{"id":6754,"date":"2026-06-17T05:46:49","date_gmt":"2026-06-17T05:46:49","guid":{"rendered":"https:\/\/www.paytmmoney.com\/blog\/?p=6754"},"modified":"2026-06-17T05:47:19","modified_gmt":"2026-06-17T05:47:19","slug":"asset-allocation-by-age-portfolio-allocation-strategy","status":"publish","type":"post","link":"https:\/\/www.paytmmoney.com\/blog\/asset-allocation-by-age-portfolio-allocation-strategy\/","title":{"rendered":"Asset Allocation Strategy by Age: From Your 20s to Retirement"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Have you ever noticed how two friends with the same salary and the same goal can end up with very different results from their investments? More often than not, the issue is not the stocks they choose or the <\/span><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">mutual funds<\/span><\/span><\/a><span style=\"font-weight: 400;\"> they invest in, but the overall structure of their portfolio. It is how they divided their money in the first place. That single decision sits at the heart of asset allocation by age, and it can quietly make or break your financial journey.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is that you do not need to be a market expert to get this right. You simply need a sensible plan that grows and shifts as you do. In this guide, we will walk through a practical portfolio allocation strategy for every stage of life, exploring how asset allocation by age and portfolio allocation by age can help investors balance risk and growth over the long term, so your money keeps working towards your goals.<\/span><\/p>\n<h2><b>What Is Asset Allocation and How Does It Work?<\/b><\/h2>\n<p><a href=\"https:\/\/www.paytmmoney.com\/blog\/asset-allocation-portfolio-management\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">Asset allocation<\/span><\/span><\/a><span style=\"font-weight: 400;\"> is the way you spread your money across different types of investments. Rather than putting everything into one basket, you balance risk and reward by holding a mix of assets. The main categories are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Equity:<\/b><span style=\"font-weight: 400;\"> higher potential returns, but greater volatility.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Debt: <\/b><span style=\"font-weight: 400;\">stability and a more predictable income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gold and commodities:<\/b><span style=\"font-weight: 400;\"> a hedge against inflation and a useful tool for diversification.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liquid assets:<\/b><span style=\"font-weight: 400;\"> easy access to cash for short-term needs.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When you blend these thoughtfully, you lower the overall risk of your portfolio and improve the chances of steady, long-term growth. Two people chasing the same goal may still hold very different mixes, depending on how much risk each one is willing and able to take.<\/span><\/p>\n<h2><b>Why Asset Allocation Matters in Portfolio Management<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Even the best-performing asset class is of little use without a sensible plan behind it. A strong asset allocation strategy answers three plain questions: where to invest, how to invest, and how much to invest in each asset class.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you have those answers, you can set the ratio in which your money flows into equity, debt and gold. Age plays a big part here, because <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/analyse-mutual-fund-portfolio-paytm-money\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">portfolio management<\/span><\/span><\/a><span style=\"font-weight: 400;\"> is not a one-off task. It is a living process that needs regular monitoring and the occasional course correction. There is no single rule that suits everyone, and the right balance shifts as you move from one life stage to the next.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While age-based investing frameworks provide a useful starting point, investors should also consider their broader financial situation. In India, factors such as EPF and PPF holdings, real estate ownership, existing insurance coverage, family responsibilities, and upcoming financial goals can influence the ideal asset allocation. As a result, two investors of the same age may still require different portfolio allocations based on their individual circumstances.<\/span><\/p>\n<h2><b>Risk Attitude vs Risk Capacity<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Your overall risk profile has two sides that are easy to confuse. Risk attitude is about your emotional comfort with market ups and downs. Risk capacity is about your financial ability to absorb a loss without derailing your goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Picture a 30-year-old earning a healthy salary at a large company, yet holding mostly <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/how-to-choose-right-debt-mutual-fund-investment-goals\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">debt funds<\/span><\/span><\/a><span style=\"font-weight: 400;\"> and money market instruments. On paper, their age and income suit equity, but their cautious mindset pulls them towards safer choices. That makes them a conservative investor by temperament.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a rule, your appetite for risk tends to fall as you get older. When you are young, you earn more easily and can switch jobs to lift your income, so a market dip feels less alarming. Closer to retirement, your savings may be your main source of income, which naturally limits how much risk you can afford to take.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If your risk attitude and risk capacity do not align, it may be prudent to build a portfolio that reflects the more conservative of the two. This can help you stay invested through market volatility while ensuring your investments remain aligned with your financial goals and circumstances.<\/span><\/p>\n<h2><b>The Simple Rule of Thumb for Asset Allocation by Age<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A handy starting point for asset allocation by age is the 100 minus age rule. You subtract your current age from 100, and the result is a rough guide to how much of your portfolio could sit in equity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you are 34, you might hold around 66% in equity. If you are 25, the rule points to roughly 75% in equity and the remaining 25% in debt and other fixed income securities. As you grow older, the plan gently tilts away from equity and towards debt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To make that shift smooth, you can use a systematic transfer plan (STP) to move money from equity funds into a safer option such as a liquid fund. Later, a systematic withdrawal plan (SWP) lets you draw a regular income from that pot when you need it.