{"id":5713,"date":"2025-06-09T14:18:52","date_gmt":"2025-06-09T18:18:52","guid":{"rendered":"https:\/\/dev.gopeer.ca\/blog\/\/"},"modified":"2025-06-16T15:44:39","modified_gmt":"2025-06-16T19:44:39","slug":"the-case-for-allocating-5-to-private-credit-in-a-diversified-portfolio","status":"publish","type":"post","link":"https:\/\/dev.gopeer.ca\/fr_ca\/blog\/the-case-for-allocating-5-to-private-credit-in-a-diversified-portfolio\/","title":{"rendered":"Plaidoyer en faveur de l&#039;allocation du 5% au cr\u00e9dit priv\u00e9 dans un portefeuille diversifi\u00e9"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5713\" class=\"elementor elementor-5713\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9c097d e-flex e-con-boxed e-con e-parent\" data-id=\"a9c097d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-768458e elementor-widget elementor-widget-text-editor\" data-id=\"768458e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">It\u2019s already 6 months into 2025. Many have long forgotten the goals they started the year with, but mid-year is the perfect time to reassess everything and that includes checking in with your investments. The year so far have had rising rates, volatile equities and concerns on inflation which have left many rethinking how and where they allocate capital.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Many investors are now looking beyond just stocks and bonds to improve downside protection. One solution to this is private credit.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/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-6d3c896 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6d3c896\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What is Private Credit? <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8896632 elementor-widget elementor-widget-text-editor\" data-id=\"8896632\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW123349906 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW123349906 BCX0\">Private credit <\/span><span class=\"NormalTextRun SCXW123349906 BCX0\">typically <\/span><span class=\"NormalTextRun SCXW123349906 BCX0\">refers to non-bank lending to individuals or <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW123349906 BCX0\">businesses<\/span><span class=\"NormalTextRun SCXW123349906 BCX0\"> typically through structured loans that <\/span><span class=\"NormalTextRun SCXW123349906 BCX0\">aren\u2019t<\/span><span class=\"NormalTextRun SCXW123349906 BCX0\"> traded on public markets. This often means that deals are done privately and <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW123349906 BCX0\">exchanges<\/span> <span class=\"NormalTextRun SCXW123349906 BCX0\">higher yield for reduced liquidity.\u00a0<\/span><\/span><span class=\"EOP SCXW123349906 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/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-8c3e11c elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"8c3e11c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Why 5% Is a Sensible Starting Point <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d130e90 elementor-widget elementor-widget-text-editor\" data-id=\"d130e90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">For many investors, allocating 5% of their portfolio to private credit provides a balanced approach. They\u2019re meaningful enough to enhance portfolio diversification and income but still conservative enough to maintain liquidity and limit credit risk. This is an especially important factor to consider for retail investors who might prefer to keep the bulk of their assets more liquid.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Even larger institutions have adapted this approach. A 2023 Goldman Sachs survey found that institutional investors hold an average of 5.7% of their assets in private credit, while many are targeting 7.8% [1].\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span class=\"TextRun SCXW11707036 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW11707036 BCX0\">Allocating a small <\/span><span class=\"NormalTextRun SCXW11707036 BCX0\">portion<\/span><span class=\"NormalTextRun SCXW11707036 BCX0\"> (such as 5%) to private credit can be a conservative yet strategic move for investors reviewing their portfolios mid-year.<\/span><\/span><span class=\"EOP SCXW11707036 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/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-e9db036 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"e9db036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Diversification + Income <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8c984 elementor-widget elementor-widget-text-editor\" data-id=\"5a8c984\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Private credit can address some of the key pain points investors have:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Potentially Lower volatility than bonds: Private credit is less exposed to daily market swings, and its stronger deal terms, like covenant protections and direct underwriting can help provide more stability and downside protection during periods of volatility.[2]<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Attractive yields: Private credit has historically offered higher yields than traditional bonds These higher returns come with more risk and less flexibility, but they can be appealing for long-term investors. [3]<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul>\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-146d016 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"146d016\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Access Matters: How Private Credit Has Opened Up to Individual Investors <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cac3ca8 elementor-widget elementor-widget-text-editor\" data-id=\"cac3ca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"auto\">Private credit has long been in the hands of institutional investors only, but that\u2019s been changing as more and more individual investors are gaining access to this asset class. You don\u2019t need a 7-figure net worth or access to private funds, you just need a plan and a minimum contribution.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">This accessibility matters for two reasons:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Portfolio Building: Individual investors can now benefit from the same yield potential and diversification that institutions have leaned into without relying solely on stocks, bonds, or REITs.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Financial Inclusion: Democratizing private credit means that more Canadians can align their financial goals with real social impact. You\u2019re getting to support your fellow Canadians while earning monthly returns in the process.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"auto\">It\u2019s a game changer for individual investors where every layer of diversification counts.