Your M1 Numbers
Portfolio Value
$114,790
total value of your Freedom Engine holdings
Margin Loan
$33,842
what you've borrowed (what you owe)
Available to Borrow
$23,583
M1 "Margin" — you can still borrow this
In M1's words: you're borrowing 29% of your investments
— and M1 lets you borrow up to 44%.
About "utilization" (42%): some tools show loan ÷ credit-line.
M1 itself never shows this number, and it can look alarming, so we de-emphasize it.
Think of it as the % of your own self-imposed cap used — not a headline,
and not an M1 limit.
Calculations
Every number with its formula — the same breakdown as the spreadsheet.
| Metric | Value | Formula |
|---|
| Credit line (M1 limit) | $81,009 | ~44% of the marginable portfolio |
| Credit line as % of portfolio | 70.6% | credit line ÷ portfolio |
| Available to borrow | $23,583 | credit line − loan ($81,009 − $33,842) |
| DTA (Debt-to-Assets) | 29.48% | loan ÷ portfolio ($33,842 ÷ $114,790) |
| Utilization | 41.8% | loan ÷ credit line (% of the line drawn) |
| Market regime (now) | STRONG | S&P vs 200-day + 50-week SMA + VIX |
The PLEX caps by regime (60/50/40% of the credit line) are broken out in the next section.
All M1 Accounts
4 accounts total. Freedom Engine (highlighted) is the one with margin — the focus of this page.
| Account | Value | Margin Loan |
|---|
| Parking Spot | $44,483 | — |
| AAPL | $63,502 | — |
| Personal/Amplifier x3368 | $4,623 | — |
| Freedom Engine | $114,790 | $33,842 |
PLEX Strategy Overlay
Our self-imposed risk discipline by market regime — not M1 limits.
These are OUR caps, not M1's. M1 itself allows borrowing up to 44%
(~$35,644 on your $81,009 credit line). The caps below are a tighter,
voluntary discipline we apply based on market conditions. You are well within every
M1 limit; these simply help us decide how much of the room to actually use.
| Market Regime | Use up to | Our DTA Cap | = Borrow up to | vs your $33,842 loan |
|---|
| Positive SUGGESTED NOW Strong market | 60% of credit line | 42.3% DTA | $48,605 | +$14,764 room to this cap |
| Neutral Caution / mixed | 50% of credit line | 35.3% DTA | $40,504 | +$6,663 room to this cap |
| Defensive Downturn | 40% of credit line | 28.2% DTA | $32,403 | $1,438 above this self-imposed cap |
Market read: STRONG → suggested POSITIVE posture. S&P 7,736 vs 200-SMA 7,050 (above), 50wk 6,954 (above), VIX 15
How to read this: "DTA" = your margin loan ÷ portfolio value
(currently $33,842 ÷ $114,790 = 29.5%).
The suggested cap for today's market is the highlighted row. Room shown is how much
more we'd deploy before reaching our own cap — never an M1 limit.