Conversion Pipeline
The Conversion Pipeline is the tracked flow of capital moving from growth-oriented holdings into income-generating positions. It measures how efficiently a portfolio is transitioning from accumulation to income — not just whether conversions are happening, but how much monthly income each dollar converted is producing. The metric captures both the pace of conversion and the income yield unlocked by each move.
How Prospyr uses it
The Portfolio Conversion Tool uses Conversion Pipeline as its core output metric — showing the income jump, tax cost, and net income yield generated by converting a specific growth holding to an income position. In Phase 2, the Income vs. Growth Dashboard will track the Conversion Pipeline as a live metric across the entire portfolio: how much capital has moved from the Growth Engine to the Income Engine, what monthly income that conversion has produced, and the efficiency rate per dollar deployed. This makes the Conversion Pipeline the primary measure of strategic progress for growth-to-income investors.
Why this matters for Canadian investors
For Canadian investors transitioning growth holdings to income, the Conversion Pipeline carries a specific tax consideration: selling an appreciated growth position triggers a capital gains event at the current inclusion rate. The Portfolio Conversion Tool models this tax cost explicitly so the net income yield of the conversion — after tax drag — is visible before the decision is made. Timing conversions across tax years is often the highest-value optimization available at this stage of the transition.