{"id":16095,"date":"2022-12-06T09:31:14","date_gmt":"2022-12-06T17:31:14","guid":{"rendered":"https:\/\/www.wealthfront.com/blog\/?p=16095"},"modified":"2023-08-24T16:40:08","modified_gmt":"2023-08-24T23:40:08","slug":"new-alt-etfs","status":"publish","type":"post","link":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/","title":{"rendered":"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">At Wealthfront, we\u2019re constantly looking for ways to make our products and services even better to help you build long-term wealth on your own terms. Today, we\u2019re excited to announce an improvement to our investing product: we are updating three of the <a href=\"https:\/\/support.wealthfront.com\/hc\/en-us\/articles\/360059202731-Alternate-ETFs\">alternate ETFs<\/a> Wealthfront uses to conduct <a href=\"https:\/\/www.wealthfront.com\/tax-loss-harvesting\">Tax-Loss Harvesting<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We periodically review the ETFs we use to represent various asset classes to look for ETFs that have lower expense ratios, carry lower transaction costs because of higher liquidity, and more effectively track the desired index. We\u2019re making these updates because we\u2019ve identified ETFs we believe are a better fit. These improvements affect three asset classes in our expert-built portfolios: US Stocks, Municipal Bonds, and Dividend Growth Stocks. You don\u2019t have to do anything to benefit from the changes: starting on December 20, we\u2019ll begin purchasing the new alternate ETFs any time we previously would have purchased the old one. This change won\u2019t cause you to incur any taxes \u2014 if you currently hold the old alternates, we will sell them to harvest losses only if the ETF trades below its purchase price.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this post, we\u2019ll explain exactly what\u2019s changing and why.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New alternate ETF for Municipal Bonds<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>New ETF:<\/strong> <a href=\"https:\/\/www.etf.com\/MUB\">iShares National Muni Bond ETF (MUB)<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Old ETF: <\/strong><a href=\"https:\/\/www.etf.com\/TFI\">SPDR Nuveen Bloomberg Municipal Bond ETF (TFI)<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why we\u2019re switching: <\/strong>MUB and TFI both provide investors with exposure to municipal bonds.&nbsp; However, we think MUB is better for three reasons.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One, MUB has a much lower expense ratio than TFI: MUB costs just 0.07% annually, whereas TFI costs 0.23%. Two, MUB is more liquid than TFI. Why does an ETF\u2019s liquidity matter? An ETF\u2019s liquidity tells you how easy it will be to sell your investment when you\u2019re ready to cash out. An ETF with higher trading volume (ie, lots of people are buying and selling the ETF) is more liquid, and an ETF with lower trading volume is less so. Liquidity affects the cost of buying and selling an ETF because more liquid ETFs tend to trade with a smaller <a href=\"https:\/\/www.investopedia.com\/terms\/b\/bid-askspread.asp\">bid\/ask spread<\/a> (the difference between the top price someone will pay for an investment and the lowest price a seller will sell it for). If you\u2019re comparing two ETFs that are otherwise identical, it\u2019ll be cheaper to buy and sell the more liquid one. Combined, the lower expense ratio and better liquidity of the new ETF means Wealthfront clients will realize cost savings when they hold MUB instead of TFI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The third reason we think MUB is better is the fact that it more closely tracks the <a href=\"https:\/\/www.wealthfront.com\/explore\/vteb\">Vanguard Tax-Exempt Bond Index Fund ETF (VTEB)<\/a>, which is the primary ETF we use for the Municipal Bonds portion of our <a href=\"https:\/\/www.wealthfront.com\/explore\/portfolios\/core\/classic\">Classic<\/a>, <a href=\"https:\/\/www.wealthfront.com\/explore\/portfolios\/sri\/socially-responsible\">Socially Responsible<\/a>, and <a href=\"https:\/\/www.wealthfront.com\/explore\/portfolios\/core-di\/direct-indexing\">Direct Indexing<\/a> portfolios. It\u2019s important for an alternate ETF to be similar enough to its primary ETF in order to be sure that your portfolio accurately reflects your risk and return preferences over time as our software conducts Tax-Loss Harvesting on your behalf. Our research demonstrates that MUB is better suited to this task. Until recently, we could not use MUB as an alternate for VTEB because both tracked the same underlying index, so selling one and buying the other for Tax-Loss Harvesting could have constituted a <a href=\"https:\/\/www.investopedia.com\/terms\/w\/washsale.asp\">wash sale<\/a>. Wash sales aren\u2019t illegal, but they do prevent you from using the loss against your taxable income that year. MUB recently switched to tracking a different underlying index, which made it possible to begin using MUB without triggering wash sales.