{"id":20453,"date":"2021-02-24T09:45:25","date_gmt":"2021-02-24T09:45:25","guid":{"rendered":"https:\/\/demo.munark.in\/sinhasi\/?p=20453"},"modified":"2025-02-18T10:13:53","modified_gmt":"2025-02-18T10:13:53","slug":"children-education-usa-currency-risk","status":"publish","type":"post","link":"https:\/\/demo.munark.in\/sinhasi\/children-money-with-sinhasi\/children-education-usa-currency-risk\/","title":{"rendered":"Children&#8217;s Education in USA: Dealing with the Currency Risks"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20453\" class=\"elementor elementor-20453\">\n\t\t\t\t        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-73963ea elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"73963ea\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8fa39a1 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"8fa39a1\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2273998 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"2273998\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b6478fe pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"b6478fe\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-ddfcec7 elementor-widget elementor-widget-image\" data-id=\"ddfcec7\" data-element_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=\"1000\" height=\"600\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi_childrens_education_usa_dealing_with_the_currency_risks_blog_banner.jpg\" class=\"attachment-large size-large wp-image-20455\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi_childrens_education_usa_dealing_with_the_currency_risks_blog_banner.jpg 1000w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi_childrens_education_usa_dealing_with_the_currency_risks_blog_banner-300x180.jpg 300w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi_childrens_education_usa_dealing_with_the_currency_risks_blog_banner-768x461.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\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            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4114304 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"4114304\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-aa4c3b9 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"aa4c3b9\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-40e21b0 elementor-widget elementor-widget-text-editor\" data-id=\"40e21b0\" data-element_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<p>Giving children the best of education is a dream for all Indian parents. Many parents aspire to send their children abroad to pursue their higher studies, especially to the USA.<\/p><p><strong>According to the 2017\/18 Open Doors Report on International Educational Data<\/strong>\u00a0released by IIE &amp; US Department of State Bureau of Educational and Cultural Affairs,\u00a0<strong>number of Indian students in USA was 1,96,271 as on 2017\/18<\/strong>\u00a0and this is an increase of 10,000 students over the previous year 2016\/17.\u00a0<strong>India is the second leading place of origin for students\u00a0headed to the US<\/strong>\u00a0comprising of 17.92% of all the international students, which is a high number.<\/p><p>Pursuing education abroad requires better Financial Planning, and most important, understanding and\u00a0<strong>planning for currency fluctuations<\/strong>. Hence,\u00a0<strong>this article analyses the currency risk involved in pursuing education in USA<\/strong>\u00a0and intends to answer the following few questions.<\/p><ol><li>Will investments in India be good enough to reach this goal?<\/li><li>What will be the impact of the depreciation of INR vs the USD?<\/li><li>Is it good to plan investments in USD for this goal and where?<\/li><\/ol><p>To answer the above questions, we have done the performance analysis of Indian Equity (Index &amp; few Mutual Funds) v\/s US Equity (Index &amp; active mutual fund) along with INR vs USD currency movement.<\/p><p>Following are the performance details of SENSEX, HDFC Equity Fund, ABSL Equity Fund, ICICI Pru Bluechip Fund, DOW Jones Index, NASDAQ 100, S&amp;P 500, INR V\/s USD, Franklin US Opportunities Fund (Fund of Funds investing in US markets).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78c7394 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"78c7394\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59e4356 elementor-widget elementor-widget-heading\" data-id=\"59e4356\" data-element_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\">10 YEAR PERFORMANCE SUMMARY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ca44ba elementor-widget elementor-widget-text-editor\" data-id=\"5ca44ba\" data-element_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<p>(As on 29-July-2019)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b4c931 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"9b4c931\" data-element_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 decoding=\"async\" width=\"864\" height=\"418\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-desktop.jpg\" class=\"attachment-full size-full wp-image-20456\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-desktop.jpg 864w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-desktop-300x145.jpg 300w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-desktop-768x372.jpg 768w\" sizes=\"(max-width: 864px) 100vw, 864px\" \/>\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<div class=\"elementor-element elementor-element-bed9129 elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-widget elementor-widget-image\" data-id=\"bed9129\" data-element_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 decoding=\"async\" width=\"600\" height=\"1079\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-mob-view.jpg\" class=\"attachment-full size-full