def setUp(self):
self.cost_manager = CostManagerFactory()
active_client = ActiveClientMainFactory(
birthday=datetime.datetime(1967, 1, 1))
self.patrimony = PatrimonyMainFactory()
self.patrimony.incomes.all().update(value_monthly=55000,
thirteenth=False,
vacation=False)
ActiveFactory(value=30000.00,
active_manager=self.patrimony.activemanager)
ActiveFactory(value=321200.00,
active_manager=self.patrimony.activemanager)
ArrearageFactory(patrimony=self.patrimony, value=351200.00)
self.goal_manager = GoalManagerFactory()
GoalFactory.create_batch(4,
goal_manager=self.goal_manager,
year_init=2017,
year_end=2027,
value=2500,
periodicity=1)
self.financial_independece = FinancialIndependenceFactory(
duration_of_usufruct=35,
remain_patrimony=30000,
)
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
cost_manager=self.cost_manager,
patrimony=self.patrimony,
financial_independence=self.financial_independece,
goal_manager=self.goal_manager,
target_profitability=110,
)
class FinancialPlanningModelTest(TestCase):
def setUp(self):
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
target_profitability=1.10,
cdi=0.1213,
ipca=0.075)
def test_duration_financial_planning(self):
self.assertEqual(self.financial_planning.duration(), 10)
def test_real_gain_related_cdi(self):
self.assertAlmostEqual(self.financial_planning.real_gain_related_cdi(),
0.054353488372093084)
def test_real_gain(self):
self.assertAlmostEqual(self.financial_planning.real_gain(),
0.04306976744186053)
def test_save_financial_planning(self):
financial_planning = FinancialPlanningFactory(init_year=None)
self.assertEqual(financial_planning.init_year,
datetime.datetime.now().year)
def test_end_year(self):
self.assertEqual(self.financial_planning.end_year(), 2027)
def setUp(self):
self.cost_manager = CostManagerFactory()
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
self.patrimony = PatrimonyFactory()
self.patrimony.incomes.all().update(value_monthly=55000,
thirteenth=False,
vacation=False)
for active in self.patrimony.activemanager.actives.all():
active.delete()
data = [{
'value': 30000.00,
'rate': 1.1879
}, {
'value': 321200.00,
'rate': 0.7500
}, {
'value': 351200.00,
'rate': 0.7500
}]
for active in data:
ActiveFactory(**active,
active_manager=self.patrimony.activemanager)
ArrearageFactory(patrimony=self.patrimony, value=351200.00)
self.goal_manager = GoalManagerFactory()
GoalFactory.create_batch(4,
goal_manager=self.goal_manager,
init_year=2017,
end_year=2027,
value=2500,
periodicity=1)
self.financial_independence = FinancialIndependenceFactory(
duration_of_usufruct=35,
remain_patrimony=30000,
)
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
cost_manager=self.cost_manager,
patrimony=self.patrimony,
financial_independence=self.financial_independence,
goal_manager=self.goal_manager,
cdi=0.1213,
)
protection_manager = ProtectionManagerFactory(
financial_planning=self.financial_planning)
for private_pension in protection_manager.private_pensions.all():
private_pension.delete()
for life_insurance in protection_manager.life_insurances.all():
life_insurance.delete()
LifeInsuranceFactory(protection_manager=protection_manager,
value_to_pay_annual=2000,
has_year_end=False)
def setUp(self):
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
target_profitability=1.10,
cdi=0.1213,
ipca=0.075)
def emergency_reserve_case(self, model):
financial_planning = FinancialPlanningFactory()
patrimony = financial_planning.patrimony
self.assertEqual(0, model.history.count())
EmergencyReserveFactory(patrimony=patrimony,
cost_manager=financial_planning.cost_manager)
self.assertEqual(1, model.history.count())
def setUp(self):
active_client = ActiveClientMainFactory(
