Fortress Status
Fortress Status is a Coverage Ratio of 1.15 or higher — the top tier of DRIP health in Prospyr’s Coverage Ratio System. At Fortress, your dividend income is at least 15% above the minimum required for reinvestment. The DRIP is fully defended against typical price increases, dividend timing variability, and minor payout changes. Fortress is the goal state: the holding is compounding, the buffer is wide, and no immediate action is required.
How Prospyr uses it
Fortress Status is part of the Coverage Ratio System, coming in Phase 2. In Phase 2, each holding in your connected portfolio will display a Fortress, Defended, At Risk, or Broken badge — giving you an immediate visual read on DRIP health across all positions. Holdings at Fortress Status will appear in green on the dashboard. The system updates automatically as dividend payments and share prices change. Until Phase 2 launches, you can check whether a single holding qualifies for Fortress Status using the DRIP Engine Simulator, which outputs your current buffer level and break point.
Why this matters for Canadian investors
Fortress Status matters more in Canada than in markets with fractional DRIP support. Because Canadian brokers reinvest whole shares only, a holding at exactly 1.00 coverage — theoretically sustainable — is one price move away from breaking entirely. Fortress (≥1.15) builds in the buffer that keeps the DRIP alive through normal share price volatility without requiring constant monitoring. It is the difference between a DRIP you can leave alone and one that needs watching every quarter.