def testNonRegisteredUpdateNegativeGrowthNegativeUnrealizedGains(self):
fund = funds.NonRegistered()
fund.amount = 20
fund.unrealized_gains = -10
year_rec = utils.YearRecord()
year_rec.growth_rate = -0.4
fund.Update(year_rec)
self.assertEqual(fund.amount, 12)
self.assertAlmostEqual(fund.unrealized_gains, -13.6)
self.assertAlmostEqual(year_rec.tax_receipts[0].gross_gain, -4.4)
self.assertEqual(year_rec.tax_receipts[0].fund_type,
funds.FUND_TYPE_NONREG)
self.assertEqual(len(year_rec.tax_receipts), 1)
def testNonRegisteredUpdateGainsDecrementPastZero(self):
fund = funds.NonRegistered()
fund.amount = 20
fund.unrealized_gains = 10
year_rec = utils.YearRecord()
year_rec.growth_rate = -0.6
fund.Update(year_rec)
self.assertEqual(fund.amount, 8)
self.assertAlmostEqual(fund.unrealized_gains, -0.4)
self.assertAlmostEqual(year_rec.tax_receipts[0].gross_gain, -1.6)
self.assertEqual(year_rec.tax_receipts[0].fund_type,
funds.FUND_TYPE_NONREG)
self.assertEqual(len(year_rec.tax_receipts), 1)
def testNonRegisteredUpdateZeroGrowth(self):
fund = funds.NonRegistered()
fund.amount = 20
fund.unrealized_gains = 10
year_rec = utils.YearRecord()
year_rec.growth_rate = 0
fund.Update(year_rec)
self.assertEqual(fund.amount, 20)
self.assertAlmostEqual(fund.unrealized_gains, 8)
self.assertAlmostEqual(year_rec.tax_receipts[0].gross_gain, 2)
self.assertEqual(year_rec.tax_receipts[0].fund_type,
funds.FUND_TYPE_NONREG)
self.assertEqual(len(year_rec.tax_receipts), 1)
def _SetUpChain(tfsa_amount=0, tfsa_room=0,
rrsp_amount=0, rrsp_room=0,
bridging_amount=0,
nonreg_amount=0, nonreg_gains=0):
year_rec = utils.YearRecord()
tfsa = funds.TFSA()
tfsa.amount = tfsa_amount
year_rec.tfsa_room = tfsa_room
rrsp = funds.RRSP()
rrsp.amount = rrsp_amount
year_rec.rrsp_room = rrsp_room
bridging = funds.RRSPBridging()
bridging.amount = bridging_amount
nonreg = funds.NonRegistered()
nonreg.amount = nonreg_amount
nonreg.unrealized_gains = nonreg_gains
return year_rec, tfsa, rrsp, bridging, nonreg
def testChainedWithdrawForcedWithdrawWantZero(self):
rrsp = funds.RRSP()
rrsp.amount = 100
rrsp.forced_withdraw = 20
nonreg = funds.NonRegistered()
fund_chain = (rrsp, nonreg)
proportions = (0, 1)
withdrawn, gains, year_rec = funds.ChainedWithdraw(0, fund_chain,
proportions,
utils.YearRecord())
self.assertEqual(withdrawn, 0)
self.assertEqual(gains, 0)
self.assertSequenceEqual(
year_rec.withdrawals,
[funds.WithdrawReceipt(20, 0, funds.FUND_TYPE_RRSP)])
self.assertSequenceEqual(
year_rec.deposits, [funds.DepositReceipt(20, funds.FUND_TYPE_NONREG)])
self.assertEqual(rrsp.amount, 80)
self.assertEqual(nonreg.amount, 20)
def testChainedDepositProportions(self):
year_rec = utils.YearRecord()
tfsa = funds.TFSA()
year_rec.tfsa_room = 30
rrsp = funds.RRSP()
year_rec.rrsp_room = 30
nonreg = funds.NonRegistered()
fund_chain = (tfsa, rrsp, nonreg)
