{"id":14634,"date":"2026-07-03T08:20:26","date_gmt":"2026-07-03T12:20:26","guid":{"rendered":"https:\/\/www.sage.com\/en-ca\/blog\/?p=14634"},"modified":"2026-07-03T08:20:28","modified_gmt":"2026-07-03T12:20:28","slug":"net-asset-value","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-ca\/blog\/net-asset-value\/","title":{"rendered":"NAV meaning: net asset value formula and examples"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--standard\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-ca\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tNAV meaning: net asset value formula and examples\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\tNet asset value helps you understand what a fund is worth after liabilities. Learn the NAV formula, how to calculate NAV, and what NAV can\u2014and can\u2019t\u2014tell you.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col col-8 col-lg-4 entry-header__image\">\n\t\t\t<figure class=\"entry-header__thumbnail js-hero-section\">\n\t\t\t\t<img decoding=\"async\" width=\"1214\" height=\"810\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0465-1214x810.jpg\" class=\"entry-header__thumbnail-image\" alt=\"\" fetchpriority=\"high\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0465-1214x810.jpg 1214w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0465-768x512.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0465-1536x1025.jpg 1536w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0465.jpg 2000w\" sizes=\"(max-width: 1214px) 100vw, 1214px\" \/>\t\t\t<\/figure>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2026-07-03T08:20:26-04:00\">July 3, 2026<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"NAV meaning: net asset value formula and examples\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-ca\/blog\/net-asset-value\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-ca\/blog\/author\/lauraslingo\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2026\/03\/laura-slingo-headshot-350x350.jpg\" class=\"entry-author__image\" alt=\"Laura Slingo\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2026\/03\/laura-slingo-headshot-350x350.jpg 350w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2026\/03\/laura-slingo-headshot.jpg 400w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Laura Slingo<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Net Asset Value (NAV) is the value of a fund\u2019s total assets minus its liabilities, divided by the number of shares outstanding. NAV shows how much each share or unit of a fund is worth at a given point in time and is commonly used for mutual funds, private equity funds, and real estate investments.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019ve ever looked at a fund\u2019s share price and wondered, <em>\u201cWhat is this actually worth if I cash in my holding right now?\u201d<\/em>, you\u2019re already thinking about net asset value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is one of those financial terms that sounds intimidating, but it\u2019s essentially a simple reality check. The net asset value calculation tells you the value of a fund after subtracting what the fund owes, such as fund managers\u2019 fees, operating expenses, taxes, debt to lenders, and other pending payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NAV provides an overview that can help you make more informed decisions when you\u2019re investing, reporting, or comparing options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Think NAV is only useful for investment professionals? Not at all. Understanding net asset value can help business owners, investors, and finance teams build stronger financial habits and avoid relying on guesswork when money is on the line.<\/p>\n\n\n<section id=\"key-takeaways\" class=\"wp-block-sage-key-takeaways\"><div class=\"sage-key-takeaways__inner\"><h2 class=\"wp-block-heading has-h-3-font-size\">Key takeaways<\/h2>\n<ul class=\"wp-block-list\">\n<li>Net Asset Value (NAV) shows the per-share or per-unit value of a fund.<\/li>\n\n\n\n<li>The NAV formula is total assets minus total liabilities, divided by shares or units outstanding.<\/li>\n\n\n\n<li>NAV is widely used across mutual funds, private equity funds, and real estate investments.<\/li>\n\n\n\n<li>NAV can help investors compare value and track performance over time.<\/li>\n\n\n\n<li>A higher NAV is not automatically better because NAV is a value snapshot, not a performance score.<\/li>\n<\/ul>\n<\/div><\/section>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-here-s-what-we-ll-cover\">Here&#8217;s what we&#8217;ll cover<\/h3>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-nav-meaning-what-is-net-asset-value\" data-level=\"2\">NAV meaning: what is net asset value?<\/a><\/li><li><a href=\"#h-why-net-asset-value-matters\" data-level=\"2\">Why net asset value matters<\/a><\/li><li><a href=\"#h-net-asset-value-examples\" data-level=\"2\">Net asset value examples<\/a><\/li><li><a href=\"#h-hypothetical-private-equity-fund-illustration\" data-level=\"2\">Hypothetical private equity fund illustration<\/a><\/li><li><a href=\"#h-is-a-higher-net-asset-value-always-better\" data-level=\"2\">Is a higher net asset value always better?<\/a><\/li><li><a href=\"#h-key-points-for-tracking-net-asset-value-over-time\" data-level=\"2\">Key points for tracking net asset value over time<\/a><\/li><li><a href=\"#h-final-thoughts\" data-level=\"2\">Final thoughts<\/a><\/li><li><a href=\"#h-frequently-asked-questions-about-net-asset-value\" data-level=\"2\">Frequently asked questions about net asset value<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nav-meaning-what-is-net-asset-value\">NAV meaning: what is net asset value?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Net Asset Value (NAV) is a financial metric that calculates the per-share or per-unit value of a fund by subtracting total liabilities from total assets and dividing the result by the number of shares or units outstanding.