public MonthlyContributionData GetDurationOfSavings(SavingCalculationData calculationData)
{
var tempRes = GetExpectedReturn(calculationData);
var expectedReturn = tempRes.ExpectedReturn;
var expectedRisk = tempRes.ExpectedRisk;
d30 = SetD30((double)expectedReturn);
var numOfYrs = new[] { 0, Math.Round(Math.Log((calculationData.intendedAmount * (d30 / 100) +
(calculationData.monthlySavings * 12)) / (calculationData.currentSavings * (d30 / 100) + (calculationData.monthlySavings * 12)))
/ Math.Log(1 + (double)expectedReturn / 100) + 0.33), 0 }.Max();
var totalRealSavings = calculationData.intendedAmount * Math.Pow(1 + inflationRate, -numOfYrs);
var riskParams = GetInvestmentParametersBasedOnRisk(calculationData);
var expectedRangeOfReturns = GetExpectedRangeOfReturns(calculationData);
var maxExpectedReturn = expectedRangeOfReturns.MaxAmount;
var maxExpectedReturnOnInterest = 12 * (Math.Pow((double)(1 + (decimal)maxExpectedReturn / 100m), (double)(1m / 12m)) - 1) * 100;
var minExpectedReturn = expectedRangeOfReturns.MinAmount;
var minExpectedReturnOnInterest = 12 * (Math.Pow((double)(1 + (decimal)minExpectedReturn / 100m), (double)(1m / 12m)) - 1) * 100;
List <AmountData> amountData = new List <AmountData>();
List <RiskData> riskData = new List <RiskData>();
for (var i = 0; i <= numOfYrs; i++)
{
var m = Math.Pow((double)(1 + (decimal)expectedReturn / 100m), i);
var n = ((decimal)m - 1m) / ((decimal)d30 / 100m);
var monetaryValue = (calculationData.currentSavings * m) + (double)(n * (decimal)calculationData.monthlySavings * 12m);
var worthInTodaysMoney = monetaryValue * Math.Pow((1 + 0.065), (-(1 + i)));
var newAmountData = new AmountData
{
year = i,
monetaryValue = monetaryValue,
worthInTodaysMoney = worthInTodaysMoney
};
amountData.Add(newAmountData);
var min = calculationData.currentSavings * Math.Pow((double)(1 + (decimal)minExpectedReturn / 100m), i) +
(double)((decimal)(Math.Pow((double)(1 + (decimal)minExpectedReturn / 100m), i) - 1) / ((decimal)minExpectedReturnOnInterest / 100m))
* calculationData.monthlySavings * 12;
var max = calculationData.currentSavings * Math.Pow((double)(1 + (decimal)maxExpectedReturn / 100m), i) +
(double)((decimal)(Math.Pow((double)(1 + (decimal)maxExpectedReturn / 100m), i) - 1) / ((decimal)maxExpectedReturnOnInterest / 100m))
* calculationData.monthlySavings * 12;
var newRiskData = new RiskData
{
year = i,
min = min,
expected = monetaryValue,
max = max
};
riskData.Add(newRiskData);
}
return(new MonthlyContributionData
{
currentSavings = calculationData.currentSavings,
monthlySavings = calculationData.monthlySavings,
intendedAmount = calculationData.intendedAmount,
risk = calculationData.risk,
numOfYrs = numOfYrs,
totalRealSavings = totalRealSavings,
d30 = d30,
offshoreEquity = (double)riskParams.OffshoreEquity,
offshoreCash = (double)riskParams.OffshoreCash,
offshoreBonds = (double)riskParams.OffshoreBonds,
localProperty = (double)riskParams.LocalProperty,
localEquity = (double)riskParams.LocalEquity,
localCash = (double)riskParams.LocalCash,
localBonds = (double)riskParams.LocalBond,
expectedReturns = (double)expectedReturn,
expectedRisk = (double)expectedRisk,
maxExpectedReturn = (double)maxExpectedReturn,
maxExpectedReturnOnInterest = maxExpectedReturnOnInterest,
minExpectedReturn = (double)minExpectedReturn,
minExpectedReturnOnInterest = minExpectedReturnOnInterest,