proportions = (0.2, 0.5, 1)
deposited, year_rec = funds.ChainedDeposit(100, fund_chain, proportions,
year_rec)
self.assertEqual(deposited, 100)
self.assertSequenceEqual(year_rec.deposits,
[funds.DepositReceipt(20, funds.FUND_TYPE_TFSA),
funds.DepositReceipt(30, funds.FUND_TYPE_RRSP),
funds.DepositReceipt(50, funds.FUND_TYPE_NONREG)])
self.assertEqual(tfsa.amount, 20)
self.assertEqual(rrsp.amount, 30)
self.assertEqual(nonreg.amount, 50)
def testChainedWithdrawPartialInsufficientFunds(self):
rrsp = funds.RRSP()
rrsp.amount = 20
tfsa = funds.TFSA()
tfsa.amount = 20
nonreg = funds.NonRegistered()
nonreg.amount = 40
nonreg.unrealized_gains = 20
fund_chain = (rrsp, tfsa, nonreg)
proportions = (0.1, 0.5, 1)
withdrawn, gains, year_rec = funds.ChainedWithdraw(
60, fund_chain, proportions, utils.YearRecord())
self.assertEqual(withdrawn, 60)
self.assertEqual(gains, 17)
self.assertSequenceEqual(year_rec.withdrawals, [
funds.WithdrawReceipt(6, 0, funds.FUND_TYPE_RRSP),
funds.WithdrawReceipt(20, 0, funds.FUND_TYPE_TFSA),
funds.WithdrawReceipt(34, 17, funds.FUND_TYPE_NONREG)
])
self.assertEqual(rrsp.amount, 14)
self.assertEqual(tfsa.amount, 0)
self.assertEqual(nonreg.amount, 6)
def testChainedWithdrawForcedWithdraw(self):
rrsp = funds.RRSP()
rrsp.amount = 20
rrsp.forced_withdraw = 10
tfsa = funds.TFSA()
tfsa.amount = 50
nonreg = funds.NonRegistered()
nonreg.amount = 30
nonreg.unrealized_gains = 15
fund_chain = (rrsp, tfsa, nonreg)
proportions = (0.1, 0.5, 1)
withdrawn, gains, year_rec = funds.ChainedWithdraw(
60, fund_chain, proportions, utils.YearRecord())
self.assertEqual(withdrawn, 60)
self.assertEqual(gains, 12.5)
self.assertSequenceEqual(year_rec.withdrawals, [
funds.WithdrawReceipt(10, 0, funds.FUND_TYPE_RRSP),
funds.WithdrawReceipt(25, 0, funds.FUND_TYPE_TFSA),
funds.WithdrawReceipt(25, 12.5, funds.FUND_TYPE_NONREG)
])
self.assertEqual(rrsp.amount, 10)
self.assertEqual(tfsa.amount, 25)
self.assertEqual(nonreg.amount, 5)
def testChainedWithdrawInsufficientFunds(self):
# TODO check if this is correct behaviour, or if we need more complicated
# logic for insufficient funds at the end of the chain
rrsp = funds.RRSP()
rrsp.amount = 20
tfsa = funds.TFSA()
tfsa.amount = 50
nonreg = funds.NonRegistered()
nonreg.amount = 20
nonreg.unrealized_gains = 10
fund_chain = (rrsp, tfsa, nonreg)
proportions = (0.1, 0.5, 1)
withdrawn, gains, year_rec = funds.ChainedWithdraw(
60, fund_chain, proportions, utils.YearRecord())
self.assertEqual(withdrawn, 53)
self.assertEqual(gains, 10)
self.assertSequenceEqual(year_rec.withdrawals, [
funds.WithdrawReceipt(6, 0, funds.FUND_TYPE_RRSP),
funds.WithdrawReceipt(27, 0, funds.FUND_TYPE_TFSA),
funds.WithdrawReceipt(20, 10, funds.FUND_TYPE_NONREG)
])
self.assertEqual(rrsp.amount, 14)
self.assertEqual(tfsa.amount, 23)
self.assertEqual(nonreg.amount, 0)