wp-image-20479\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-mob-view.jpg 600w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-mob-view-167x300.jpg 167w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-mob-view-569x1024.jpg 569w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-10-years-index-mob-view-395x710.jpg 395w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\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<div class=\"elementor-element elementor-element-9c5703c elementor-widget elementor-widget-text-editor\" data-id=\"9c5703c\" data-element_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<p>As per the above chart, 10 year returns of US equities + Rupee Depreciation is almost the same as Indian equities i.e. ( range between 14%-18% p.a.) except NASDAQ 100 i.e (23%)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61900df elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"61900df\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e97cc04 elementor-widget elementor-widget-heading\" data-id=\"e97cc04\" data-element_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\">5 YEAR PERFORMANCE SUMMARY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-373c5c0 elementor-widget elementor-widget-text-editor\" data-id=\"373c5c0\" data-element_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<p>(As on 29-July-2019)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f37a437 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"f37a437\" data-element_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 loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"429\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-desktop.jpg\" class=\"attachment-full size-full wp-image-20457\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-desktop.jpg 864w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-desktop-300x149.jpg 300w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-desktop-768x381.jpg 768w\" sizes=\"(max-width: 864px) 100vw, 864px\" \/>\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<div class=\"elementor-element elementor-element-09bb3cf elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-widget elementor-widget-image\" data-id=\"09bb3cf\" data-element_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 loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"1010\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-mob-view.jpg\" class=\"attachment-full size-full wp-image-20480\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-mob-view.jpg 600w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-mob-view-178x300.jpg 178w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-5-years-index-mob-view-422x710.jpg 422w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\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<div class=\"elementor-element elementor-element-7e381ed elementor-widget elementor-widget-text-editor\" data-id=\"7e381ed\" data-element_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<p>As per the above chart , 5 year returns of US equities + Rupee Depreciation is almost the same as Indian equities i.e. ( range between 11%-16%) except NASDAQ 100 i.e (17%)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49c4aee elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"49c4aee\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-548da3f elementor-widget elementor-widget-heading\" data-id=\"548da3f\" data-element_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\">3 YEAR PERFORMANCE SUMMARY<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2825b3a elementor-widget elementor-widget-text-editor\" data-id=\"2825b3a\" data-element_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<p>(As on 29-July-2019)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25411ee elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"25411ee\" data-element_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 loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"421\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop.jpg\" class=\"attachment-full size-full wp-image-20458\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop.jpg 864w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop-300x146.jpg 300w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop-768x374.jpg 768w\" sizes=\"(max-width: 864px) 100vw, 864px\" \/>\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<div class=\"elementor-element elementor-element-4cbe71a elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-widget elementor-widget-image\" data-id=\"4cbe71a\" data-element_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 loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"1109\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-mob-view.jpg\" class=\"attachment-full size-full wp-image-20481\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-mob-view.jpg 600w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-mob-view-162x300.jpg 162w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-mob-view-554x1024.jpg 554w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-mob-view-384x710.jpg 384w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\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<div class=\"elementor-element elementor-element-0c5a436 elementor-widget elementor-widget-text-editor\" data-id=\"0c5a436\" data-element_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<p>As per the above chart, 3 year returns of US equities + Rupee Depreciation is almost the same as Indian equities i.e. ( range of 11%-14%) except NASDAQ 100 i.e (18%)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aeed6a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2aeed6a\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e1af7d elementor-widget