<\/span><\/p>\n<h2><b>How to Evaluate Your Asset Allocation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Before settling on a mix, it helps to ask yourself a few honest questions:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Time horizon:<\/b><span style=\"font-weight: 400;\"> when will you actually need this money?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financial goals:<\/b><span style=\"font-weight: 400;\"> are you saving for a first home, your children&#8217;s education or retirement?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investment objective:<\/b><span style=\"font-weight: 400;\"> do you want growth or income?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Risk tolerance:<\/b><span style=\"font-weight: 400;\"> do market falls keep you awake at night?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Income sources:<\/b><span style=\"font-weight: 400;\"> are you still working, or already retired?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Your answers reveal whether you are an aggressive, moderate or conservative investor. That label then shapes how much you hold in stocks, bonds, cash and other assets. Conventions are only a starting point, though. An older investor focused on leaving wealth to their heirs, for instance, may choose to stay more aggressive than their peers.<\/span><\/p>\n<h2><b>Ideal Asset Allocation by Age, Stage by Stage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The table below sets out a practical, age-based asset allocation strategy you can adapt to your own situation.<\/span><\/p>\n<div class=\"wp-block-table\" style=\"width: 100%; border: 1px solid #000000; margin-bottom: 20px;\">\n<table style=\"width: 100%; border-collapse: collapse; font-family: Arial, sans-serif; font-size: 15px; color: #000000; background-color: #ffffff;\">\n<thead>\n<tr style=\"border-bottom: 2px solid #000000;\">\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff; width: 25%;\">Life stage<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff; width: 25%;\">Equity<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff; width: 25%;\">Debt<\/th>\n<th style=\"padding: 12px; border: 1px solid #000000; text-align: left; font-weight: bold; background-color: #ffffff;\">Gold \/ Liquid<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">In your 20s<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">80%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">15%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">5%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">In your 30s<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">70%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">25%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">5%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">In your 40s<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">60%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">35%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">5%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">In your 50s<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">40%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">50%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">10%<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #000000; font-weight: bold;\">60s and beyond<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">20%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">65%<\/td>\n<td style=\"padding: 10px; border: 1px solid #000000;\">15%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"font-weight: 400;\">Here is a little more detail on each stage:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In your 20s, aggressive growth mode: a long investment horizon allows maximum equity exposure. Start SIPs in diversified equity mutual funds to let compounding do the heavy lifting, and avoid parking too much in fixed deposits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In your 30s, growth with stability: begin funding long-term goals such as your children&#8217;s education. Add term insurance and an emergency fund, and consider flexi-cap, hybrid and ELSS funds.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In your 40s, balanced growth and protection: lean a little towards preserving capital while keeping growth alive. Diversify across equity mutual funds, index funds and debt products.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In your 50s, the pre-retirement safety net: focus on protecting your retirement corpus, and consider <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/how-monthly-sip-can-create-side-income-through-swp\/\"><span style=\"font-weight: 400;\"><span style=\"color: #00b0ff; font-weight: 600;\">Systematic Withdrawal Plans (SWPs)<\/span><\/span><\/a><span style=\"font-weight: 400;\"> for a predictable income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In your 60s and beyond, income and security: put stability and liquidity first, but keep a slice of equity to help fight inflation.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-size: 10pt;\"><b><i>Note:<\/i><\/b><i><span style=\"font-weight: 400;\"> The asset allocation percentages shown above are illustrative in nature and are based on a general age-based framework. They should not be construed as investment advice or a recommendation to invest in any particular asset class. The appropriate asset allocation for an individual may vary depending on factors such as financial goals, investment horizon, risk tolerance, income, liabilities, and overall financial circumstances.\u00a0<\/span><\/i><\/span><\/p>\n<h2><b>Myths to Avoid in Asset Allocation by Age<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A few stubborn beliefs trip people up:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;I am too young for debt.&#8221; Even young investors benefit from some stability.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Gold is the safest asset.&#8221; Gold only shines when balanced with other asset classes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Once I start a SIP, I am set.&#8221; Regular reviews are essential to keep your plan on track.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;Only high earners need planning.&#8221; Structured financial planning helps everyone, not just the wealthy.<\/span><\/li>\n<\/ul>\n<h2><b>Key Takeaways<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Asset allocation by age helps balance growth potential and investment risk throughout different stages of life.