private void AllocateRetiredEarlyBeforeSocialAndPension(int r401KAge, int pensionAge, int maxAge)
{
for (var year = r401KAge; year < pensionAge; year++)
{
var preDto = AllocationDict[year - 1];
var preAssets = preDto.Assets;
var assetDate = new DateTime(year, 12, 31);
var transformer = new SimpleTransformer(_settings.InvestmentReturnRate);
var assets = transformer.Transform(assetDate, preAssets);
// 401K
var r401Amount = SimpleR401KAllocator.Allocate(assets, maxAge, year);
// Cash
var target = GetTarget(preDto);
var cashAmount = r401Amount >= target ? 0m : target - r401Amount;
var cashWithdrawal = SimpleAllocator.Allocate(assets, assets.ForCash(), cashAmount);
var preTotal = preDto.AssetTotal;
var curTotal = assets.Sum(x => x.AssetAmount);
var dto = new AllocationDto(year, AllocationStatusTypes.RetiredEstimated, target)
{
AgeYear = new RetirementAge(year - BirthYear, year).ToString(),
CashAmount = cashWithdrawal,
R401KAmount = r401Amount,
Assets = assets.ToArray(),
PreAssets = preDto.Assets,
AssetTotalChanged = AssetsHelper.GetTotalWithChange(curTotal, preTotal)
};
AllocationDict.Add(year, dto);
}
}
/// <summary>
/// Calculate transition years. Assume 4% increase and self-sustained.
/// </summary>
private void GetTransitionYears()
{
var minYr = AllocationDict.Keys.Max() + 1;
var maxYr = BirthYear + RetirementAge;
for (var year = minYr; year <= maxYr; year++)
{
var preDto = AllocationDict[year - 1];
var preAssets = preDto.Assets;
var assetDate = new DateTime(year, 12, 31);
var transformer = new SimpleTransformer(_settings.InvestmentReturnRate, _settings.TransitionYear401KSaving);
var assets = transformer.Transform(assetDate, preAssets);
var preTotal = preDto.AssetTotal;
var curTotal = assets.Sum(x => x.AssetAmount);
var dto = new AllocationDto(year, AllocationStatusTypes.Estimated, _settings.RetirementIncome)
{
AgeYear = new RetirementAge(year - BirthYear, year).ToString(),
Assets = assets.ToArray(),
PreAssets = preDto.Assets,
AssetTotalChanged = AssetsHelper.GetTotalWithChange(curTotal, preTotal)
};
AllocationDict.Add(year, dto);
}
}
private void AllocateRetiredFully(int pensionAge, int maxAge)
{
for (var year = pensionAge; year < maxAge; year++)
{
var preDto = AllocationDict[year - 1];
var preAssets = preDto.Assets;
var assetDate = new DateTime(year, 12, 31);
var transformer = new SimpleTransformer(_settings.InvestmentReturnRate);
var assets = transformer.Transform(assetDate, preAssets);
// 401K
var r401Amount = SimpleR401KAllocator.Allocate(assets, maxAge, year);
// Cash
var target = GetTarget(preDto);
var cashPortion = (target - r401Amount - PensionIncome - SocialSecurityIncome);
var cashAmount = cashPortion >= 0 ? cashPortion : 0m;
var cashWithdrawal = SimpleAllocator.Allocate(assets, assets.ForCash(), cashAmount);
// Still missing target
var shortAmount = target - cashWithdrawal - r401Amount - SocialSecurityIncome - PensionIncome;
if (shortAmount > 0)
{
r401Amount += SimpleAllocator.Allocate(assets, assets.For401K(), shortAmount);
}
var preTotal = preDto.AssetTotal;
var curTotal = assets.Sum(x => x.AssetAmount);
var dto = new AllocationDto(year, AllocationStatusTypes.RetiredEstimated, target)
{
AgeYear = new RetirementAge(year - BirthYear, year).ToString(),
CashAmount = cashWithdrawal,
R401KAmount = r401Amount,
SocialSecurityAmount = SocialSecurityIncome,
PensionAmount = PensionIncome,
Assets = assets.ToArray(),
PreAssets = preDto.Assets,
AssetTotalChanged = AssetsHelper.GetTotalWithChange(curTotal, preTotal)
};
AllocationDict.Add(year, dto);
}
}