feat(retirement): PR2 data models — pension sources, statements, bucket

Data plane for Retirement v2 (no FIRE math yet — that is PR3). Five
migrations + four AR models, wired to Goal::Retirement.

Models:
- PensionSource — state/workplace/other source with country, pension
  system, tax treatment, payout shape (string-backed + inclusion
  validations rather than PG enums, so v2 can add countries without
  ALTER TYPE). monetize :amount; end_age required for fixed-term.
- Goal::RetirementStatement — append-only audit journal. default_scope
  excludes soft-deleted rows; soft_replace! does soft-delete + insert;
  points_delta drives the "—"/signed Δ column; monetize against
  projected_currency.
- Goal::RetirementAdjustment — signed today's-money deltas to the
  spending target, ordered, applicable_at?(age).
- RetirementBucketEntry — account selection join, unique per plan,
  same-family guard.

Goal::Retirement gains the four associations + bucket_accounts and an
ADJUSTMENTS_LIMIT (10) cap. retirement_params jsonb added to goals for
PR3 plan settings.

Namespaced fixture classes mapped via set_fixture_class so the
goal_retirement association resolves. Minimal fixtures + model tests
(112 runs green, incl. goal/family/controller regression sweep). No
new gems.

app/models/goal/retirement.rb

@@ -1,8 +1,19 @@
 class Goal::Retirement < Goal
+  ADJUSTMENTS_LIMIT = 10
+
   belongs_to :owner, class_name: "User", foreign_key: :user_id
 
+  has_many :pension_sources, foreign_key: :goal_retirement_id, dependent: :destroy
+  has_many :statements, class_name: "Goal::RetirementStatement",
+    foreign_key: :goal_retirement_id, dependent: :destroy
+  has_many :adjustments, class_name: "Goal::RetirementAdjustment",
+    foreign_key: :goal_retirement_id, dependent: :destroy
+  has_many :retirement_bucket_entries, foreign_key: :goal_retirement_id, dependent: :destroy
+  has_many :bucket_accounts, through: :retirement_bucket_entries, source: :account
+
   validates :owner, presence: true
   validate :owner_belongs_to_family
+  validate :adjustments_within_limit
 
   def editable_by?(user)
     return false if user.nil?
@@ -10,9 +21,9 @@ class Goal::Retirement < Goal
   end
 
   private
-    # Retirement uses RetirementBucketEntry (PR2) for asset selection, not
-    # the goal_accounts depository join. The parent validations operate on
-    # goal_accounts, so they would always fail for retirement subtypes.
+    # Retirement uses RetirementBucketEntry for asset selection, not the
+    # goal_accounts depository join, so the parent validations (which run
+    # against goal_accounts) would always fail. No-op them on the subtype.
     def must_have_at_least_one_linked_account
     end
 
@@ -23,4 +34,9 @@ class Goal::Retirement < Goal
       return if owner.nil? || family_id.nil?
       errors.add(:owner, :must_belong_to_family) unless owner.family_id == family_id
     end
+
+    def adjustments_within_limit
+      return if adjustments.reject(&:marked_for_destruction?).size <= ADJUSTMENTS_LIMIT
+      errors.add(:adjustments, :too_many, count: ADJUSTMENTS_LIMIT)
+    end
 end

app/models/goal/retirement_adjustment.rb

@@ -0,0 +1,27 @@
+class Goal::RetirementAdjustment < ApplicationRecord
+  include Monetizable
+
+  self.table_name = "goal_retirement_adjustments"
+
+  belongs_to :goal_retirement, class_name: "Goal::Retirement", foreign_key: :goal_retirement_id
+
+  validates :from_age, presence: true,
+    numericality: { only_integer: true, greater_than_or_equal_to: 0, less_than_or_equal_to: 120 }
+  validates :to_age,
+    numericality: { only_integer: true, greater_than: :from_age, less_than_or_equal_to: 120 },
+    allow_nil: true
+  # Signed: negative reduces target spend in retirement, positive raises it.
+  validates :amount_today, presence: true, numericality: true
+  validates :currency, presence: true
+  validates :label, presence: true, length: { maximum: 255 }
+  validates :ordinal, presence: true, numericality: { only_integer: true }
+
+  scope :ordered, -> { order(:ordinal, :created_at) }
+
+  monetize :amount_today
+
+  def applicable_at?(age)
+    return false if age < from_age
+    to_age.nil? || age <= to_age
+  end
+end