elementor-widget-text-editor\" data-id=\"1e1af7d\" data-element_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<p><strong>OBSERVATION:<\/strong>\u00a0Since, equity market returns are driven by sentiment in the short term, it is more prudent to analyze returns over a 5 to 10 year period. However, the 3 year rupee depreciation (1%) indicates the prevailing trend, despite rupee having touched its life time low (74\/USD) during this 3 year period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a10b2f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7a10b2f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60b2e3d elementor-widget elementor-widget-heading\" data-id=\"60b2e3d\" data-element_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\">PERFORMANCE OF NASDAQ 100: EXCEPTIONAL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b9e4c2 elementor-widget elementor-widget-text-editor\" data-id=\"1b9e4c2\" data-element_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<p>(As on 29-July-2019)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a03cf5 elementor-widget elementor-widget-shortcode\" data-id=\"6a03cf5\" data-element_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\">\n<div class=\"wpdt-c row wpDataTableContainerSimpleTable wpDataTables wpDataTablesWrapper\n\"\n    >\n        <table id=\"wpdtSimpleTable-16\"\n           style=\"border-collapse:collapse;\n                   border-spacing:0px;\"\n           class=\"wpdtSimpleTable wpDataTable\"\n           data-column=\"4\"\n           data-rows=\"3\"\n           data-wpID=\"16\"\n           data-responsive=\"0\"\n           data-has-header=\"0\">\n\n                    <tbody>        <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell wpdt-bold wpdt-bc-26BDC0 wpdt-tc-FFFFFF\"\n                                            data-cell-id=\"A1\"\n                    data-col-index=\"0\"\n                    data-row-index=\"0\"\n                    style=\" width:27.966101694915%;                    padding:10px;\n                    \"\n                    >\n                                        Performance                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bold wpdt-bc-26BDC0 wpdt-tc-FFFFFF\"\n                                            data-cell-id=\"B1\"\n                    data-col-index=\"1\"\n                    data-row-index=\"0\"\n                    style=\" width:25.084745762712%;                    padding:10px;\n                    \"\n                    >\n                                        Nasdaq 100                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bold wpdt-bc-26BDC0 wpdt-tc-FFFFFF\"\n                                            data-cell-id=\"C1\"\n                    data-col-index=\"2\"\n                    data-row-index=\"0\"\n                    style=\" width:21.864406779661%;                    padding:10px;\n                    \"\n                    >\n                                        Rupee Depreciation                    <\/td>\n                                                <td class=\"wpdt-cell wpdt-bold wpdt-bc-26BDC0 wpdt-tc-FFFFFF\"\n                                            data-cell-id=\"D1\"\n                    data-col-index=\"3\"\n                    data-row-index=\"0\"\n                    style=\" width:25.084745762712%;                    padding:10px;\n                    \"\n                    >\n                                        Total Return                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A2\"\n                    data-col-index=\"0\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        10 Year Performance (XIRR)                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B2\"\n                    data-col-index=\"1\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        20%                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C2\"\n                    data-col-index=\"2\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        3%                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"D2\"\n                    data-col-index=\"3\"\n                    data-row-index=\"1\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        23%                    <\/td>\n                                        <\/tr>\n                            <tr class=\"wpdt-cell-row \" >\n                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"A3\"\n                    data-col-index=\"0\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        5 Year Performance (XIRR)                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"B3\"\n                    data-col-index=\"1\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        15%                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"C3\"\n                    data-col-index=\"2\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        2%                    <\/td>\n                                                <td class=\"wpdt-cell \"\n                                            data-cell-id=\"D3\"\n                    data-col-index=\"3\"\n                    data-row-index=\"2\"\n                    style=\"                    padding:10px;\n                    \"\n                    >\n                                        \u00a017%                    <\/td>\n                                        <\/tr>\n                    <\/table>\n<\/div><style id='wpdt-custom-style-16'>\ntable#wpdtSimpleTable-16{ table-layout: fixed !important; }\ntable#wpdtSimpleTable-16 td, table.wpdtSimpleTable16 th { white-space: normal !important; }\n.wpdt-bc-26BDC0 { background-color: #26BDC0 !important;}\n.wpdt-tc-FFFFFF { color: #FFFFFF !important;}\n<\/style>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c0d94c elementor-widget elementor-widget-text-editor\" data-id=\"6c0d94c\" data-element_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<ol><li>NASDAQ 100 is an index which is made up of non-financial companies of US and with a bias and focus on the Tech &amp; Telecommunication companies. Their weightage is around 54%. The NASDAQ 100 outperformance is predominantly due the big 5 Tech giants which are the most valuable global technology companies today namely Amazon, Microsoft, Alphabet, Facebook etc. Due to their innovation and monopolistic nature in their respective fields, the returns of NASDAQ 100 has been exceptional.