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In simple terms, NAV answers this question: if the fund sold everything it owned, paid off everything it owed, and split what was left across all shares or units, how much would each share or unit be worth?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.securities-administrators.ca\/uploadedFiles\/General\/pdfs\/Investments_at_a_glance_E.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Canadian Securities Administrators<\/a> also explain NAV as the current value investors receive when buying or selling units or shares of a fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is most commonly used for investment funds, including mutual funds, private equity funds, and real estate portfolios, where the metric plays a central role in <a href=\"https:\/\/www.sage.com\/en-ca\/blog\/what-is-fund-accounting\/\">fund accounting<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The metric is especially useful if you\u2019re an investor, business owner, or finance professional trying to compare funds or understand performance without getting lost in hype.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is used by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investors who want a snapshot of what they\u2019re buying into.<\/li>\n\n\n\n<li>Fund managers who need a consistent way to value holdings and report performance.<\/li>\n\n\n\n<li>Finance teams, auditors, and other stakeholders who need accurate valuation records and documentation.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-net-asset-value-matters\">Why net asset value matters<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The NAV valuation process pushes you to accurately track <a href=\"https:\/\/www.sage.com\/en-ca\/blog\/glossary\/what-is-an-asset\/\">assets<\/a> and liabilities instead of relying on rough estimates. For businesses involved in investment reporting or <a href=\"https:\/\/www.sage.com\/en-ca\/blog\/a-comprehensive-guide-to-assets-and-asset-management\/\">asset management<\/a>, NAV gives teams a consistent baseline for estimating value, reporting results, and comparing funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From a practical standpoint, net asset value helps you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare funds more consistently.<\/li>\n\n\n\n<li>Track performance over time.<\/li>\n\n\n\n<li>Understand whether a fund\u2019s value is rising or falling.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re running a business and investing company cash, knowing the NAV of a fund can support better financial discipline. For example, NAV may help you assess investments used to grow cash reserves, support operations, or fund future infrastructure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The NAV valuation process pushes you to accurately track assets and liabilities instead of relying on rough estimates. NAV gives you a consistent baseline for estimating value, reporting results, and comparing funds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NAV can also support more consistent reporting. Fund managers and financial firms often rely on documented valuation methods, repeatable calculations, and clear reporting processes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s one reason finance teams may move away from spreadsheets and toward cloud financial tools that reduce manual work and create clearer records.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Net asset value formula and calculation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The standard NAV formula is:<\/p>\n\n\n\n<div class=\"wp-block-math\"><math display=\"block\"><semantics><mrow><mtext>NAV<\/mtext><mo>=<\/mo><mfrac><mrow><mtext>Total&nbsp;assets<\/mtext><mo>\u2212<\/mo><mtext>Total&nbsp;liabilities<\/mtext><\/mrow><mtext>Shares&nbsp;or&nbsp;units&nbsp;outstanding<\/mtext><\/mfrac><\/mrow><annotation encoding=\"application\/x-tex\">\\text{NAV} = \\frac{\\text{Total assets} &#8211; \\text{Total liabilities}}{\\text{Shares or units outstanding}}<\/annotation><\/semantics><\/math><\/div>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">This formula shows how to calculate net asset value per share or unit and is commonly used across mutual funds, Exchange-Traded Funds (ETFs), and private equity funds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How to calculate net asset value step by step<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can calculate NAV in three steps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Add up the total value of all assets, such as investments, cash, and receivables.<\/li>\n\n\n\n<li>Subtract total liabilities, such as fees, debt, and expenses.<\/li>\n\n\n\n<li>Divide the result by the number of shares or units outstanding.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The result is the net asset value per share or unit, which investors use to understand what each unit of a fund is worth.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What goes into the NAV calculation?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The net asset value calculation is based on standard mathematics, but accurate inputs matter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s break down the two main parts of the net asset value formula.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Total assets minus total liabilities<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The first step calculates the total net value of the fund.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Total assets:<\/strong> what the fund owns, such as stocks, bonds, cash, cash equivalents, real estate, private company investments, interest receivable, or dividends receivable.