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New alternate ETF for Dividend Growth Stocks<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>New ETF:<\/strong> <a href=\"https:\/\/www.etf.com\/DGRO\">iShares Core Dividend Growth ETF (DGRO)<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Old ETF: <\/strong><a href=\"https:\/\/www.etf.com\/SCHD\">Schwab US Dividend Equity ETF (SCHD)<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why we\u2019re switching:<\/strong> DGRO and SCHD both focus on stocks with long histories of paying dividends to investors. But we believe DGRO offers a better after-tax, after-fee return for clients, and it\u2019s also more closely correlated to the <a href=\"https:\/\/www.wealthfront.com\/explore\/vig\">Vanguard Dividend Appreciation ETF (VIG)<\/a>, which is the primary ETF used to represent US Dividend Stocks in <a href=\"https:\/\/www.wealthfront.com\/explore\/portfolios\/core\/classic\">Wealthfront\u2019s Classic <\/a>and <a href=\"https:\/\/www.wealthfront.com\/explore\/portfolios\/core-di\/direct-indexing\">Direct Indexing<\/a> portfolios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s unpack this a little. DGRO decides which stocks to include (and in what weights) based on a methodology that\u2019s very similar to that used by VIG. SCHD, by contrast, has a slightly different methodology and a higher dividend yield as a result. To give you a sense for the scale of the difference, since July 2014, VIG has had yields of about 2%, DGRO\u2019s has been about 2.3%, and SCHD\u2019s has been closer to 3%. But dividend yield (or the percentage of the share price that gets paid out to investors annually) isn\u2019t the whole story. Because dividends are taxed annually, SCHD actually has a higher annual tax cost, despite the fact that all three funds have had similar <em>total<\/em> returns. So even with DGRO\u2019s slightly higher expense ratio (0.08% vs. 0.06% for SCHD), our research demonstrates that DGRO is superior in terms of after-tax, after-fee returns.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New alternate ETF for US Stocks<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>New ETF:<\/strong> <a href=\"https:\/\/www.etf.com\/ITOT\">iShares Core S&amp;P Total US Stock Market ETF (ITOT)<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Old ETF:<\/strong> <a href=\"https:\/\/www.etf.com\/SCHB\">Schwab US Broad Market ETF (SCHB)<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why we\u2019re switching:<\/strong> ITOT and SCHB are very similar ETFs that track the broad US stock market, but with a key difference: ITOT is roughly twice as liquid as SCHB.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a result, we think ITOT is a better alternate for the <a href=\"https:\/\/www.wealthfront.com\/explore\/vti\">Vanguard Total Stock Market ETF (VTI)<\/a>, the primary ETF used to represent US Stocks in our <a href=\"https:\/\/www.wealthfront.com\/explore\/portfolios\/core\/classic\">Classic portfolio<\/a>. Both ITOT and SCHB have an expense ratio of 0.03%, which means Wealthfront clients will realize a small cost savings from this update due to smaller trading costs associated with bid\/ask spread.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Our products just keep getting better<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At Wealthfront, <a href=\"https:\/\/www.wealthfront.com\/blog\/wealthfronts-new-mission\/\">our mission<\/a> is to build a financial system that favors people, not institutions. In order to do that, we believe our products should improve continuously over time so our clients can benefit from our experts\u2019 latest research. These changes to the alternate ETFs we use for Tax-Loss Harvesting are just one example of how we\u2019re always looking for ways to make Wealthfront\u2019s offerings even better.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.wealthfront.com\/tax-loss-harvesting\">Tax-Loss Harvesting<\/a> is one of many ways Wealthfront uses software to help improve your after-tax returns, and we believe it\u2019s among the most valuable features we offer. Tax-Loss Harvesting takes advantage of short-term fluctuations in the market to lower your tax bill with no extra effort and at no additional cost to you. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>At Wealthfront, we\u2019re constantly looking for ways to make our products and services even better to help you build long-term wealth on your own terms. Today, we\u2019re excited to announce an improvement to our investing product: we are updating three of the alternate ETFs Wealthfront uses to conduct Tax-Loss Harvesting.&nbsp; We periodically review the ETFs [&hellip;]<\/p>\n","protected":false},"author":10000,"featured_media":14134,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1360],"tags":[],"coauthors":[1270],"class_list":["post-16095","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-product-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting | Wealthfront<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting | Wealthfront\" \/>\n<meta property=\"og:description\" content=\"At Wealthfront, we\u2019re constantly looking for ways to make our products and services even better to help you build long-term wealth on your own terms. Today, we\u2019re excited to announce an improvement to our investing product: we are updating three of the alternate ETFs Wealthfront uses to conduct Tax-Loss Harvesting.&nbsp; We periodically review the ETFs [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/\" \/>\n<meta property=\"og:site_name\" content=\"Wealthfront Blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-06T17:31:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-24T23:40:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wealthfront.com/blog\/wp-content\/uploads\/2021\/07\/Blog-assetallocation-1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"4000\" \/>\n\t<meta property=\"og:image:height\" content=\"1457\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Alex Michalka, Ph.D\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Wealthfront\" \/>\n<meta name=\"twitter:site\" content=\"@Wealthfront\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alex Michalka, Ph.D\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/\"},\"author\":{\"name\":\"Elizabeth Rowe\",\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/#\\\/schema\\\/person\\\/dab26849baacffef502035f907045563\"},\"headline\":\"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting\",\"datePublished\":\"2022-12-06T17:31:14+00:00\",\"dateModified\":\"2023-08-24T23:40:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/\"},\"wordCount\":1095,\"image\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/Blog-assetallocation-1-1.png\",\"articleSection\":[\"Product