Live margin account · Monthly updates

Real
trades.
Real stakes.

A mid-forties Canadian investor from the suburbs of Montreal documenting a real WealthSimple margin account. Every dollar. Every distribution. Every lesson. Nothing hidden.

▶ Watch Month 4 — August Results Get Monthly Results →
+$388.16
August distributions
-$141.75
Interest charged
+2.22%
All-time return
Leveraged Life
Total All-Time Return
+$1,018.47
+2.22%
Distributions
Interest
Distributions (4 months) +$986.84 CAD
Interest charged (4 months) -$387.26 CAD
Coverage ratio 2.55x
Capital appreciation +$418.89 CAD
About

What is Leveraged Life?

📊
Every number on screen
Exact CAD borrowed, interest paid, distributions received, and total return — every single month.
🍁
Canadian-listed ETFs only
All positions in CAD. No currency risk. Clean, simple, comparable month to month.
📅
Monthly episodes
Updates drop once all distributions and interest are fully in — the complete picture every time.
0% 36% utilized — above my 35% ceiling, paused 100%
Interest rate (CAD) 3.95%
Active ETF positions 33
Strategy Grow mode — paused above 35%
30% Target band: 30–32% — currently 36% 35% ceiling
Strategy Cover margin interest, reinvest surplus into more shares — once utilization drops to the 30–32% band
Hard ceiling 35% utilization
Status Paused — coasting down via distributions
Updated Monthly, alongside the latest video
Month 4 — August 2026

The full picture.

Every number from Month 4. Updated monthly once all distributions and interest are fully received.

Distributions
+$388.16
across the month
Interest charged
-$141.75
3.95% CAD rate
Net cash income
+$246.41
Dist. minus interest
Coverage ratio
2.74x
Dist. covered interest
All-time gain
+$1,018.47
appreciation + dist. − interest
All-time return
+2.22%
on total deployed
Month 1 (May) · Portfolio: $21,314 · Return: +1.61%
Month 2 (June) · Portfolio: $31,649 · Return: +2.52%
Month 3 (July) · Portfolio: $43,131 · Return: +0.90%
Month 4 (Aug) · Portfolio: $46,257 · Return: +2.22%
Watch Month 1 Breakdown → Watch Month 2 Breakdown → Watch Month 3 Breakdown → Watch Month 4 Breakdown →
Portfolio Holdings

Current positions — August 31, 2026

33 ETF positions across the WealthSimple margin account, plus 3 short options positions (NOK, SOFI, TSLL cash-secured puts). All ETF holdings in Canadian dollars.

Leveraged Life — Holdings Breakdown
33 POSITIONS
Total value
$46,257 CAD
Positions
33 ETFs
As of
Aug 31, 2026
Portfolio
$46,257
CAD
Not financial advice — simply my journey in margin · Updated monthly · leveragedlife.ca Download Chart (Free)
Episodes

Watch the journey.

The latest update — subscribe on YouTube so you never miss one.

NEW
Monthly Review — August 2026
Net Equity Nearly Doubled — Inside the Busiest Month Yet
A full portfolio consolidation (13 sold, 7 kept, $10,400 redeployed), a new Grow-mode distribution policy, $388.16 CAD in distributions, and the numbers behind August — the first monthly review in the channel's new format.
Watch →
Free Download

My 4 Margin Rules.

The 4 non-negotiable rules I set before my very first leveraged trade. Download free — no email required.

1
Never exceed 50% of available margin
2
Written thesis on Blossom before every trade
3
Interest always in the return calculation
4
Full transparency — especially on losses
Download Free PDF →
My 4 Margin Rules FREE
RULE 01
Never exceed 50% of available margin
Keeps me far from a margin call. The 50% ceiling is non-negotiable.
RULE 02
Every trade needs a written thesis
Post on Blossom before buying. Can't explain it? Don't buy it.
RULE 03
Interest is always in the math
A 10% gain at 10% interest is a 0% gain. Always account for the cost.
RULE 04
Full transparency — especially losses
The losses go on screen just like the wins. No highlight reels.
For Your Kids

The Snowball Series.

A children's book series for the kids of investors — set in Montreal, written in English, featuring French-named characters.

Follow Théo Villeneuve through picture books, a colouring book, and an activity journal that plant the seed of financial curiosity early — through wonder, patience, and the magic of small things growing into something big. Written by Felix Laneige, the pen name of the investor behind Leveraged Life.

Shop the Series on Amazon →
Free Tool

The Snowball Calculator.

See how your portfolio grows over time. Enter your numbers and watch the snowball roll. Enter your email to download the free Excel version.

This shows how much of your total return comes from distributions. Must be ≤ Total Annual Return %.
1 yr 40 yrs
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Every month I send the full breakdown — distributions, interest, capital appreciation, and total return — before the YouTube video drops. Free. One email per month.