Update Margin Dashboard with Fidelity balance data and calculate margin-living strategy metrics. Monitors margin balance, interest costs, coverage ratios, and scaling thresholds. Triggers safety alerts for large draws and provides time-based scaling recommendations. Use when updating margin, balances, coverage ratio, or margin strategy analysis.
Monitor and manage margin-living strategy by tracking margin balances, interest costs, dividend coverage ratios, and portfolio-to-margin safety thresholds. Provides data-driven scaling recommendations based on strategy milestones.
Use this skill when:
Location: notebooks/updates/Balances_for_Account_{account_id}.csv
Key Fields to Extract:
Balance,Day change
Total account value,228809.41,3447.61 → Portfolio Value
Margin buying power,193919.92,-4667.04
Net debit,-2992.70,-2191.14 → Margin Balance (abs value)
Margin interest accrued this month,1.12, → Monthly Interest (actual)
Calculations:
Rule: If new margin balance > previous balance + $5,000, STOP
Reason: Large draws should be intentional per margin-living strategy
Example:
Previous: $2,992.70
Current: $9,500.00 (+$6,507.30) → 🚨 ALERT - Confirm intentional draw
Action:
Insert new row with:
date +"%Y-%m-%d")Example Entry:
Date: 2025-11-11
Margin Balance: $2,992.70
Interest Rate: 10.875%
Monthly Interest Cost: $27.11
Notes: Month 1 - Building foundation, on track per strategy
Notes Generation Logic:
months_elapsed = (current_date - datetime(2025, 10, 9)).days // 30
if months_elapsed < 6:
note = f"Month {months_elapsed} - Building foundation, on track per strategy"
elif months_elapsed < 12:
note = f"Month {months_elapsed} - Approaching Month 6 milestone"
elif months_elapsed < 18:
note = f"Month {months_elapsed} - Approaching break-even milestone"