<\/li>\n\n\n\n<li><strong>Total liabilities:<\/strong> what the fund owes, such as management fees payable, operating expenses, borrowed money, leverage, or taxes payable.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Good recordkeeping matters in the NAV calculation. If asset values are outdated or liabilities are missing, the NAV calculation will not reflect reality.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">2. Dividing by shares or units outstanding<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The second step\u2014dividing net value by shares or units outstanding\u2014gives you the NAV per share or unit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This matters because most investors buy units or shares of a fund, not the underlying assets directly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a quick Canadian-dollar example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Net fund value is $10,000,000<\/li>\n\n\n\n<li>Shares outstanding are 500,000<\/li>\n\n\n\n<li><strong>NAV = $10,000,000 \u00f7 500,000 = $20 per share<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">What does that tell you? It depends, because NAV is a value measurement, not a performance grade.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You need to weigh NAV against factors such as what you paid, how NAV has changed over time, and what the fund actually holds. We\u2019ll look at interpretation later in the article.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-net-asset-value-examples\">Net asset value examples<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The following examples show how investors may use the NAV figure in different fund scenarios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Simple mutual fund scenario<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine a mutual fund that holds a mix of stocks and cash, and has a few expenses it needs to pay.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Key figures<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total assets are $50,000,000<\/li>\n\n\n\n<li>Total liabilities are $500,000<\/li>\n\n\n\n<li>Shares outstanding are 2,000,000<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">The net asset value calculation<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Total assets \u2212 total liabilities<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$50,000,000 \u2212 $500,000 = $49,500,000<\/strong><\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Divide by shares outstanding<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$49,500,000 \u00f7 2,000,000 = $24.75 NAV per share<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Explanation<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This NAV calculation means each share represents about $24.75 worth of net value in the fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the fund\u2019s underlying holdings rise in value tomorrow, NAV will usually rise too. If expenses increase or asset values drop, NAV will fall.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fund managers can use NAV-change information to track performance, spot risk early, and decide how to proceed. For example, fund managers may choose to rebalance holdings, adjust exposure, or manage cash to cover upcoming expenses and redemptions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-hypothetical-private-equity-fund-illustration\">Hypothetical private equity fund illustration<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A private equity fund owns stakes in private companies, holds some cash, and has liabilities tied to operating costs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Key figures<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total assets are $120,000,000<\/li>\n\n\n\n<li>Total liabilities are $20,000,000<\/li>\n\n\n\n<li>Shares or units outstanding are 10,000,000<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">The net asset value calculation<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Total assets \u2212 total liabilities<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$120,000,000 \u2212 $20,000,000 = $100,000,000<\/strong><\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>Divide by shares or units outstanding<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>$100,000,000 \u00f7 10,000,000 = $10.00 NAV per unit<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Explanation<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This fund\u2019s NAV is $10 per unit, compared to the mutual fund example\u2019s $24.75 NAV per share, but comparing the two directly is an apples-to-oranges exercise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A $10 NAV is not automatically cheaper or better than a $24.75 NAV. The difference simply means each fund has a different total net value and a different number of units outstanding, so the per-unit NAV ends up in a different range.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a quick comparison of how the way NAV is calculated and used can feel different across the two examples.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Feature<\/th><th>Mutual funds<\/th><th>Private equity funds<\/th><\/tr><\/thead><tbody><tr><td>NAV calculation frequency<\/td><td>Usually daily, often at the end of the day.<\/td><td>Often quarterly or less often.<\/td><\/tr><tr><td>Asset liquidity<\/td><td>High, because many holdings trade publicly.<\/td><td>Low, because holdings can be harder to sell quickly.<\/td><\/tr><tr><td>Valuation method<\/td><td>Market prices are usually easier to pull.<\/td><td>Valuation may require models, estimates, and judgement.<\/td><\/tr><tr><td>Investor access<\/td><td>Usually easier to buy or sell.<\/td><td>Often restricted and less liquid.