birthday=datetime.datetime(1977, 1, 1))
financial_planning = FinancialPlanningFactory(
active_client=active_client)
self.goal_manager = financial_planning.goal_manager
goal_type1 = GoalTypeFactory(name='Imóvel')
goal_type2 = GoalTypeFactory(name='Vestuário')
self.goal_has_end_date = GoalFactory(has_end_date=False,
goal_type=goal_type1,
year_init=2021,
periodicity=3,
value=50000,
goal_manager=self.goal_manager)
self.goal_hasnt_end_date = GoalFactory(has_end_date=True,
goal_type=goal_type2,
year_init=2021,
periodicity=3,
value=50000,
year_end=2031,
goal_manager=self.goal_manager)
self.array_flow_withot_date = [
0, 0, 0, 0, 50000, 0, 0, 50000, 0, 0, 50000, 0, 0, 50000, 0, 0,
50000, 0, 0, 50000
]
self.array_flow_with_date = [
0, 0, 0, 0, 50000, 0, 0, 50000, 0, 0, 50000, 0, 0, 50000, 0, 0, 0,
0, 0, 0
]
def setUp(self):
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
financial_planning = FinancialPlanningFactory(
cdi=0.1213, ipca=0.075, active_client=active_client)
self.protection_manager = ProtectionManagerFactory(
financial_planning=financial_planning)
self.protection_manager.private_pensions.all().update(
value=20000, annual_investment=2000)
for life_insurance in self.protection_manager.life_insurances.all():
life_insurance.delete()
for private_pension in self.protection_manager.private_pensions.all():
private_pension.delete()
life_insurances = [
{'value_to_pay_annual': 2000, 'has_year_end': False},
{'value_to_pay_annual': 2000, 'has_year_end': True,
'year_end': 2020, },
{'value_to_pay_annual': 1000, 'has_year_end': True,
'year_end': 2023, }]
for life_insurance in life_insurances:
LifeInsuranceFactory(**life_insurance,
protection_manager=self.protection_manager)
private_pensions = [
{'annual_investment': 5000}, {'annual_investment': 3000},
{'annual_investment': 2000}, {'annual_investment': 8000},
]
for private_pension in private_pensions:
PrivatePensionFactory(protection_manager=self.protection_manager,
**private_pension)
def setUp(self):
financial_planning = FinancialPlanningFactory(cdi=0.1213, ipca=0.0750)
self.reserve_in_lack = financial_planning.protection_manager.\
reserve_in_lack
self.reserve_in_lack.value_0_to_24_mounth = 13000
self.reserve_in_lack.value_24_to_60_mounth = 10000
self.reserve_in_lack.value_60_to_120_mounth = 5000
self.reserve_in_lack.value_120_to_240_mounth = 5000
def setUp(self):
self.cost_manager = CostManagerFactory()
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
cost_manager=self.cost_manager,
)
def _create_reserve_in_lack():
financial_planning = FinancialPlanningFactory(cdi=0.1213, ipca=0.0750)
protection_manager = ProtectionManagerFactory(
financial_planning=financial_planning)
reserve_in_lack = protection_manager.reserve_in_lack
reserve_in_lack.value_0_to_24_mounth = 13000
reserve_in_lack.value_24_to_60_mounth = 10000
reserve_in_lack.value_60_to_120_mounth = 5000
reserve_in_lack.value_120_to_240_mounth = 5000
return reserve_in_lack
def setUp(self):
self.financial_independence = FinancialIndependenceFactory(
duration_of_usufruct=35,
remain_patrimony=30000,
)
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
financial_independence=self.financial_independence,
)
def setUp(self):
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
financial_planning = FinancialPlanningFactory(
active_client=active_client)
goal_manager = financial_planning.goal_manager
self.financial_independence = financial_planning.financial_independence
self.financial_independence.rate = 0.02
goals_type = [{
'name': 'Casa Extra'
}, {
'name': 'Compra De Cotas Societárias'
}, {
'name': 'Moradia'
}, {
'name': 'Reforma e Manutenção Da Casa'
}, {
'name': 'Viagens'
}]
data_goal_type = []
