public RetirementPlan GetRetirementPlan()
{
var inputs = new RetirementPlanMainInputs
{
AnnualReturnMinRisk = 2.5,
AnnualReturnEquitiesRisk = 7,
InflationReturnMinRisk = 2,
InflationEquities = 2,
ReturnAfterInflationCAGRReturnMinRisk = 0.5, // calculated
ReturnAfterInflationAnnualAverageEquities = 5, // calculated
ReturnAfterInflationAnnualAverageMinRisk = 0.5, // calculated
ReturnAfterInflationCAGREquities = 6.07, // calculated
StandardDeviationMinRisk = 0,
StandardDeviationEquities = 15,
GrowthInAnnualContribution = 0, // not relevant for me
CurrentAmount = 216385.01M,
CurrentTotalContributions = 170211.24M,
ThisYearsContributions = 30000M,
MinRiskAllocation = 0,
CurrentAge = 30,
DeathAge = 90
};
var retirementPlan = new RetirementPlan(inputs);
return(retirementPlan);
}
public RetirementPlan(RetirementPlanMainInputs inputs)
{
var yearCount = 0;
var currentAmount = inputs.CurrentAmount;
for (var year = inputs.CurrentAge; year <= inputs.DeathAge; year++)
{
var thisYear = new Year(year, yearCount, currentAmount, inputs);
Years.Add(thisYear);
// setup next year
yearCount++;
currentAmount = thisYear.EndOfYearAmount;
}
}
public Year(int age, int yearCount, decimal priorYearAmount, RetirementPlanMainInputs inputs)
{
Age = age;
YearCount = yearCount;
PriorYearAmount = priorYearAmount;
AnnualContributions = inputs.ThisYearsContributions;
// Calculated
StartOfYearAmount = PriorYearAmount + AnnualContributions;
MinRiskAllocationPercent = inputs.MinRiskAllocation;
MinRiskAllocationAmount = StartOfYearAmount * (inputs.MinRiskAllocation / 100);
EquityRiskAllocationPercent = 100M - inputs.MinRiskAllocation;
EquityRiskAllocationAmount = StartOfYearAmount * (EquityRiskAllocationPercent / 100);
TotalContribution = inputs.CurrentTotalContributions + AnnualContributions;
MinRiskReturn = inputs.ReturnAfterInflationAnnualAverageMinRisk;
EquityRiskReturn = GetEquityReturnPercentage(inputs.ReturnAfterInflationAnnualAverageEquities, inputs.StandardDeviationEquities);
InvestmentReturn = (MinRiskAllocationAmount * (decimal)MinRiskReturn) + (EquityRiskAllocationAmount * ((decimal)EquityRiskReturn / 100));
EndOfYearAmount = StartOfYearAmount + InvestmentReturn;
}