<\/li><li>The\u00a0<strong>advantages<\/strong>\u00a0in investing in NASDAQ 100 are, a) Participating in growth story of most valuable tech giants, b) higher inflation adjusted return. c) mitigate the risk associated with one country and diversify the portfolio globally.<\/li><li>However, the\u00a0<strong>drawbacks<\/strong>\u00a0associated with NASDAQ 100 are, a) concentrated portfolio (weightage towards tech companies are around 54%), b) high risk high return category c) our limited understanding on US markets &amp; fundamentals of US companies.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a588123 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a588123\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a3e204 elementor-widget elementor-widget-heading\" data-id=\"8a3e204\" data-element_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\">RUPEE DEPRECIATION:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-58a9c82 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"58a9c82\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0943769 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"0943769\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-b6adb44 elementor-widget elementor-widget-image\" data-id=\"b6adb44\" data-element_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 loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/rchildren-education-rupees-depreciation-vs-usd-graph2.jpg\" class=\"attachment-full size-full wp-image-20459\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/rchildren-education-rupees-depreciation-vs-usd-graph2.jpg 640w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/rchildren-education-rupees-depreciation-vs-usd-graph2-300x150.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\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            <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-be5efbd pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"be5efbd\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-2e6bc58 elementor-widget elementor-widget-text-editor\" data-id=\"2e6bc58\" data-element_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<p>Currency depreciation between two countries is primarily due to the difference in inflation or vice versa. Historically, inflation in India has been around 5%-6% and inflation in US was around 1.5%-2.5. Hence the gap between Indian inflation and US inflation was in INR is also depreciating around 3%-4% against the USD on a 10 year basis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea51f2a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ea51f2a\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-551f58e elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"551f58e\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a8b0edf pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"a8b0edf\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-8046969 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"8046969\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/elementor\/thumbs\/sinhasi_meditation_icon-r50u3m6d0l5pti0nm53ycppy1ysi85505xqx2agcdo.png\" title=\"sinhasi_meditation_icon\" alt=\"sinhasi_meditation_icon\" loading=\"lazy\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Conclusion:<\/h3><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7659020 elementor-widget elementor-widget-text-editor\" data-id=\"7659020\" data-element_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<ol><li>Overall, long term performance (10 years &amp; 5 years) of Indian equities &amp; Mutual Funds as well as US equities &amp; US Mutual Funds plus rupee depreciation are almost at par.<\/li><li>Going forward,\u00a0<strong>the gap between Indian &amp; US inflation are expected to shrink to 1%-2%<\/strong>\u00a0and hence, further rupee depreciation is limited. Due to this, we expect lesser arbitrage opportunities, and therefore there may not be requirement to hedge currency risk. RBI &amp; Indian Government\u2019s intention to tame inflation and keeping it low is the emphasize at this point.<\/li><li>Along with inflation, uptick in oil prices are one of the major contributors towards Indian inflation &amp; rupee depreciation. Going forward, the nearer term outlook for oil is around a range of $50 to $75, hence\u00a0<strong>oil is not expected to play a spoilsport here<\/strong>.<\/li><li>Above outlook on inflation and oil prices implies that the future rupee depreciation is limited.<\/li><li>Overall,\u00a0<strong>it is better invest in known markets and Indian equities<\/strong>\u00a0through the top performing select equity mutual funds, which are a sufficient and sound investment vehicle to fund children\u2019s higher education requirement in US.<\/li><li>Apart from this, there is an\u00a0<strong>outperformance of NASDAQ 100 over US<\/strong>\u00a0and Indian Indices &amp; Mutual Funds.