def withdrawals(self):
# we start out with the default withdrawal rate.
# n.b. that this is the ONLY time it is used. Every other
# time we will use a tilt because we will either be above or
# below this value
withdrawal = self.portfolio.value * self.rate
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, None)
assert isinstance(change, AnnualChange)
while True:
previous_portfolio_amount = self.portfolio.value
self.portfolio.adjust_returns(change)
gains = (self.portfolio.value - previous_portfolio_amount) / previous_portfolio_amount
self.cumulative_inflation *= (1 + change.inflation)
# Figure out which tilt we used based on the current (inflation-adjusted)
# portfolio value
if (self.portfolio.value / self.cumulative_inflation) < self.starting_portfolio_value:
withdrawal = self.portfolio.value * (self.rate - self.tilt)
else:
withdrawal = self.portfolio.value * (self.rate + self.tilt)
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, gains)
assert isinstance(change, AnnualChange)
def withdrawals(self):
withdrawal = self.portfolio.value * self.rate
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, None)
assert isinstance(change, AnnualChange)
while True:
previous_portfolio_amount = self.portfolio.value
self.portfolio.adjust_returns(change)
gains = (self.portfolio.value - previous_portfolio_amount) / previous_portfolio_amount
withdrawal = self.portfolio.value * self.rate
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, gains)
assert isinstance(change, AnnualChange)
def withdrawals(self):
em = EM.calc_withdrawal(self.portfolio.value, self.years_left)
withdrawal = em.send(None)
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, None)
assert isinstance(change, AnnualChange)
while True:
(gains, _, _) = self.portfolio.adjust_returns(change)
self.cumulative_inflation *= (1 + change.inflation)
withdrawal = em.send((self.portfolio.value, change.inflation))
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, gains)
assert isinstance(change, AnnualChange)
def withdrawals(self):
index = 0
withdrawal = VPW.calc_withdrawal(self.portfolio.value, index)
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, None)
assert isinstance(change, AnnualChange)
index += 1
while True:
(gains, _, _) = self.portfolio.adjust_returns(change)
withdrawal = vpw_rates[index] * self.portfolio.value
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, gains)
assert isinstance(change, AnnualChange)
index += 1
def withdrawals(self):
withdrawal = self.start()
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, None)
assert isinstance(change, AnnualChange)
while True:
# Update the world.
self.current_inflation = change.inflation
self.cumulative_inflation *= (1 + change.inflation)
previous_portfolio_amount = self.portfolio.value
(gains, _, _) = self.portfolio.adjust_returns(change)
# Now we can make our next withdrawal.
withdrawal = self.next()
actual_withdrawal = self.harvest.send(withdrawal)
change = yield report(self.portfolio, actual_withdrawal, gains)
assert isinstance(change, AnnualChange)