news\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/\",\"url\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/\",\"name\":\"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting | Wealthfront\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/Blog-assetallocation-1-1.png\",\"datePublished\":\"2022-12-06T17:31:14+00:00\",\"dateModified\":\"2023-08-24T23:40:08+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/#\\\/schema\\\/person\\\/dab26849baacffef502035f907045563\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/Blog-assetallocation-1-1.png\",\"contentUrl\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/wp-content\\\/uploads\\\/2021\\\/07\\\/Blog-assetallocation-1-1.png\",\"width\":4000,\"height\":1457},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/new-alt-etfs\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/\",\"name\":\"Wealthfront Blog\",\"description\":\"Personal Finance &amp; Investing Insights\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/#\\\/schema\\\/person\\\/dab26849baacffef502035f907045563\",\"name\":\"Elizabeth Rowe\",\"url\":\"https:\\\/\\\/www.wealthfront.com/blog\\\/author\\\/elizabethrowe\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting | Wealthfront","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/","og_locale":"en_US","og_type":"article","og_title":"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting | Wealthfront","og_description":"At Wealthfront, we\u2019re constantly looking for ways to make our products and services even better to help you build long-term wealth on your own terms. Today, we\u2019re excited to announce an improvement to our investing product: we are updating three of the alternate ETFs Wealthfront uses to conduct Tax-Loss Harvesting.&nbsp; We periodically review the ETFs [&hellip;]","og_url":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/","og_site_name":"Wealthfront Blog","article_published_time":"2022-12-06T17:31:14+00:00","article_modified_time":"2023-08-24T23:40:08+00:00","og_image":[{"width":4000,"height":1457,"url":"https:\/\/www.wealthfront.com/blog\/wp-content\/uploads\/2021\/07\/Blog-assetallocation-1-1.png","type":"image\/png"}],"author":"Alex Michalka, Ph.D","twitter_card":"summary_large_image","twitter_creator":"@Wealthfront","twitter_site":"@Wealthfront","twitter_misc":{"Written by":"Alex Michalka, Ph.D","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/#article","isPartOf":{"@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/"},"author":{"name":"Elizabeth Rowe","@id":"https:\/\/www.wealthfront.com/blog\/#\/schema\/person\/dab26849baacffef502035f907045563"},"headline":"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting","datePublished":"2022-12-06T17:31:14+00:00","dateModified":"2023-08-24T23:40:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/"},"wordCount":1095,"image":{"@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.wealthfront.com/blog\/wp-content\/uploads\/2021\/07\/Blog-assetallocation-1-1.png","articleSection":["Product news"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/","url":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/","name":"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting | Wealthfront","isPartOf":{"@id":"https:\/\/www.wealthfront.com/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/#primaryimage"},"image":{"@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/#primaryimage"},"thumbnailUrl":"https:\/\/www.wealthfront.com/blog\/wp-content\/uploads\/2021\/07\/Blog-assetallocation-1-1.png","datePublished":"2022-12-06T17:31:14+00:00","dateModified":"2023-08-24T23:40:08+00:00","author":{"@id":"https:\/\/www.wealthfront.com/blog\/#\/schema\/person\/dab26849baacffef502035f907045563"},"breadcrumb":{"@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/#primaryimage","url":"https:\/\/www.wealthfront.com/blog\/wp-content\/uploads\/2021\/07\/Blog-assetallocation-1-1.png","contentUrl":"https:\/\/www.wealthfront.com/blog\/wp-content\/uploads\/2021\/07\/Blog-assetallocation-1-1.png","width":4000,"height":1457},{"@type":"BreadcrumbList","@id":"https:\/\/www.wealthfront.com/blog\/new-alt-etfs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.wealthfront.com/blog\/"},{"@type":"ListItem","position":2,"name":"We\u2019re Updating the Alternate ETFs We Use for Tax-Loss Harvesting"}]},{"@type":"WebSite","@id":"https:\/\/www.wealthfront.com/blog\/#website","url":"https:\/\/www.wealthfront.com/blog\/","name":"Wealthfront Blog","description":"Personal Finance &amp; Investing Insights","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.wealthfront.com/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.wealthfront.com/blog\/#\/schema\/person\/dab26849baacffef502035f907045563","name":"Elizabeth Rowe","url":"https:\/\/www.wealthfront.com/blog\/author\/elizabethrowe\/"}]}},"_links":{"self":[{"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/posts\/16095","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/users\/10000"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/comments?post=16095"}],"version-history":[{"count":9,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/posts\/16095\/revisions"}],"predecessor-version":[{"id":16657,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/posts\/16095\/revisions\/16657"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/media\/14134"}],"wp:attachment":[{"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/media?parent=16095"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/categories?post=16095"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/tags?post=16095"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.wealthfront.com/blog\/wp-json\/wp\/v2\/coauthors?post=16095"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}