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In short, mutual fund NAV is usually more objective because prices often come from public markets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Private equity NAV can be more complex because valuations may depend on assumptions, comparable deals, and internal models. That doesn\u2019t make private equity NAV unreliable, but it does mean the number may move in larger jumps and update less frequently.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-a-higher-net-asset-value-always-better\">Is a higher net asset value always better?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not always. A higher NAV only means the per-share or per-unit value is higher. A higher NAV does not automatically mean the fund is a better investment or will perform better in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is not a score. NAV is a snapshot of the fund\u2019s per-share or per-unit net value, and the metric is most useful when you track how it changes over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s what NAV does and doesn\u2019t tell you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What NAV tells you:<\/strong> the fund\u2019s per-share or per-unit net value right now.<\/li>\n\n\n\n<li><strong>What NAV does not tell you:<\/strong> whether the fund is cheap or expensive.<\/li>\n\n\n\n<li><strong>What NAV does not tell you:<\/strong> how risky the fund\u2019s holdings are.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-points-for-tracking-net-asset-value-over-time\">Key points for tracking net asset value over time<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">NAV becomes more useful when you track it consistently. A series of NAV numbers can show whether the fund is trending up, trending down, or staying relatively stable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequency of calculations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">How often NAV is calculated depends on the type of fund.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many mutual funds calculate NAV daily.<\/li>\n\n\n\n<li>Some funds calculate NAV weekly or monthly.<\/li>\n\n\n\n<li>Private equity funds often update NAV quarterly.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re monitoring performance, calculation frequency matters because it changes how quickly you can respond to value changes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Impact of market fluctuations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Market movements can change NAV quickly, especially for funds invested in public assets like stocks, bonds, ETFs, and other publicly traded securities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Common reasons behind NAV changes include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stock prices moving up or down.<\/li>\n\n\n\n<li>Interest rates affecting bond values.<\/li>\n\n\n\n<li>Currency changes affecting global holdings.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">NAV is often calculated after the market closes for the day because an end-of-day calculation provides a cleaner valuation point.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Role of expenses and distributions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Expenses reduce NAV over time because expenses are liabilities or cash outflows that occur throughout the lifetime of the investment. As the fund pays those costs, total net assets decrease, which can reduce the per-share or per-unit NAV.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Distributions, such as dividends paid out to investors, can also reduce NAV, even if the investment is still performing well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can come as a surprise to new investors, but a drop in NAV after a distribution can be normal. A fund can distribute value to you while NAV drops because some of the value has moved from the fund to your pocket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts\">Final thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Net asset value helps you understand what a fund is worth after liabilities, and NAV gives you a consistent way to assess performance over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The hard part is not usually how to calculate net asset value. The hard part is regular tracking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Manual NAV tracking can get messy quickly, especially when you\u2019re juggling multiple accounts, irregular valuations, or changing expenses. <a href=\"https:\/\/www.sage.com\/en-ca\/industry\/financial-services\/\">Financial services accounting software<\/a> can help by keeping asset and liability values organised, current, and easier to review.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-net-asset-value\">Frequently asked questions about net asset value<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1783080158785\"><strong class=\"schema-faq-question\">What is NAV in stocks?<\/strong> <p class=\"schema-faq-answer\">NAV in stocks usually refers to the net asset value of a fund that holds stocks, not the value of an individual stock. For mutual funds and some exchange-traded funds, NAV shows the fund\u2019s total assets minus liabilities, divided by the number of shares or units outstanding.<br><br>For ETFs, the <a href=\"https:\/\/www.securities-administrators.ca\/investor-tools\/understanding-your-investments\/etf-facts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Canadian Securities Administrators<\/a> explain that investors should understand both the market price and the ETF\u2019s net asset value.<br><br>For individual stocks, investors usually use other valuation metrics, such as share price, market capitalization, earnings per share, price-to-earnings ratio, and book value.