Talk:Comparison of accumulating ETFs and distributing ETFs

Python table generation

The tables in this page were generated using a Python script. The source code for this script is below.

If Python is not available locally, run the script online with Repl.it, or similar. For example, for Repl.it, copy-and-paste the code into the source code editing window (left panel), and press "Run>". The output window (right panel) will contain the table formatted in wikitext.

Code listing 1 #!/usr/bin/python3 2 # -*- coding: utf-8 -*- 3 # ... or run online through https://repl.it/languages/python3 4 5 import math 6 7 DIST_DIV = 0.03 8 DIST_GAIN = 0.07 9 YEARS = range(1, 11) 10 11 12 class Holding: 13 def __init__(self, shares, nav, div, gain): 14 self.shares = shares 15 self.nav = nav 16 self.cash = 0.0 17 self.__div = div 18 self.__gain = gain 19 20 def balance(self): 21 return self.shares * self.nav 22 23 def annual(self): 24 dividend = (self.shares * self.nav) * self.__div 25 self.nav *= 1 + self.__gain 26 return dividend 27 28 def buy(self, value): 29 frac_share, new_shares = math.modf(value / self.nav) 30 self.cash += frac_share * self.nav 31 self.shares += new_shares 32 while self.cash > self.nav: 33 self.shares += 1 34 self.cash -= self.nav 35 36 def sell(self, value): 37 sale_shares = math.floor(value / self.nav) 38 self.cash = sale_shares * self.nav 39 self.shares -= sale_shares 40 41 42 dist = Holding(10000, 1.0, DIST_DIV, DIST_GAIN) 43 accm = Holding(10000, 1.0, 0.0, DIST_DIV + DIST_GAIN) 44 45 46 # Returns: (year, 47 # accm.nav, accm.shares, accm.balance(), accm.cash, 48 # dist.nav, dist.shares, dist.balance(), dist.cash) 49 50 def record(year=None): 51 return (year, 52 accm.nav, accm.shares, accm.balance(), accm.cash, 53 dist.nav, dist.shares, dist.balance(), dist.cash) 54 55 56 # Returns: [(year, 57 # accm.nav, accm.shares, accm.balance(), accm.cash, 58 # dist.nav, dist.shares, dist.balance(), dist.cash), ...] 59 60 def accumulation(): 61 data = [record()] 62 for year in YEARS: 63 dividend = dist.annual() 64 accm.annual() 65 dist.buy(dividend) 66 data += [record(year)] 67 return data 68 69 70 # Returns: [(year, 71 # accm.nav, accm.shares, accm.balance(), accm.cash, 72 # dist.nav, dist.shares, dist.balance(), dist.cash), ...], 73 # accm_total, dist_total 74 75 def decumulation(): 76 data = [record()] 77 (dist_total, accm_total) = (0.0, 0.0) 78 for year in YEARS: 79 dist.cash = dist.annual() 80 accm.annual() 81 accm.sell(dist.cash) 82 data += [record(year)] 83 accm_total += accm.cash 84 dist_total += dist.cash 85 return data, accm_total, dist_total 86 87 88 # Returns: ['line', ...] in wikitable format 89 90 def format_wiki_table(table_data, phase): 91 92 def __currency(value, places): 93 string = ('€{:,.%df}' % places).format(value) 94 if value > 100 and value < 1000: 95 return '{{0}}' + string 96 else: 97 return string 98 99 if phase == 'accumulation': 100 cash = 'Cash balance' 101 elif phase == 'decumulation': 102 cash = 'Cash withdrawal' 103 104 table = [ 105 '{| class="wikitable mw-datatable" style="text-align: center;"', 106 '|+ Comparison of accumulating and distributing ETF investor outcomes,' 107 ' %s phase' % phase, 108 '|-', 109 '! scope="col" colspan="1" |', 110 '! scope="col" colspan="4" | Accumulating ETF investor', 111 '! scope="col" colspan="4" | Distributing ETF investor', 112 '|-', 113 '! scope="col" | Year', 114 '! scope="col" | ACCM net asset value', 115 '! scope="col" | Shares held', 116 '! scope="col" | Holding balance', 117 '! scope="col" | %s' % cash, 118 '! scope="col" | DIST net asset value', 119 '! scope="col" | Shares held', 120 '! scope="col" | Holding balance', 121 '! scope="col" | %s' % cash 122 ] 123 for elements in table_data: 124 table += ['|-'] 125 year = elements[0] 126 accm_cash = ' || %s' % __currency(elements[4], 2) if year else ' ||' 127 dist_cash = ' || %s' % __currency(elements[8], 2) if year else ' ||' 128 table += [('! %d' % year if year else '!')] 129 table += [' | %s' % __currency(elements[1], 4) 130 + ' || %d' % elements[2] 131 + ' || %s' % __currency(elements[3], 2) 132 + accm_cash 133 + ' || %s' % __currency(elements[5], 4) 134 + ' || %d' % elements[6] 135 + ' || %s' % __currency(elements[7], 2) 136 + dist_cash 137 ] 138 table += ['|}'] 139 return table 140 141 142 def main(): 143 data = accumulation() 144 for line in format_wiki_table(data, 'accumulation'): 145 print(line) 146 print() 147 148 (dist.cash, accm.cash) = (0.0, 0.0) 149 (data, accm_total, dist_total) = decumulation() 150 for line in format_wiki_table(data, 'decumulation'): 151 print(line) 152 print() 153 154 print('Dist total withdrawal =', round(dist_total, 2)) 155 print('Accm total withdrawal =', round(accm_total, 2)) 156 print() 157 158 print('Dist investor result =', 159 round(dist.shares * dist.nav + dist_total, 2)) 160 print('Accm investor result =', 161 round(accm.shares * accm.nav + accm_total, 2)) 162 163 164 if __name__ == '__main__': 165 main()

--TedSwippet 09:57, 18 August 2019 (UTC)
Updated: --TedSwippet 15:21, 30 December 2020 (UTC)