amountData = amountData,
riskData = riskData
});
}
public MonthlyContributionData GetTotalAmountAfterSaving(SavingCalculationData calculationData)
{
var tempRes = GetExpectedReturn(calculationData);
var expectedReturn = tempRes.ExpectedReturn;
var expectedRisk = tempRes.ExpectedRisk;
d30 = SetD30((double)expectedReturn);
var intendedAmount = calculationData.currentSavings * Math.Pow((1 + (double)expectedReturn / 100), calculationData.numOfYears)
+ calculationData.monthlySavings * ((Math.Pow((1 + (double)expectedReturn / 100), calculationData.numOfYears) - 1) / (d30 / 100)) * 12;
var totalRealSavings = intendedAmount * Math.Pow(1 + inflationRate, -calculationData.numOfYears);
var riskParams = GetInvestmentParametersBasedOnRisk(calculationData);
var expectedRangeOfReturns = GetExpectedRangeOfReturns(calculationData);
var maxExpectedReturn = expectedRangeOfReturns.MaxAmount;
var maxExpectedReturnOnInterest = 12 * (Math.Pow((1 + (double)maxExpectedReturn / 100), ((double)1 / 12)) - 1) * 100;
var minExpectedReturn = expectedRangeOfReturns.MinAmount;
var minExpectedReturnOnInterest = 12 * (Math.Pow((1 + (double)minExpectedReturn / 100), ((double)1 / 12)) - 1) * 100;
List <AmountData> amountData = new List <AmountData>();
List <RiskData> riskData = new List <RiskData>();
for (var i = 0; i <= calculationData.numOfYears; i++)
{
var monetaryValue = calculationData.currentSavings * Math.Pow((1 + (double)expectedReturn / 100), i) + (Math.Pow((1
+ (double)expectedReturn / 100), i) - 1) / (d30 / 100) * calculationData.monthlySavings * 12;
var worthInTodaysMoney = monetaryValue * Math.Pow((1 + 0.065), (-(1 + i)));
var newAmountData = new AmountData
{
year = i,
monetaryValue = monetaryValue,
worthInTodaysMoney = worthInTodaysMoney
};
amountData.Add(newAmountData);
var min = calculationData.currentSavings * Math.Pow((1 + (double)minExpectedReturn / 100), i) + (Math.Pow((1
+ (double)minExpectedReturn / 100), i) - 1) / (minExpectedReturnOnInterest / 100) * calculationData.monthlySavings * 12;
var max = calculationData.currentSavings * Math.Pow((1 + (double)maxExpectedReturn / 100), i) + (Math.Pow((1
+ (double)maxExpectedReturn / 100), i) - 1) / (maxExpectedReturnOnInterest / 100) * calculationData.monthlySavings * 12;
var newRiskData = new RiskData
{
year = i,
min = min,
expected = monetaryValue,
max = max
};
riskData.Add(newRiskData);
}
return(new MonthlyContributionData
{
currentSavings = calculationData.currentSavings,
monthlySavings = calculationData.monthlySavings,
intendedAmount = intendedAmount,
risk = calculationData.risk,
numOfYrs = calculationData.numOfYears,
totalRealSavings = totalRealSavings,
d30 = d30,
offshoreEquity = (double)riskParams.OffshoreEquity,
offshoreCash = (double)riskParams.OffshoreCash,
offshoreBonds = (double)riskParams.OffshoreBonds,
localProperty = (double)riskParams.LocalProperty,
localEquity = (double)riskParams.LocalEquity,
localCash = (double)riskParams.LocalCash,
localBonds = (double)riskParams.LocalBond,
expectedReturns = (double)expectedReturn,
expectedRisk = (double)expectedRisk,
maxExpectedReturn = (double)maxExpectedReturn,
maxExpectedReturnOnInterest = maxExpectedReturnOnInterest,
minExpectedReturn = (double)minExpectedReturn,
minExpectedReturnOnInterest = minExpectedReturnOnInterest,
amountData = amountData,
riskData = riskData
});
}