for goal_type in goals_type:
data_goal_type.append(GoalTypeFactory(**goal_type))
goals = [{
'value': 200000,
'init_year': 2018,
'end_year': 2018
}, {
'value': 500000,
'init_year': 2022,
'end_year': 2022
}, {
'value': 1000000,
'init_year': 2021,
'end_year': 2021
}, {
'value': 140000,
'init_year': 2025,
'end_year': 2025
}, {
'value': 50000,
'init_year': 2023,
'end_year': 2023
}]
self.data_goals = []
for goal_type, goal in zip(data_goal_type, goals):
self.data_goals.append(
GoalFactory(**goal,
goal_type=goal_type,
goal_manager=goal_manager))
def setUp(self):
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
financial_planning = FinancialPlanningFactory(
active_client=active_client, ipca=0.075)
protection_manager = ProtectionManagerFactory(
financial_planning=financial_planning)
reserve_in_lack = _create_reserve_in_lack()
protection_manager = reserve_in_lack.protection_manager
protection_manager.financial_planning = financial_planning
for private_pension in protection_manager.private_pensions.all():
private_pension.delete()
for life_insurance in protection_manager.life_insurances.all():
life_insurance.delete()
private_pensions = [
{'value': 20000, 'annual_investment': 2000, 'rate': 0.1213},
{'value': 4000, 'annual_investment': 200, 'rate': 0.09},
{'value': 4000, 'annual_investment': 200, 'rate': 0.09},
]
self.private_pensions_array = []
for private_pension in private_pensions:
element = PrivatePensionFactory(
**private_pension, protection_manager=protection_manager)
self.private_pensions_array.append(element)
life_insurances = [
{'value_to_pay_annual': 2000, 'value_to_recive': 500000,
'actual': True},
{'value_to_pay_annual': 2000, 'value_to_recive': 200000,
'actual': False},
{'value_to_pay_annual': 1000, 'value_to_recive': 300000,
'actual': True},
{'value_to_pay_annual': 1000, 'value_to_recive': 300000,
'actual': True},
]
for life_insurance in life_insurances:
LifeInsuranceFactory(**life_insurance,
protection_manager=protection_manager)
self.future_patrimony_succession =\
protection_manager.future_patrimony_succession
self.future_patrimony_succession.itcmd_tax = 0.06
self.future_patrimony_succession.oab_tax = 0.05
self.future_patrimony_succession.other_taxes = 0.02
self.protection_manager = protection_manager
def setUp(self):
active_client = ActiveClientMainFactory(
birthday=datetime.datetime(1967, 1, 1))
self.patrimony = PatrimonyMainFactory()
self.patrimony.incomes.all().update(value_monthly=1212.2)
FinancialPlanningFactory(
active_client=active_client,
patrimony=self.patrimony)
self.common_income = IncomeFactory(value_monthly=round(1200, 2),
thirteenth=False,
patrimony=self.patrimony,
vacation=False)
self.income_with_thirteenth = IncomeFactory(value_monthly=1200.00,
thirteenth=True,
patrimony=self.patrimony,
vacation=False)
self.income_with_vacation = IncomeFactory(value_monthly=round(1200, 2),
thirteenth=False,
patrimony=self.patrimony,
vacation=True)
def setUp(self):
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
self.patrimony = PatrimonyFactory()
self.patrimony.incomes.all().update(value_monthly=1212.2)
FinancialPlanningFactory(active_client=active_client,
patrimony=self.patrimony)
self.common_income = IncomeFactory(value_monthly=1200,
thirteenth=False,
patrimony=self.patrimony,
vacation=False)
self.income_with_thirteenth = IncomeFactory(value_monthly=1200.00,
thirteenth=True,
patrimony=self.patrimony,
vacation=False)
self.income_with_vacation = IncomeFactory(value_monthly=1200,
thirteenth=False,
patrimony=self.patrimony,
vacation=True)
ArrearageFactory(patrimony=self.patrimony, value=351200.00, period=3)
RealEstateFactory(patrimony=self.patrimony, salable=True)
def setUp(self):
