@ Sairahmad
If u convert it through bank, the transaction itself will be visible on the account. So VO may not ask. If you do it through money exchange, they may ask.
Neither does CIC/VO stops u from using those funds for some urgent need, wherein shortage is covered over a short period from verifiable and genuine in-flows (salary savings or sale of investment etc etc but NOT LOAN).
Using one account for ur expenses and another for accumulating savings from verifiable and genuine in-flows (salary savings or sale of investment etc etc but NOT LOAN), is also acceptable.
Similarly, CIC/VO can't stop u from adding ur monthly savings in ur account. No one keeps stash of cash at their home unless its illegal.
CIC/VO goal is to make sure that u have required amount of legally obtained liquid funds to bring it to Canada. Thats it. The purpose of requiring statement is just to ensure that amount is legally earned and NOT BORROWED.
Net Net, if its just addition OR reallocation of investment from one asset class to another, while maintaining the LIQUIDITY and WITHOUT creating any doubt abt source of funds (as in borrowed or illegal), u r comfortable.
P.S: Since submission, i have sold stocks equal to 20% of my settlement funds and consumed good part of it while not touching my salary account. So, if asked, i can easily tell tht i was using stock sale proceeds for daily expense and hence all of my salary was saved, which is credited in different account denominated in different currency.
P.P.S: Joint account with husband or even Husband's account if acceptable, if he is included in ur application as dependent.