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Younger investors generally allocate a larger portion of their portfolio to equity, while older investors often increase exposure to debt and liquid assets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The 100 minus age rule can serve as a simple starting point for determining equity allocation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk tolerance, financial goals, income stability, and investment horizon are equally important when deciding portfolio allocation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reviewing and rebalancing your portfolio regularly helps ensure your investments remain aligned with changing life circumstances and long-term objectives.<\/span><\/li>\n<\/ul>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A smart asset allocation by age plan is less about chasing the hottest investment and more about matching your money to your life. Review your portfolio whenever something big changes, such as a new job, a growing family or a step closer to retirement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Asset allocation is not a one-time decision but an ongoing process. As your goals, responsibilities, income, and risk profile evolve, your portfolio should evolve with them. By periodically reviewing and rebalancing your portfolio allocation by age, you can maintain the right balance between growth opportunities and risk management while staying focused on your long-term financial objectives.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do that, and your investments can keep supporting the future you are building.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 10pt;\"><b><i>Disclaimer: <\/i><\/b><i><span style=\"font-weight: 400;\">Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. This content is purely for informational purposes only and should not be considered as investment advice or a recommendation. Securities quoted are for illustration purposes only and not recommendatory. Investors are requested to do their own due diligence before investing.<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">Paytm Money Ltd. SEBI Reg. No. Broking \u2013 INZ000240532; Depository Participant \u2013 IN \u2013 DP \u2013 416 \u2013 2019, Depository Participant Number: CDSL \u2013 12088800. Trading and clearing member of NSE (90165, M52073), BSE (6707), MCX (57525), NCDEX (1315, M51110), and MSEI (85300). SEBI Reg. No. Research Analyst \u2013 INH000020086. Regd. Office: 136, 1st Floor, Devika Tower, Nehru Place, Delhi \u2013 110019. For complete Terms &amp; Conditions and Disclaimers visit: <\/span><\/i><a href=\"https:\/\/www.paytmmoney.com\/stocks\/policies\/terms\"><i><span style=\"font-weight: 400;\">https:\/\/www.paytmmoney.com\/stocks\/policies\/terms<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">\u00a0<\/span><\/i><\/span><\/p>\n<h2><b>FAQs<\/b><\/h2>\n<div style=\"max-width: 100%; margin: 20px 0; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">\n<style>\n        \/* Hides default browser arrow\/triangle for a clean professional look *\/<br \/>        summary::-webkit-details-marker { display: none; }<br \/>        summary { list-style: none; outline: none; }<br \/>    <\/style>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">1. What is asset allocation by age?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">Asset allocation by age is an investment approach that adjusts the mix of equity, debt, gold, and other assets based on an investor&#8217;s age, risk tolerance, financial goals, and investment horizon to balance growth and stability.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">2. What is the 100 minus age rule in asset allocation?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">The 100 minus age rule suggests subtracting your age from 100 to estimate the percentage of your portfolio that could be invested in equity. The remaining allocation may be invested in debt and other assets.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">3. Why does asset allocation change with age?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">As investors grow older, preserving capital often becomes more important than pursuing aggressive growth. This typically leads to a gradual shift from higher-risk assets like equity towards relatively stable investments such as debt instruments.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">4. How often should I review my asset allocation?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">Investors should review their asset allocation at least once a year or whenever significant life events occur, such as marriage, parenthood, career changes, retirement planning, or major changes in financial goals.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #e2e8f0; padding: 15px 0; cursor: pointer;\">\n<summary style=\"display: flex; justify-content: space-between; align-items: center; width: 100%;\"><span style=\"font-weight: 600; color: #1a202c; font-size: 18px; text-align: left;\">5. Is age the only factor that determines asset allocation?<\/span><br \/>\n<span style=\"font-size: 24px; color: #007bff; margin-left: 10px;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; color: #4a5568; line-height: 1.6; text-align: left;\">No. While age is an important consideration, factors such as risk appetite, income stability, financial responsibilities, investment experience, liquidity needs, and long-term objectives also influence the ideal portfolio allocation.<\/div>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Have you ever noticed how two friends with the same salary and the same goal can end up with very different results from their investments? More often than not, the issue is not the stocks they choose or the mutual funds they invest in, but the overall structure of their portfolio. It is how they<a href=\"https:\/\/www.paytmmoney.com\/blog\/asset-allocation-by-age-portfolio-allocation-strategy\/\">Continue reading <span class=\"sr-only\">&#8220;Asset Allocation Strategy by Age: From Your 20s to Retirement&#8221;<\/span><\/a><\/p>\n","protected":false},"author":51,"featured_media":6755,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[827,6],"tags":[2066,2062,2065,2068,2064,2069,2063,2071,2067,2070],"class_list":["post-6754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","category-personal-finance","tag-age-based-asset-allocation","tag-asset-allocation-by-age","tag-asset-allocation-strategy","tag-equity-allocation","tag-ideal-asset-allocation","tag-investment-portfolio","tag-portfolio-allocation-strategy","tag-retirement-portfolio","tag-risk-profile","tag-risk-tolerance"],"_links":{"self":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/comments?post=6754"}],"version-history":[{"count":0,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6754\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media\/6755"}],"wp:attachment":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media?parent=6754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/categories?post=6754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/tags?post=6754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}