public async Task KnowsWhenTwoComplexWorkingPeopleCanRetire_NoGivenRetirementDate_RetirementAfterPrivatePensionAge()
{
var calc = new RetirementIncrementalApproachCalculator(_fixedDateProvider, _assumptions, _pensionAgeCalc, _statePensionCalculator, _taxSystem);
var person1 = new Person {
Salary = 50_000, Dob = new DateTime(1981, 05, 30), ExistingSavings = 50_000, ExistingPrivatePension = 50_000,
EmployeeContribution = 5m, EmployerContribution = 3m, EmergencyFundSpec = new EmergencyFundSpec("50000")
};
var person2 = new Person {
Salary = 50_000, Dob = new DateTime(1981, 05, 30), ExistingSavings = 50_000, ExistingPrivatePension = 50_000,
EmployeeContribution = 5m, EmployerContribution = 3m, EmergencyFundSpec = new EmergencyFundSpec("50000")
};
IEnumerable <Person> personStatuses = new[] { person1, person2 };
IEnumerable <SpendingStep> stepInputs = new [] { new SpendingStep(_fixedDateProvider.Now(), 70_000) };
public async Task <RetirementReportDto> RetirementReportForAsync(RetirementReportRequestDto requestDto)
{
var emergencyFundSpec = new EmergencyFundSpec(requestDto.EmergencyFund);
var personList = requestDto.Persons.ToList();
if (personList.Count == 2)
{
emergencyFundSpec = emergencyFundSpec.SplitInTwo();
}
var person = personList.Select(p => PersonStatus(p, emergencyFundSpec));
var spendingStepInputs = new List <SpendingStep> {
new SpendingStep(DateTime.Now.Date, Money.Create(requestDto.Spending))
};
spendingStepInputs.AddRange(requestDto.SpendingSteps.Select(dto => new SpendingStep(dto.Date ?? person.First().Dob.AddYears(Convert.ToInt32(dto.Age)), Money.Create(dto.Amount))));
var retirementReport = await _retirementCalculator.ReportForTargetAgeAsync(person, spendingStepInputs, Age.Create(requestDto.TargetRetirementAge));
return(new RetirementReportDto(retirementReport));
}
private static Person PersonStatus(PersonDto dto, EmergencyFundSpec emergencyFundSpec)
{
var rentalInfos = dto.Rental == null ? new List <RentalInfo>() : dto.Rental.Select(infoDto => new RentalInfo()
{
CurrentValue = Money.Create(infoDto.CurrentValue),
Expenses = Money.Create(infoDto.Expenses),
GrossIncome = Money.Create(infoDto.GrossRent),
Repayment = infoDto.Repayment,
MortgagePayments = Money.Create(infoDto.MortgageCosts),
OutstandingMortgage = Money.Create(infoDto.OutstandingMortgage),
RemainingTerm = infoDto.RemainingTerm
});
var dob = DateTime.Parse(dto.Dob);
var salaryStepInputs = new List <SalaryStep>();
var salarySteps = dto.SalarySteps.Where(step => !string.IsNullOrWhiteSpace(step.Age) && !string.IsNullOrWhiteSpace(step.Amount))
.Select(step => new SalaryStep(step.Date ?? dob.AddYears(Convert.ToInt32(step.Age)), Money.Create(step.Amount)));
salaryStepInputs.AddRange(salarySteps);
var person = new Person
{
Dob = dob,
Salary = Money.Create(dto.Salary),
SalaryStepInputs = salaryStepInputs,
Sex = dto.Female ? Sex.Female : Sex.Male,
EmergencyFundSpec = emergencyFundSpec,
ExistingSavings = Money.Create(dto.Savings),
ExistingPrivatePension = Money.Create(dto.Pension),
EmployerContribution = PensionContribution.Create(dto.EmployerContribution),
EmployeeContribution = PensionContribution.Create(dto.EmployeeContribution),
NiContributingYears = string.IsNullOrWhiteSpace(dto.NiContributingYears) ? (int?)null : Convert.ToInt32(dto.NiContributingYears),
RentalPortfolio = new RentalPortfolio(rentalInfos.ToList()),
Children = dto.Children ?? new List <DateTime>(),
};
return(person);
}
private static Person GetPerson2()
{
return(new Person {
Salary = 50_000, Dob = new DateTime(1985, 12, 1), ExistingSavings = 50_000, ExistingPrivatePension = 50_000,
EmployeeContribution = 5m, EmployerContribution = 3m, EmergencyFundSpec = new EmergencyFundSpec("50000")
});
public static Step CreateInitialStep(DateTime now, int niContributingYearsSoFar, int existingSavings, int existingPrivatePension, EmergencyFundSpec emergencyFundSpec,
decimal personMonthlySpending)
{
return(new Step(now, niContributingYearsSoFar, existingSavings, existingPrivatePension, emergencyFundSpec, personMonthlySpending));
}
private Step(DateTime now, int niContributingYearsSoFar, int existingSavings, int existingPrivatePension, EmergencyFundSpec emergencyFundSpec, decimal personMonthlySpending)
{
StepDate = now;
NiContributingYears = niContributingYearsSoFar;
var requiredCashSavings = emergencyFundSpec.RequiredEmergencyFund(personMonthlySpending);
Pots = new MoneyPots(requiredCashSavings);
Pots.AssignIncome(existingSavings);
PrivatePensionAmount = existingPrivatePension;
Spending = personMonthlySpending;
}