financial_planning = FinancialPlanningFactory()
self.active_manager = financial_planning.patrimony.activemanager
patrimony = financial_planning.patrimony
self.emergency_reserve = financial_planning.protection_manager.\
emergency_reserve
self.emergency_reserve.mounth_of_protection = 12
for active in self.active_manager.actives.all():
active.delete()
cost_manager = financial_planning.cost_manager
for regular_cost in cost_manager.regular_costs.all():
regular_cost.delete()
for arrearage in patrimony.arrearages.all():
arrearage.delete()
regular_costs = [{'value': 500}, {'value': 1500}, {'value': 2500}]
for regular_cost in regular_costs:
RegularCostFactory(**regular_cost, cost_manager=cost_manager)
def setUp(self):
financial_planning = FinancialPlanningFactory(cdi=0.1)
self.active_manager = financial_planning.patrimony.activemanager
for active in self.active_manager.actives.all():
active.delete()
data = [{
'value': 27000.00,
'rate': 1.1879
}, {
'value': 125000.00,
'rate': 0.7500
}, {
'value': 95000.00,
'rate': 0.9000
}]
for active in data:
ActiveFactory(**active, active_manager=self.active_manager)
# Update all equivalent_rates of that manager
self.active_manager.real_profit_cdi()
class FinancialPlanningFlowTest(TestCase):
def setUp(self):
self.cost_manager = CostManagerFactory()
active_client = ActiveClientFactory(
birthday=datetime.datetime(1967, 1, 1))
self.patrimony = PatrimonyFactory()
self.patrimony.incomes.all().update(value_monthly=55000,
thirteenth=False,
vacation=False)
for active in self.patrimony.activemanager.actives.all():
active.delete()
data = [{
'value': 30000.00,
'rate': 1.1879
}, {
'value': 321200.00,
'rate': 0.7500
}, {
'value': 351200.00,
'rate': 0.7500
}]
for active in data:
ActiveFactory(**active,
active_manager=self.patrimony.activemanager)
ArrearageFactory(patrimony=self.patrimony, value=351200.00)
self.goal_manager = GoalManagerFactory()
GoalFactory.create_batch(4,
goal_manager=self.goal_manager,
init_year=2017,
end_year=2027,
value=2500,
periodicity=1)
self.financial_independence = FinancialIndependenceFactory(
duration_of_usufruct=35,
remain_patrimony=30000,
)
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
cost_manager=self.cost_manager,
patrimony=self.patrimony,
financial_independence=self.financial_independence,
goal_manager=self.goal_manager,
cdi=0.1213,
)
protection_manager = ProtectionManagerFactory(
financial_planning=self.financial_planning)
for private_pension in protection_manager.private_pensions.all():
private_pension.delete()
for life_insurance in protection_manager.life_insurances.all():
life_insurance.delete()
LifeInsuranceFactory(protection_manager=protection_manager,
value_to_pay_annual=2000,
has_year_end=False)
def test_annual_leftovers_for_goal_without_change(self):
array = [
607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257
]
self.assertEqual(self.financial_planning.annual_leftovers_for_goal(),
array)
def test_annual_leftovers_without_change(self):
array = [
647364.8, 647364.8, 647364.8, 647364.8, 647364.8, 647364.8,
647364.8, 647364.8, 647364.8, 647364.8
]
self.assertEqual(self.financial_planning.annual_leftovers(), array)
def test_annual_leftovers_for_goal_with_change(self):
FlowUnitChange.objects.create(annual_value=2000.00,
year=2018,
incomes=self.patrimony)
FlowUnitChange.objects.create(annual_value=2000.00,
year=2017,
cost_manager=self.cost_manager)
FlowUnitChange.objects.create(annual_value=9000.00,
year=2026,
cost_manager=self.cost_manager)
array = [
605045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
598045.13144555257
]
self.assertEqual(self.financial_planning.annual_leftovers_for_goal(),
array)
def test_total_resource_for_annual_goals(self):
