def testCPPDuringWorkingPeriod(self):
income = incomes.CPP()
amount, taxable, year_rec = income.GiveMeMoney(utils.YearRecord())
self.assertEqual(amount, 0)
self.assertEqual(taxable, True)
self.assertIn(incomes.IncomeReceipt(0, incomes.INCOME_TYPE_CPP),
year_rec.incomes)
def testCPPAnnualUpdateZeroEarnings(self):
income = incomes.CPP()
income.ympe_fractions = []
year_rec = utils.YearRecord()
year_rec.is_retired = False
year_rec.pensionable_earnings = 0
income.AnnualUpdate(year_rec)
self.assertEqual(income.ympe_fractions, [0])
def testCPPAnnualUpdatePositiveEarnings(self):
income = incomes.CPP()
income.ympe_fractions = []
year_rec = utils.YearRecord()
year_rec.is_retired = False
year_rec.pensionable_earnings = 100
income.AnnualUpdate(year_rec)
self.assertEqual(income.ympe_fractions, [100 / world.YMPE])
def testCPPRetired63AllPositiveEarnings(self):
income = incomes.CPP()
income.ympe_fractions = [0.8] * 40 + [0] * 5
fake_person = unittest.mock.MagicMock()
fake_person.age = 63
fake_person.year = 2047
fake_person.cpi_history = [1, 1, 1, 1, 1, 1]
income.OnRetirement(fake_person)
self.assertAlmostEqual(income.benefit_amount, 12115.6655268)
def testCPPRetired72AllPositiveEarnings(self):
income = incomes.CPP()
income.ympe_fractions = [0.8] * 49 + [0] * 5
fake_person = unittest.mock.MagicMock()
fake_person.age = 72
fake_person.year = 2056
fake_person.cpi_history = [1, 1, 1, 1, 1, 1]
income.OnRetirement(fake_person)
self.assertAlmostEqual(income.benefit_amount, 21981.3428000)
def testCPPRetired68AllPositiveEarnings(self):
income = incomes.CPP()
income.ympe_fractions = [0.8] * 45 + [0] * 5
fake_person = unittest.mock.MagicMock()
fake_person.age = 68
fake_person.year = 2052
fake_person.cpi_history = [1, 1, 1, 1, 1, 1]
income.OnRetirement(fake_person)
self.assertAlmostEqual(income.benefit_amount, 18624.5036950)
def testCPPRetired65IncludesZeroEarnings(self):
income = incomes.CPP()
income.ympe_fractions = [0.8] * 37 + [0] * 10
fake_person = unittest.mock.MagicMock()
fake_person.age = 65
fake_person.year = 2049
fake_person.cpi_history = [1, 1, 1, 1, 1, 1]
income.OnRetirement(fake_person)
self.assertAlmostEqual(income.benefit_amount, 13694.3691932)
def __init__(self,
strategy,
gender=FEMALE,
basic_only=False,
real_values=True):
self.year = world.BASE_YEAR
self.age = world.START_AGE
self.gender = gender
self.strategy = strategy
self.cpi = 1 # Ignoring factor of 100 and StatsCan rounding rules here.
self.cpi_history = []
self.basic_only = basic_only
self.real_values = real_values
self.employed_last_year = True
self.retired = False
# CAUTION: GIS must be the last income in the list.
self.incomes = [
incomes.Earnings(),
incomes.EI(),
incomes.CPP(),
incomes.OAS(),
incomes.GIS()
]
self.funds = {
"wp_tfsa": funds.TFSA(),
"wp_rrsp": funds.RRSP(),
"wp_nonreg": funds.NonRegistered()
}
self.involuntary_retirement_random = random.random()
self.tfsa_room = world.TFSA_INITIAL_CONTRIBUTION_LIMIT
self.rrsp_room = world.RRSP_INITIAL_LIMIT
self.capital_loss_carry_forward = 0
self.accumulators = utils.AccumulatorBundle()
self.has_been_ruined = False
self.has_received_gis = False
self.has_experienced_income_under_lico = False
# The following hold real dollar amounts
self.assets_at_retirement = 0
self.total_retirement_withdrawals = 0
self.total_lifetime_withdrawals = 0
self.total_working_savings = 0
self.positive_earnings_years = 0
self.positive_savings_years = 0
self.ei_years = 0
self.gis_years = 0
self.gross_income_below_lico_years = 0
self.no_assets_years = 0
self.period_years = {
EMPLOYED: 0,
UNEMPLOYED: 0,
RETIRED: 0,
INVOLUNTARILY_RETIRED: 0
}
def testCPPRetired65AllPositiveEarningsWithInflation(self):
income = incomes.CPP()
income.ympe_fractions = [0.8] * 42 + [0] * 5
fake_person = unittest.mock.MagicMock()
fake_person.age = 65
fake_person.year = 2049
# We use a silly value for the current year's CPI to check we aren't using it.
fake_person.cpi_history = [1, 1.02, 1.0404, 1.061208, 1.08243216, 100]
income.OnRetirement(fake_person)
self.assertAlmostEqual(income.benefit_amount, 15033.4266907)