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/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-1a80b2a elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"1a80b2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Key Factors to Consider When Investing in Private Debt <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99eebc9 elementor-widget elementor-widget-text-editor\" data-id=\"99eebc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW84536071 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW84536071 BCX0\">Private credit differs significantly from more conventional asset classes like equities or government bonds. <\/span><span class=\"NormalTextRun SCXW84536071 BCX0\">It&#8217;s<\/span><span class=\"NormalTextRun SCXW84536071 BCX0\"> essential for investors to align private debt allocations with their overall financial goals, risk tolerance, and liquidity preferences. While private debt can offer attractive yields, those returns typically come <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW84536071 BCX0\">with<\/span><span class=\"NormalTextRun SCXW84536071 BCX0\"> elevated risk. Investors should be aware that these instruments may lead to limited or even negative returns, and in some cases, capital loss is possible. <\/span><span class=\"NormalTextRun SCXW84536071 BCX0\">Before including private credit in a portfolio, <\/span><span class=\"NormalTextRun SCXW84536071 BCX0\">it&#8217;s<\/span><span class=\"NormalTextRun SCXW84536071 BCX0\"> important to assess how it fits within an investor\u2019s broader strategy. Consulting with a financial advisor can help ensure that such investments support the desired outcomes. And as with all investing, <\/span><span class=\"NormalTextRun SCXW84536071 BCX0\">it\u2019s<\/span><span class=\"NormalTextRun SCXW84536071 BCX0\"> important to remember that past performance is not a reliable indicator of future results.<\/span><\/span><span class=\"EOP SCXW84536071 BCX0\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/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-22de47b elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"22de47b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Final Thoughts <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-086477e elementor-widget elementor-widget-text-editor\" data-id=\"086477e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW136337248 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW136337248 BCX0\">True diversification <\/span><span class=\"NormalTextRun SCXW136337248 BCX0\">isn\u2019t<\/span> <span class=\"NormalTextRun SCXW136337248 BCX0\">just about mixing<\/span><span class=\"NormalTextRun SCXW136337248 BCX0\"> stocks and <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW136337248 BCX0\">bonds,<\/span><span class=\"NormalTextRun SCXW136337248 BCX0\"> it means having exposure to <\/span><span class=\"NormalTextRun SCXW136337248 BCX0\">different sources<\/span><span class=\"NormalTextRun SCXW136337248 BCX0\"> of risk.\u00a0<\/span><\/span><span class=\"EOP SCXW136337248 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/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-ac1e661 elementor-widget elementor-widget-text-editor\" data-id=\"ac1e661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sources:<\/p><p><span data-contrast=\"auto\">[1]: <\/span><a href=\"https:\/\/am.gs.com\/en-us\/institutions\/insights\/article\/2023\/balancing-act-building-private-credit-portfolios\" rel=\"nofollow noopener\"><span data-contrast=\"none\">https:\/\/am.gs.com\/en-us\/institutions\/insights\/article\/2023\/balancing-act-building-private-credit-portfolios<\/span><\/a><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">[2] <\/span><a href=\"https:\/\/fsinvestments.com\/fs-insights\/chart-of-the-week-2025-4-11-25-cov-light-loans\/\" rel=\"nofollow noopener\"><span data-contrast=\"none\">https:\/\/fsinvestments.com\/fs-insights\/chart-of-the-week-2025-4-11-25-cov-light-loans\/<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">[3] <\/span><a href=\"https:\/\/fsinvestments.com\/education\/private-credit\/\" rel=\"nofollow noopener\"><span data-contrast=\"none\">https:\/\/fsinvestments.com\/education\/private-credit\/<\/span><\/a><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/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-e33aaea elementor-widget elementor-widget-text-editor\" data-id=\"e33aaea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW116627027 BCX0\" lang=\"EN-PH\" xml:lang=\"EN-PH\" data-contrast=\"auto\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeClicked CommentHighlightClicked SCXW116627027 BCX0\">Important <\/span><span class=\"NormalTextRun CommentHighlightClicked SCXW116627027 BCX0\">footnote<\/span><span class=\"NormalTextRun CommentHighlightClicked SCXW116627027 BCX0\"> &amp; disclaimer:<\/span><\/span><\/p>\n<p><span data-contrast=\"auto\">The information contained on this website and in any related materials, including but not limited to blog posts, charts, statistics, projections, or other content (collectively, the \u201cInformation\u201d), has been prepared by goPeer for general informational and educational purposes only. The Information does not constitute, and should not be construed as, an offer to sell or a solicitation to buy any securities or investment products. The Information does not constitute legal, tax, investment, financial, or accounting advice, and should not be relied upon as such.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">Any tables, charts, forecasts, forward-looking statements, or statistical analyses presented are based on assumptions, estimates, or projections made by goPeer that may not reflect actual future performance. These forward-looking statements involve known and unknown risks, uncertainties, and other factors (many of which are beyond goPeer\u2019s control) that may cause actual outcomes to differ materially from those expressed or implied in the Information. Actual results may vary significantly, and past performance is not indicative of future results.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">No portion of the Information should be interpreted as a recommendation or endorsement of any specific investment strategy, security, loan, or product. Investment decisions should always be made based on the investor\u2019s individual objectives, financial situation, and risk tolerance, in consultation with appropriate legal, tax, and financial advisors.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">Investing involves risk, including the possible loss of principal.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">&nbsp;<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>It\u2019s already 6 months into 2025. Many have long forgotten the goals they started the year with, but mid-year is the perfect time to reassess everything and that includes checking in with your investments. The year so far have had rising rates, volatile equities and concerns on inflation which have left many rethinking how and [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":5714,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1,8],"tags":[52,54,56,61,58,55,57,48,38,53,51,60,59],"class_list":["post-5713","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all","category-investing","tag-alternative-investments","tag-canadian-investors","tag-fixed-income","tag-gopeer","tag-investing-in-canada","tag-mid-year-portfolio-review","tag-non-correlated-assets","tag-passive-income","tag-personal-finance","tag-portfolio-diversification","tag-private-credit","tag-private-lending","tag-rebalancing-strategies"],"_links":{"self":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts\/5713","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/comments?post=5713"}],"version-history":[{"count":10,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts\/5713\/revisions"}],"predecessor-version":[{"id":5741,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/posts\/5713\/revisions\/5741"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/media\/5714"}],"wp:attachment":[{"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/media?parent=5713"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/categories?post=5713"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.gopeer.ca\/fr_ca\/wp-json\/wp\/v2\/tags?post=5713"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}