Margin Management

Purpose

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.

When to Use

Use this skill when:

• Syncing live margin balances from SnapTrade
• Updating margin balance or interest rate
• Calculating coverage ratio (dividends ÷ interest)
• User mentions: "margin dashboard", "margin balance", "coverage ratio", "margin strategy"
• Assessing margin scaling decisions
• Checking safety thresholds

Personal Strategy Inputs

Static private assumptions come from .env (see .env.example). Current portfolio facts come from SnapTrade (live) by default, then src/analysis/margin_metrics.py derives ratios/costs at runtime. Do not hardcode personal numbers in this skill. The legacy Fidelity balances CSV is a fallback only (--source csv).