def testRRSPBridgingDeposit(self):
fund = funds.RRSPBridging()
fund.amount = 30
deposited, year_rec = fund.Deposit(15, utils.YearRecord())
self.assertEqual(deposited, 0)
self.assertEqual(fund.amount, 30)
self.assertIn(funds.DepositReceipt(0, funds.FUND_TYPE_BRIDGING),
year_rec.deposits)
def OnRetirement(self, year_rec):
"""This deals with events happening at the point of retirement."""
# Update all incomes
for income in self.incomes:
income.OnRetirement(self)
# Create RRSP bridging fund if needed
if self.age < world.CPP_EXPECTED_RETIREMENT_AGE:
requested = (
world.CPP_EXPECTED_RETIREMENT_AGE - self.age
) * world.OAS_BENEFIT * self.strategy.oas_bridging_fraction
self.funds["wp_rrsp"], self.funds["bridging"] = funds.SplitFund(
self.funds["wp_rrsp"], funds.RRSPBridging(), requested)
if self.funds["bridging"].amount < requested:
top_up_amount = min(self.rrsp_room,
requested - self.funds["bridging"].amount)
fund_chain = [self.funds["wp_nonreg"], self.funds["wp_tfsa"]]
# Not using ChainedWithdraw because it can't express strict overflow
withdrawn, _, year_rec = funds.ChainedTransaction(
top_up_amount, fund_chain, (1, 1), (1, 1), year_rec)
self.funds["bridging"].amount += withdrawn
year_rec.deposits.append(
funds.DepositReceipt(withdrawn, funds.FUND_TYPE_RRSP))
self.rrsp_room -= withdrawn
self.bridging_withdrawal_table = world.GenerateCEDDrawdownTable(
self.age, world.CPP_EXPECTED_RETIREMENT_AGE)
# Split each fund into a CED and a CD fund
self.funds["cd_rrsp"], self.funds["ced_rrsp"] = funds.SplitFund(
self.funds["wp_rrsp"], funds.RRSP(),
self.strategy.drawdown_ced_fraction * self.funds["wp_rrsp"].amount)
del self.funds["wp_rrsp"]
self.funds["cd_tfsa"], self.funds["ced_tfsa"] = funds.SplitFund(
self.funds["wp_tfsa"], funds.TFSA(),
self.strategy.drawdown_ced_fraction * self.funds["wp_tfsa"].amount)
del self.funds["wp_tfsa"]
self.funds["cd_nonreg"], self.funds["ced_nonreg"] = funds.SplitFund(
self.funds["wp_nonreg"], funds.NonRegistered(),
self.strategy.drawdown_ced_fraction *
self.funds["wp_nonreg"].amount)
del self.funds["wp_nonreg"]
self.cd_drawdown_amount = sum(
fund.amount
for fund in (self.funds["cd_rrsp"], self.funds["cd_tfsa"],
self.funds["cd_nonreg"]
)) * self.strategy.initial_cd_fraction / year_rec.cpi
self.assets_at_retirement = sum(
fund.amount for fund in self.funds.values()) / year_rec.cpi
if not self.basic_only:
self.accumulators.fraction_persons_involuntarily_retired.UpdateOneValue(
1 if self.age < self.strategy.planned_retirement_age else 0)
def testRRSPBridgingUpdate(self): fund = funds.RRSPBridging() fund.amount = 20 year_rec = utils.YearRecord() year_rec.growth_rate = 0.2 year_rec.inflation = 1 fund.Update(year_rec) self.assertEqual(fund.amount, 48) self.assertEqual(fund.unrealized_gains, 0)
def testRRSPBridgingWithdraw(self):
fund = funds.RRSPBridging()
fund.amount = 20
withdrawn, gains, year_rec = fund.Withdraw(15, utils.YearRecord())
self.assertEqual(withdrawn, 15)
self.assertEqual(fund.amount, 5)
self.assertEqual(fund.unrealized_gains, 0)
self.assertIn(funds.WithdrawReceipt(15, 0, funds.FUND_TYPE_BRIDGING),
year_rec.withdrawals)
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 testChainedDeposit(self):
year_rec = utils.YearRecord()
tfsa = funds.TFSA()
year_rec.tfsa_room = 30
rrsp = funds.RRSP()
year_rec.rrsp_room = 50
bridging = funds.RRSPBridging()
bridging.amount = 60
nonreg = funds.NonRegistered()
fund_chain = (tfsa, rrsp, bridging, nonreg)
proportions = (1, 1, 1, 1)
deposited, year_rec = funds.ChainedDeposit(100, fund_chain, proportions,
year_rec)
self.assertEqual(deposited, 100)
self.assertSequenceEqual(year_rec.deposits,
[funds.DepositReceipt(30, funds.FUND_TYPE_TFSA),
funds.DepositReceipt(50, funds.FUND_TYPE_RRSP),
funds.DepositReceipt(0, funds.FUND_TYPE_BRIDGING),
funds.DepositReceipt(20, funds.FUND_TYPE_NONREG)])
self.assertEqual(tfsa.amount, 30)
self.assertEqual(rrsp.amount, 50)
self.assertEqual(bridging.amount, 60)
self.assertEqual(nonreg.amount, 20)