\u00a0<strong>Investors could consider the allocation towards NASDAQ 100 ETF<\/strong>\u00a0or FoF depending on their individuals risk appetite, Financial Plan, asset allocation to get better returns with country and currency diversification, and to take advantage of the returns from the Top Tech Global Giants. and investors should opt it if they have clear understanding about dynamics of international markets, NASDAQ 100 ETF and its underlying stocks<\/li><li><strong>IMPT \u2013 CAUTION &gt;\u00a0<\/strong>Historical performance of the NASDAQ 100 ETF may not continue in the future for these tech giants as Facebook, Google and others are facing various legal issues with respect to data &amp; privacy etc. Facebook had to set aside around $3 billion from its earnings towards legal expenses for Q1FY19 pertaining to ongoing investigation by Federal Trade Commission &amp; this amount is 1\/5th of their revenue and similarly, Google had to set aside around $1.7 billion from its earnings towards European union fine (this amount is 5% of their revenue). Hence, such similar issues may surely impact the performance of these tech giants negatively in the future and therefore may not get the returns seen in the past.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-dffd7b7 elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"dffd7b7\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7bed232 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"7bed232\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-0ef0d6a elementor-widget elementor-widget-text-editor\" data-id=\"0ef0d6a\" data-element_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<p><span style=\"color: #532774; font-weight: bold;\">For more details Contact:\u00a0 <\/span><strong>Mr. Rajanish\u00a0&#8211;\u00a0<\/strong>\u00a0<a href=\"tel:+919900130321\">9900130321<\/a> | <strong>Mr. Saisri &#8211; <\/strong>\u00a0<a href=\"tel:+919740013581\">9740013581<\/a> | <strong>Email\u00a0&#8211;\u00a0<\/strong><a href=\"mailto:contactus@sinhasi.com\">contactus@sinhasi.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3fc6410 elementor-hidden-desktop elementor-hidden-laptop elementor-hidden-tablet_extra elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"3fc6410\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6f69744 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"6f69744\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\r\n                     \r\n        \t\t<div class=\"elementor-element elementor-element-2890eef elementor-widget elementor-widget-text-editor\" data-id=\"2890eef\" data-element_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<span style=\"color: #532774; font-weight: bold;\">For more details Contact:\u00a0<br> <\/span><strong>Mr. Rajanish\u00a0&#8211;\u00a0<\/strong>\u00a0<a href=\"tel:+919900130321\">9900130321<\/a> <br>|<br> <strong>Mr. Saisri &#8211; <\/strong>\u00a0<a href=\"tel:+919740013581\">9740013581<\/a> <br>|<br> <strong>Email\u00a0&#8211;\u00a0<\/strong><a href=\"mailto:contactus@sinhasi.com\">contactus@sinhasi.com<\/a>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t        <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a16c3f7 elementor-section-boxed elementor-section-height-default elementor-section-height-default pxl-row-scroll-none pxl-zoom-point-false pxl-section-overflow-visible\" data-id=\"a16c3f7\" data-element_type=\"section\">\n\n                \n                <div class=\"elementor-container elementor-column-gap-default \">\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-201e617 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"201e617\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap\">\r\n                     \r\n                    <\/div>\r\n        <\/div>\r\n                <div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c614608 pxl-column-none pxl-column-overflow-hidden-no\" data-id=\"c614608\" data-element_type=\"column\">\r\n        <div class=\"elementor-widget-wrap\">\r\n                     \r\n                    <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f8a4fe elementor-widget elementor-widget-image\" data-id=\"4f8a4fe\" data-element_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 loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"421\" src=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop.jpg\" class=\"attachment-full size-full wp-image-20458\" alt=\"\" srcset=\"https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop.jpg 864w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop-300x146.jpg 300w, https:\/\/demo.munark.in\/sinhasi\/wp-content\/uploads\/2021\/02\/sinhasi-blog-children-education-usa-3-years-index-desktop-768x374.jpg 768w\" sizes=\"(max-width: 864px) 100vw, 864px\" \/>\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            <\/div>\r\n        <\/div>\r\n        \t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Giving children the best of education is a dream for all Indian parents. Many parents aspire to send their children abroad to pursue their higher studies, especially to the USA. According to the 2017\/18 Open Doors Report on International Educational Data\u00a0released by IIE &amp; US Department of State Bureau of Educational and Cultural Affairs,\u00a0number of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20455,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[69],"tags":[99,120,121],"class_list":["post-20453","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-children-money-with-sinhasi","tag-children","tag-currency","tag-mutual-funds"],"_links":{"self":[{"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/posts\/20453","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/comments?post=20453"}],"version-history":[{"count":0,"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/posts\/20453\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/media\/20455"}],"wp:attachment":[{"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/media?parent=20453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/categories?post=20453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/demo.munark.in\/sinhasi\/wp-json\/wp\/v2\/tags?post=20453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}