import sys
from collections import namedtuple
DivsBeforeProfit = True #False # NOTE: this changes the dividend calculation order
years=30
StartVal = 10000
TotalProfit = 7/100
Dividend = 2/100
Profit = TotalProfit-Dividend
YEAR = namedtuple( 'year_result', 'year value after_tax' )
OST = YEAR
AO = YEAR
DIV = namedtuple( 'DIVyear', 'year reinvest' )
ETF = YEAR
OST_years = []
AO_years = []
DIV_years = []
DIV_vals = list();
ETF_years = []
OST_years.append(OST(year=0, value=StartVal, after_tax=StartVal))
AO_years.append(AO(year=0, value=StartVal, after_tax=StartVal))
DIV_years.append(DIV(year=0, reinvest = 0)) # div cannot use same tuple since it appends value each year
DIV_vals.append(0) # current values after each year profit update
ETF_years.append(ETF(year = 0, value = StartVal, after_tax=StartVal))
def div( value ):
return value*Dividend
def print_year( name, year_tuple ):
print( "{0}: year {1.year}, val {1.value:.2f}, net {1.after_tax:.2f}".format(name, year_tuple) )
def tax( profit ):
if profit < 0:
return 0
if profit > 30000:
tax = 0.34
else:
tax = 0.3
return profit*tax
def hankintameno(year, meno, newVal):
coeff = 0.4
if year < 10:
coeff = 0.2
if newVal*coeff > meno:
meno = newVal*coeff
profit = newVal-meno
after_tax = newVal-tax(profit)
return after_tax
def add_year( years, use_hankintameno, profit, name ):
temp = years[-1] # last item
year = temp.year+1
newVal = temp.value*(1+profit)
if use_hankintameno:
after_tax = hankintameno( year, years[0].value, newVal )
else:
profit = newVal-years[0].value
after_tax = newVal-tax(profit)
row = YEAR(year=year, value=newVal, after_tax=after_tax)
years.append(row)
#print_year( name, row )
return row
def netDiv( grossdiv ):
return grossdiv-tax(grossdiv*0.85) # 85% is taxable
def reinvestDIVs(div_vals):
reinvest = 0
for i in div_vals:
reinvest = reinvest + netDiv(div(i))
return reinvest
def updateDIVvals(div_vals):
for idx, val in enumerate(div_vals):
div_vals[idx] = val * (1+Profit)
def DIVvalue(div_vals):
value = 0
for i in div_vals:
value = value + i
return value
def DIVafterTax(divs):
thisyear = divs[-1].year
afterTax = 0
for i in divs:
elapsed_years = thisyear-i.year
afterTax = afterTax + hankintameno(elapsed_years, i.reinvest, DIV_vals[i.year])
return afterTax
def AO_year(years):
temp = years[-1] # last item - before profit calculations
row = add_year(years, True, Profit, "AO ")
this_year = years[-1].year # last item
# dividend handling
if DivsBeforeProfit:
value = temp.value # calc this year divs before yearly profit increase????
else:
value = years[-1].value # calc this year divs after profit increase
reinvest = netDiv(div(value))
if not DivsBeforeProfit:
updateDIVvals( DIV_vals ) # add profit to old re-invests, here or line later????
divofdivs = reinvestDIVs( DIV_vals ) # calc total amount of all re-invested dividends
if DivsBeforeProfit:
updateDIVvals( DIV_vals ) # add profit to old re-invests
reinvest = reinvest + divofdivs # sum into base invest dividends
div_invest=DIV(year=this_year, reinvest = reinvest ) # all this year divs
# add this year to dividents lists
DIV_vals.append(reinvest) # profit calculated for this in next years
DIV_years.append(div_invest)
div_row = AO(year=this_year, value=DIVvalue(DIV_vals), after_tax=DIVafterTax(DIV_years))
total_row = AO(year=this_year, value=row.value + div_row.value, after_tax=row.after_tax+div_row.after_tax)
#print_year( " INI", row )
#print_year( " DIV", div_row )
return total_row
def OST_year(years):
return add_year(years, False, TotalProfit, "OST")
def ETF_year(years):
return add_year(years, True, TotalProfit, "ETF")
print( "year\tost_net\tao_net\teft_net\twinner\tost_d\tao_d\tetf_d")
def winner( highest_val, highest_name, year_result, name ):
if year_result.after_tax > highest_val:
highest_name = name
highest_val = year_result.after_tax
return highest_val, highest_name
def diffs(highest, year_result):
diff = highest-year_result.after_tax
percentage = 100*diff/year_result.after_tax
if diff != 0:
diff = -diff
return (diff, percentage)
while years:
years=years-1
etf = ETF_year( ETF_years )
ost = OST_year( OST_years )
ao = AO_year( AO_years )
if etf.year != ost.year or etf.year != ao.year:
raise Exception("years not matching")
year = etf.year
highest = 0
name = "none"
highest, name = winner( highest, name, ost, "OST")
highest, name = winner( highest, name, etf, "ETF")
highest, name = winner( highest, name, ao, "AO")
ost_d = diffs(highest, ost)
ao_d = diffs(highest, ao)
etf_d = diffs(highest, etf)
print( "{0}\t{1:.2f}\t{2:.2f}\t{3:.2f}\t{4}\t{5[0]:.2f}/{5[1]:.2f}%\t{6[0]:.2f}/{6[1]:.2f}%\t{7[0]:.2f}/{7[1]:.2f}%".format(year, ost.after_tax, ao.after_tax, etf.after_tax, name,
ost_d, ao_d, etf_d ))
.
. Aleksandrian mies soittelee ja mielellään hoitaisi ylimääräiset säästöt, mutta pitäisi nyt hieman päästä kärryille miten edetä ennen kuin tekee jotain mitä katuu jälkeenpäin.
Itse olen tehnyt viime aikoina paljon suoria osakeostoja ja parhaimmat ovat nousseet puolessa vuodessa 300%, mutta se on ollut lähinnä tuuria ja pääomaa pursuavan markkinan tulosta, ei omaa hyvää vainua. En voi suositella kovin aktiivista omaisuudenhoitoa, koska se on pitkässä juoksussa todella vaikeaa.