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783080170944\"><strong class=\"schema-faq-question\">What is the difference between AUV and NAV?<\/strong> <p class=\"schema-faq-answer\">AUV refers to assets under valuation, meaning the total value of assets being measured. NAV is a per-share or per-unit figure that helps investors track value and price fund transactions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783080180790\"><strong class=\"schema-faq-question\">Are there tools that track NAV in real time?<\/strong> <p class=\"schema-faq-answer\">Yes, but the type of tool depends on the investment. Brokerage platforms may show real-time pricing for exchange-traded products, while mutual funds typically update NAV daily. Accounting tools can help consolidate valuations and performance tracking.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783080190457\"><strong class=\"schema-faq-question\">What is Net Asset Value Per Share (NAVPS)?<\/strong> <p class=\"schema-faq-answer\">Net Asset Value Per Share (NAVPS) is the value of a fund\u2019s assets minus liabilities, divided by the number of shares outstanding. NAV per share represents the value of a single share based on the fund\u2019s underlying assets.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783080200995\"><strong class=\"schema-faq-question\">What is NAV valuation?<\/strong> <p class=\"schema-faq-answer\">NAV valuation is the process of calculating a fund\u2019s net asset value by assessing total assets, subtracting liabilities, and determining the per-share or per-unit value. NAV valuation is used to help investors, fund managers, and finance teams understand fund value at a specific point in time.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783080214984\"><strong class=\"schema-faq-question\">What is net asset value in mutual funds?<\/strong> <p class=\"schema-faq-answer\">Net asset value in mutual funds represents the value used to buy or sell fund shares or units. Mutual fund NAV is typically calculated once per day after markets close, based on the total value of the fund\u2019s assets minus liabilities, divided by the number of shares or units outstanding.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1783080222150\"><strong class=\"schema-faq-question\">What is net asset value in real estate?<\/strong> <p class=\"schema-faq-answer\">In real estate, net asset value is used to estimate the value of a property portfolio by subtracting liabilities, such as loans or expenses, from the total value of the properties. NAV is commonly used by real estate investment trusts and property investment funds.<\/p> <\/div> <\/div>\n\n\n\n<section class=\"wp-block-sage-container is-constrained\"><div class=\"sage-container__inner\">\n<p class=\"wp-block-paragraph\"><strong><em>Disclaimer:<\/em><\/strong><em> This article is for general informational purposes only and is not financial, investment, tax, accounting, or legal advice. Speak to a qualified professional before making decisions.<\/em><\/p>\n<\/div><\/section>\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice Newsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p class=\"cta-content__title\">Get a roundup of our best business advice in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-8949a954-88b2-43bb-8b8a-77c53eb34350\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" 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class=\"entry-date published\" datetime=\"2026-10-15T15:33:26-04:00\">October 15, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">11 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/saas-asc-606-revenue-recognition\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tIs\u00a0your SaaS business ready for IFRS 15\/ASC 606 revenue recognition and AI\u00a0token-based pricing?\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tAs SaaS pricing evolves, usage-based, hybrid, and AI-driven models can make revenue recognition more complex. Learn how ASC 606 and IFRS 15 apply and what finance teams can do to stay accurate as pricing changes.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-15218 post type-post status-publish format-standard has-post-thumbnail hentry category-business-planning category-money-matters category-planning-globally category-strategy-legal-operations tag-business-finances tag-business-management tag-cash-flow tag-cfo tag-financial-insights tag-making-financial-decisions tag-midsized-business tag-trending-topics business_type-medium-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/tariffs-margins-cash-flow-forecasts\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2025\/10\/getty-images-ch164WxAoR8-unsplash-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2025\/10\/getty-images-ch164WxAoR8-unsplash-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2025\/10\/getty-images-ch164WxAoR8-unsplash-768x512.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2025\/10\/getty-images-ch164WxAoR8-unsplash.jpg 1200w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-10-09T14:55:52-04:00\">October 9, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat tariffs mean for your margins, cash flow, and forecasts\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-12509 post type-post status-publish format-standard has-post-thumbnail hentry category-growth-customers category-strategy-legal-operations tag-accounting-101 tag-bookkeeping tag-business-intelligence tag-midsized-business tag-profit-and-loss tag-small-business business_type-small-business business_type-medium-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/what-is-a-trial-balance\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/12\/GettyImages-1252669747-684x384.jpg\" class=\"card-post__image\" alt=\"Woman smiling at desk\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/12\/GettyImages-1252669747-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/12\/GettyImages-1252669747-768x432.jpg 