FlowUnitChange.objects.create(annual_value=2000.00,
year=2018,
incomes=self.patrimony)
FlowUnitChange.objects.create(annual_value=2000.00,
year=2017,
cost_manager=self.cost_manager)
FlowUnitChange.objects.create(annual_value=9000.00,
year=2026,
cost_manager=self.cost_manager)
GoalFactory.create_batch(4,
goal_manager=self.goal_manager,
init_year=2017,
end_year=2027,
value=65865,
periodicity=1)
array = [
341585.13144555251, 413413.10143097816, 491145.17214779771,
573102.25206646265, 659513.98517549736, 750622.49741528649,
846683.07511569967, 947964.88030916872, 1054751.7049235257,
1167342.7659678517
]
self.assertEqual(
self.financial_planning.total_resource_for_annual_goals, array)
def test_suggested_flow_patrimony(self):
array = [
647364.8, 1319372.6002455815, 2027906.368647767, 2774951.418992036,
3562600.973793622, 4393062.0295134, 5268661.54056872,
6191852.939466794, 7165223.011330091, 8191499.142076154
]
self.assertEqual(
self.financial_planning.suggested_flow_patrimony['flow'], array)
def test_actual_flow_patrimony(self):
array = [
647364.8, 1295546.2297445768, 1954727.8567590017,
2625096.3638675935, 3306841.6020630263, 4000156.644272876,
4705237.840038632, 5422284.871122657, 6151500.808058847,
6893092.167663001
]
self.assertEqual(self.financial_planning.actual_flow_patrimony['flow'],
array)
def setUp(self):
self.active_client = ActiveClientFactory()
self.financial_planning = FinancialPlanningFactory()
self.financial_adviser = FinancialAdviserFactory()
self.patrimony = PatrimonyFactory()
class FinancialPlanningTest(TestCase):
def setUp(self):
self.cost_manager = CostManagerFactory()
active_client = ActiveClientMainFactory(
birthday=datetime.datetime(1967, 1, 1))
self.patrimony = PatrimonyMainFactory()
self.patrimony.incomes.all().update(value_monthly=55000,
thirteenth=False,
vacation=False)
ActiveFactory(value=30000.00,
active_manager=self.patrimony.activemanager)
ActiveFactory(value=321200.00,
active_manager=self.patrimony.activemanager)
ArrearageFactory(patrimony=self.patrimony, value=351200.00)
self.goal_manager = GoalManagerFactory()
GoalFactory.create_batch(4,
goal_manager=self.goal_manager,
year_init=2017,
year_end=2027,
value=2500,
periodicity=1)
self.financial_independece = FinancialIndependenceFactory(
duration_of_usufruct=35,
remain_patrimony=30000,
)
self.financial_planning = FinancialPlanningFactory(
active_client=active_client,
cost_manager=self.cost_manager,
patrimony=self.patrimony,
financial_independence=self.financial_independece,
goal_manager=self.goal_manager,
target_profitability=110,
)
def test_duration_financial_planning(self):
self.assertEqual(
self.financial_planning.duration(), 10)
def test_cost_manager_total(self):
total = 219.5999999999994
self.assertAlmostEqual(self.cost_manager.total(), total, 4)
def test_regular_cost_flow_with_change(self):
FlowUnitChange.objects.create(annual_value=123.40, year=2021,
cost_manager=self.cost_manager)
FlowUnitChange.objects.create(annual_value=-123.40, year=2022,
cost_manager=self.cost_manager)
flow_regular_cost_change = [2635.1999999999994, 2635.1999999999994,
2635.1999999999994, 2635.1999999999994,
2758.5999999999995, 2635.1999999999994,
2635.1999999999994, 2635.1999999999994,
2635.1999999999994, 2635.1999999999994]
self.assertEqual(flow_regular_cost_change, self.cost_manager.flow())
def test_assets_required(self):
self.assertAlmostEqual(self.financial_independece.assets_required(),
6447963.5463578859,
4)
def test_remain_necessary_for_retirement_with_high_patrimony(self):
active_manager = self.patrimony.activemanager
active_manager.actives.update(value=30021200.00)
self.assertEqual(self.financial_independece.
