def setUp_decimal(self):
""" Sets up variables based on Decimal inputs. """
super().setUp_decimal()
self.AccountType = RRSP
self.constants = constants.ConstantsCanada(high_precision=Decimal)
# Ensure that inflation_adjustments covers the entire range of
# self.constants.RRSP_ACCRUAL_MAX and the years where self.owner is
# 71-95 (plus a few extra for testing)
min_year = min(min(self.constants.RRSP_ACCRUAL_MAX),
self.owner.birth_date.year +
min(self.constants.RRSP_RRIF_WITHDRAWAL_MIN))
max_year = max(max(self.constants.RRSP_ACCRUAL_MAX),
self.owner.birth_date.year +
max(self.constants.RRSP_RRIF_WITHDRAWAL_MIN)) + 2
self.extend_inflation_adjustments(
min_year, max_year, high_precision=Decimal)
self.initial_contribution_room = Decimal(100)
# Use a value that won't result in a deduction exceeding the
# inflation-adjusted RRSPAccrualMax (~$25,000 in 2017)
self.owner.income = Decimal(100000) # -> $18,000 accrual
# Ensure there are no raises so income is the same in each year:
self.owner.raise_rate_function = lambda _: Decimal(0)
self.owner.gross_income = Decimal(100000)
self.owner.spouse = Person(
self.initial_year, "Spouse", "2 February 1998",
gross_income=Decimal(50000),
retirement_date=self.owner.retirement_date,
high_precision=Decimal)
def setUp(self):
""" Sets up class to use Canadian default values. """
# Override settings/forecaster types to use Canadian subclasses.
# (This is conditional so that subclasses can assign their own
# objects before calling super().setUp())
if not hasattr(self, 'settings'):
self.settings = SettingsCanada()
if not hasattr(self, 'forecaster_type'):
self.forecaster_type = ForecasterCanada
# Let the superclass handle setup:
super().setUp()
self.constants = constants.ConstantsCanada()
# Override tax_treatment to use TaxCanada object:
self.tax_treatment = TaxCanada(
inflation_adjust=self.scenario.inflation_adjust,
province=self.settings.tax_province, constants=self.constants)
# The AccountTransactionStrategy settings for ForecasterCanada
# don't include an Account object; replace it with an
# otherwise-identical TaxableAccount, which is represented in
# the settings.
self.account = TaxableAccount(
owner=self.person,
balance=self.account.balance,
rate=self.account.rate,
nper=self.account.nper)
def setUp(self):
""" Sets up variables for testing TFSAs. """
super().setUp()
self.AccountType = TFSA
self.constants = constants.ConstantsCanada()
# Ensure that inflation_adjustments covers the entire range of
# self.constants.TFSAAnnualAccrual
min_year = min(self.constants.TFSA_ANNUAL_ACCRUAL)
max_year = max(self.constants.TFSA_ANNUAL_ACCRUAL) + 10
self.extend_inflation_adjustments(min_year, max_year)
def setUp_decimal(self):
""" Sets up variables based on Decimal inputs. """
super().setUp_decimal()
self.constants = constants.ConstantsCanada(high_precision=Decimal)
self.AccountType = RegisteredAccount
# Randomly generate inflation adjustments based on inflation
# rates of 1%-20%. Add a few extra years on to the end for
# testing purposes.
self.inflation_adjustments = {self.initial_year: 1}
def inflation_adjust(target_year, base_year):
""" Inflation from base_year to target_year """
return (self.inflation_adjustments[target_year] /
self.inflation_adjustments[base_year])
self.inflation_adjust = inflation_adjust
# Use a convenient default for contribution room:
self.contribution_room = 0
def setUp_decimal(self):
""" Sets up class to use Canadian default values. """
# This handles almost everything:
super().setUp_decimal()
self.settings = SettingsCanada(high_precision=Decimal)
self.constants = constants.ConstantsCanada(high_precision=Decimal)
# Override tax_treatment to use TaxCanada object:
self.tax_treatment = TaxCanada(
inflation_adjust=self.scenario.inflation_adjust,
province=self.settings.tax_province,
high_precision=Decimal,
constants=self.constants)