768w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2022\/12\/GettyImages-1252669747-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-30T06:56:49-04:00\">September 30, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">11 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tWhat is a trial balance in accounting? A complete guide\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-12478 post type-post status-publish format-standard has-post-thumbnail hentry category-accountants category-strategy-legal-operations category-trends-insights tag-accounting-101 tag-bookkeeping tag-business-finances tag-business-intelligence tag-cash-flow tag-financial-insights tag-midsized-business tag-profit-and-loss tag-small-business business_type-small-business business_type-medium-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/net-income-formula\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/04\/GettyImages-1011227656-708x708-1-684x384.jpg\" class=\"card-post__image\" alt=\"woman working\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/04\/GettyImages-1011227656-708x708-1-684x384.jpg 684w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/04\/GettyImages-1011227656-708x708-1.jpg 708w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/04\/GettyImages-1011227656-708x708-1.jpg 708w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-30T06:44:33-04:00\">September 30, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">10 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tNet income formula: How to calculate net income\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-10066 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters category-strategy-legal-operations tag-accounting-101 tag-business-intelligence tag-data-analysis tag-financial-insights tag-how-to-grow-your-business tag-small-business business_type-small-business business_type-medium-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-ca\/blog\/what-is-markup-percentage\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"384\" src=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/05\/GettyImages-1283894303-640x640-1-640x384.jpg\" class=\"card-post__image\" alt=\"woman in office\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/05\/GettyImages-1283894303-640x640-1-640x384.jpg 640w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/05\/GettyImages-1283894303-640x640-1.jpg 640w, https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2023\/05\/GettyImages-1283894303-640x640-1.jpg 640w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-30T06:29:56-04:00\">September 30, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">9 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tMarkup calculator: How to calculate markup percentage\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Net asset value helps you understand what a fund is worth after liabilities. Learn the NAV formula, how to calculate NAV, and what NAV can\u2014and can\u2019t\u2014tell you.<\/p>\n","protected":false},"author":1910,"featured_media":11860,"menu_order":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_is_cornerstone":"","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","_yoast_wpseo_schema_page_type":"","_yoast_wpseo_schema_article_type":"","_sage_video":false,"_yoast_wpseo_focuskeywords":"[{\"keyword\":\"net asset value\",\"score\":93},{\"keyword\":\"nav formula\",\"score\":72},{\"keyword\":\"net asset value formula\",\"score\":61},{\"keyword\":\"what is net asset value\",\"score\":93}]","_yoast_wpseo_keywordsynonyms":"[\"\",\"\",\"\",\"\",\"\"]","_yoast_wpseo_primary_category":"7","sage_membership_post_content_type":"article","sage_membership_post_featured_video_id":"","sage_membership_post_video_type":"trailer","sage_membership_post_featured_video_duration":"","post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[7,11],"tags":[162,169,190,193],"business_type":[3,99,6],"lilypad":[],"context":[],"industry":[],"persona":[],"imagine_tag":[35,255],"coauthors":[528],"class_list":["post-14634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","category-strategy-legal-operations","tag-accounting-101","tag-business-strategy","tag-financial-insights","tag-investments","business_type-small-business","business_type-medium-business","business_type-accountants"],"sage_meta":{"region":"en-ca","author_name":"Laura Slingo","featured_image":"https:\/\/www.sage.com\/en-ca\/blog\/wp-content\/uploads\/sites\/12\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0465.jpg","imagine_tags":{"35":"accounting software","255":"SBC Accounting"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Canada English","distributor_original_site_url":"https:\/\/www.sage.com\/en-ca\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/posts\/14634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/users\/1910"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/comments?post=14634"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/posts\/14634\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/media\/11860"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/media?parent=14634"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/categories?post=14634"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/tags?post=14634"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/business_type?post=14634"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/lilypad?post=14634"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/context?post=14634"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/industry?post=14634"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/persona?post=14634"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/imagine_tag?post=14634"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-ca\/blog\/api\/wp\/v2\/coauthors?post=14634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}