remain_necessary_for_retirement(), 0)
def test_remain_necessary_for_retirement(self):
self.financial_planning.active_client.\
birthday = datetime.datetime(1978, 1, 1)
self.assertAlmostEqual(self.financial_independece.
remain_necessary_for_retirement(),
12156.118288258309, 4)
def test_real_gain_related_cdi(self):
data = {80: 0.02050232558139542, 85: 0.026144186046511697,
90: 0.031786046511627974, 95: 0.03742790697674425,
100: 0.04306976744186053, 105: 0.04871162790697681,
110: 0.054353488372093084, 115: 0.05999534883720936,
120: 0.06563720930232564, 125: 0.07127906976744192,
130: 0.0769209302325582, 135: 0.08256279069767447,
140: 0.08820465116279075, 145: 0.09384651162790703,
150: 0.0994883720930233, 155: 0.10513023255813958,
160: 0.11077209302325586, 165: 0.11641395348837213,
170: 0.12205581395348841, 175: 0.1276976744186047,
180: 0.13333953488372097, 185: 0.13898139534883724,
190: 0.14462325581395352, 195: 0.1502651162790698,
200: 0.15590697674418608}
self.assertAlmostEqual(self.financial_planning.
real_gain_related_cdi(), data)
def test_annual_leftovers_for_goal_without_change(self):
array = [607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257]
self.assertEqual(self.financial_planning.annual_leftovers_for_goal(),
array)
def test_annual_leftovers_for_goal_with_change(self):
FlowUnitChange.objects.create(annual_value=2000.00, year=2018,
incomes=self.patrimony)
FlowUnitChange.objects.create(annual_value=2000.00, year=2017,
cost_manager=self.cost_manager)
FlowUnitChange.objects.create(annual_value=9000.00, year=2026,
cost_manager=self.cost_manager)
array = [605045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
607045.13144555257, 607045.13144555257, 607045.13144555257,
598045.13144555257]
self.assertEqual(self.financial_planning.annual_leftovers_for_goal(),
array)
def test_total_resource_for_annual_goals(self):
FlowUnitChange.objects.create(annual_value=2000.00, year=2018,
incomes=self.patrimony)
FlowUnitChange.objects.create(annual_value=2000.00, year=2017,
cost_manager=self.cost_manager)
FlowUnitChange.objects.create(annual_value=9000.00, year=2026,
cost_manager=self.cost_manager)
GoalFactory.create_batch(4,
goal_manager=self.goal_manager,
year_init=2017,
year_end=2027,
value=65865,
periodicity=1)
array = [341585.13144555251, 413413.10143097816, 491145.17214779771,
573102.25206646265, 659513.98517549736, 750622.49741528649,
846683.07511569967, 947964.88030916872, 1054751.7049235257,
1167342.7659678517]
self.assertEqual(self.financial_planning.
total_resource_for_annual_goals, array)
def test_save_financial_planning(self):
financial_planning = FinancialPlanningFactory(init_year=None)
self.assertEqual(financial_planning.init_year,
datetime.datetime.now().year)
def test_end_year(self):
self.assertEqual(self.financial_planning.end_year(), 2027)
def test_save_financial_planning(self):
financial_planning = FinancialPlanningFactory(init_year=None)
self.assertEqual(financial_planning.init_year,
datetime.datetime.now().year)