Thanks Oleg for your response. I have two followup question to your reply.
1) Do you mean pointer should be only used when we want to have 1 to 1 relationship. It cannot be used when I want to have 1 to many relationship. Like retrieving in single REST call master - detail rows.
2) What is the ideal/efficient way to implement one to many relationship so that it could be retrieved in single REST Call. Could you please explain briefly taking into consideration my above example of UserProfile and UserTransaction.
I went through documentation and couldn't find answers. Documentation has a brief explanation without example that make it difficult to get the clear understanding.
Please correct my limited understanding if I am wrong.
Thanks & Regards,
Kartik