# The AccountTransactionStrategy settings for ForecasterCanada
# don't include an Account object; replace it with an
# otherwise-identical TaxableAccount, which is represented in
# the settings.
self.account = TaxableAccount(
owner=self.person,
balance=self.account.balance,
rate=self.account.rate,
nper=self.account.nper,
high_precision=Decimal)
def setUp_decimal(self): # pylint: disable=invalid-name
""" Sets up mutable variables for each test call. """
# Set up constants:
self.initial_year = 2000
self.constants = constants.ConstantsCanada(high_precision=Decimal)
# Modify constants to make math easier:
# Build some brackets with nice round numbers:
self.constants.TAX_BRACKETS = {
'Federal': {
self.initial_year: {
Decimal(0): Decimal('0.1'),
Decimal(100): Decimal('0.2'),
Decimal(10000): Decimal('0.3')
}
},
'BC': {
self.initial_year: {
Decimal(0): Decimal('0.25'),
Decimal(1000): Decimal('0.5'),
Decimal(100000): Decimal('0.75')
}
}
}
self.constants.TAX_PERSONAL_DEDUCTION = {
'Federal': {
self.initial_year: Decimal('100')
},
'BC': {
self.initial_year: Decimal('1000')
}
}
self.constants.TAX_CREDIT_RATE = {
'Federal': {
self.initial_year: Decimal('0.1')
},
'BC': {
self.initial_year: Decimal('0.25')
}
}
self.constants.TAX_PENSION_CREDIT = {
'Federal': {
self.initial_year: Decimal('100')
},
'BC': {
self.initial_year: Decimal('1000')
}
}
# It's convenient (and accurate!) to use the same values
# for the spousal amount and the personal deduction:
self.constants.TAX_SPOUSAL_AMOUNT = (
self.constants.TAX_PERSONAL_DEDUCTION)
# Build 100 years of inflation adjustments.
growth_factor = Decimal(32)
year_range = range(self.initial_year, self.initial_year + 100)
self.inflation_adjustments = {
year: 1 + (year - self.initial_year) / growth_factor
for year in year_range
}
# Set to default province:
self.province = 'BC'
self.tax = TaxCanada(self.inflation_adjustments,
province='BC',
constants=self.constants)
# Set up some people to test on:
# Person1 makes $100,000/yr, has a taxable account with $500,000
# taxable income, and an RRSP with $500,000 in taxable income.
self.person1 = Person(self.initial_year,
"Tester 1",
self.initial_year - 20,
retirement_date=self.initial_year + 45,
gross_income=100000)
self.taxable_account1 = TaxableAccount(owner=self.person1,
acb=0,
balance=Decimal(1000000),
rate=Decimal('0.05'),
nper=1)
self.taxable_account1.add_transaction(-Decimal(1000000), when='start')
# NOTE: by using an RRSP here, a pension income tax credit will
# be applied by TaxCanadaJurisdiction. Be aware of this if you
# want to test this output against a generic Tax object with
# Canadian brackets.
self.rrsp = RRSP(self.person1,
inflation_adjust=self.inflation_adjustments,
contribution_room=0,
balance=Decimal(500000),
rate=Decimal('0.05'),
nper=1,
constants=self.constants)
self.rrsp.add_transaction(-Decimal(500000), when='start')
# Person2 makes $50,000/yr and has a taxable account with
# $5000 taxable income.
self.person2 = Person(self.initial_year,
"Tester 2",
self.initial_year - 18,
retirement_date=self.initial_year + 47,
gross_income=50000)
self.taxable_account2 = TaxableAccount(owner=self.person2,
acb=0,
balance=Decimal(10000),
rate=Decimal('0.05'),
nper=1)
self.taxable_account2.add_transaction(-Decimal(10000), when='start')
