion?<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Does the website show price return or total return charts?<\/span><\/li><\/ul><h1>\u00a0<\/h1>\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>Explore the key factors that influence ETF performance and understand how they impact your investment returns. Read the article to enhance your strategy.<\/p>\n","protected":false},"author":3,"featured_media":21058,"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-21056","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\/08\/Understanding-ETF-performance-and-what-impacts-returns--150x150.png",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns-.png",800,450,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\/08\/Understanding-ETF-performance-and-what-impacts-returns-.png",800,450,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns-.png",800,450,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns-.png",800,450,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--150x150.png",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--300x169.png",300,169,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--1024x576.png",800,450,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--1536x864.png",1536,864,true],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/08\/Understanding-ETF-performance-and-what-impacts-returns--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":"Explore the key factors that influence ETF performance and understand how they impact your investment returns. Read the article to enhance your strategy.","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/21056","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=21056"}],"version-history":[{"count":2,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/21056\/revisions"}],"predecessor-version":[{"id":21412,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/posts\/21056\/revisions\/21412"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/21058"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=21056"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/categories?post=21056"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/tags?post=21056"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}