28 Jan 2026 · Journal

Five NAV discrepancy patterns that survive first pass

First-pass reviews catch typos. Second-pass reviews catch structural timing gaps. These five patterns keep showing up in Infra Data cohorts.

Calculator resting on financial documents

1. Cut-off mismatch

Slides use T+0 closes; the ledger still reflects T+1 cash. The percentage looks fine until you bridge subscriptions.

2. FX rate shopping

Domestic packs use one bank board rate; English packs use a WM fix. Neither is wrong—undisclosed switching is.

3. Accrual silence

Incentive accruals move NAV while commentary still says ‘fees unchanged.’

4. Inter-vehicle transfers

Transfers between sleeves appear as performance in one report and as flows in another.

5. Quiet prior-period edits

Last quarter’s table quietly updates without a restatement note. Compare PDF hashes or locked exports when possible.

NAV Bridge Intensive walks teams through a ladder that forces each of these into the exception log before narrative polish begins.

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