app/models/goal/retirement_statement.rb

@@ -0,0 +1,54 @@
+class Goal::RetirementStatement < ApplicationRecord
+  include Monetizable
+
+  self.table_name = "goal_retirement_statements"
+
+  belongs_to :goal_retirement, class_name: "Goal::Retirement", foreign_key: :goal_retirement_id
+  belongs_to :pension_source
+
+  validates :received_on, presence: true
+  validates :projected_monthly_amount, presence: true, numericality: { greater_than_or_equal_to: 0 }
+  validates :projected_currency, presence: true
+
+  # Append-only audit: soft-deleted rows stay in the table for history but
+  # drop out of every normal read. Edits go through soft_replace!.
+  default_scope { where(deleted: false) }
+
+  scope :chronological, -> { order(:received_on) }
+
+  monetize :projected_monthly_amount
+
+  # Δ in pension points vs the prior active statement for the same source.
+  # nil for the earliest row (renders "—" in the journal).
+  def points_delta
+    return nil if current_points.nil?
+
+    prior = pension_source.statements
+                          .where("received_on < ?", received_on)
+                          .chronological
+                          .last
+    return nil if prior.nil? || prior.current_points.nil?
+
+    current_points - prior.current_points
+  end
+
+  # Edit = soft-delete this row + insert a replacement, preserving the
+  # audit trail. Returns the new statement.
+  def soft_replace!(attrs)
+    new_statement = nil
+    self.class.transaction do
+      update_column(:deleted, true)
+      new_statement = pension_source.statements.create!(
+        attributes
+          .except("id", "deleted", "created_at", "updated_at")
+          .merge(attrs.stringify_keys)
+      )
+    end
+    new_statement
+  end
+
+  private
+    def monetizable_currency
+      projected_currency
+    end
+end

app/models/pension_source.rb

@@ -0,0 +1,45 @@
+class PensionSource < ApplicationRecord
+  include Monetizable
+
+  KINDS = %w[state workplace other].freeze
+  COUNTRIES = %w[DE US UK].freeze
+  PENSION_SYSTEMS = %w[de_grv de_bav de_riester us_ss uk_state uk_workplace custom].freeze
+  TAX_TREATMENTS = %w[
+    de_renten de_bav de_riester de_private
+    uk_state uk_dc_drawdown uk_dc_25pct uk_isa
+    custom_post_tax
+  ].freeze
+  PAYOUT_SHAPES = %w[monthly_for_life monthly_fixed_term lump_sum lump_plus_annuity].freeze
+
+  belongs_to :goal_retirement, class_name: "Goal::Retirement", foreign_key: :goal_retirement_id
+  has_many :statements, class_name: "Goal::RetirementStatement", dependent: :destroy
+
+  validates :name, presence: true, length: { maximum: 255 }
+  validates :kind, inclusion: { in: KINDS }
+  validates :country, inclusion: { in: COUNTRIES }
+  validates :pension_system, inclusion: { in: PENSION_SYSTEMS }
+  validates :tax_treatment, inclusion: { in: TAX_TREATMENTS }
+  validates :payout_shape, inclusion: { in: PAYOUT_SHAPES }
+  validates :start_age, presence: true,
+    numericality: { only_integer: true, greater_than_or_equal_to: 0, less_than_or_equal_to: 120 }
+  validates :end_age,
+    numericality: { only_integer: true, greater_than: :start_age, less_than_or_equal_to: 120 },
+    allow_nil: true
+  validates :amount, presence: true, numericality: { greater_than_or_equal_to: 0 }
+  validates :currency, presence: true
+  validates :effective_rate_override,
+    numericality: { greater_than_or_equal_to: 0, less_than_or_equal_to: 1 }, allow_nil: true
+  validate :end_age_required_for_fixed_term
+
+  monetize :amount
+
+  def latest_statement
+    statements.order(:received_on).last
+  end
+
+  private
+    def end_age_required_for_fixed_term
+      return unless payout_shape == "monthly_fixed_term"
+      errors.add(:end_age, :required_for_fixed_term) if end_age.blank?
+    end
+end

app/models/retirement_bucket_entry.rb

@@ -0,0 +1,13 @@
+class RetirementBucketEntry < ApplicationRecord
+  belongs_to :goal_retirement, class_name: "Goal::Retirement", foreign_key: :goal_retirement_id
+  belongs_to :account
+
+  validates :account_id, uniqueness: { scope: :goal_retirement_id }
+  validate :account_belongs_to_family
+
+  private
+    def account_belongs_to_family
+      return if account.nil? || goal_retirement.nil?
+      errors.add(:account, :must_belong_to_family) unless account.family_id == goal_retirement.family_id
+    end
+end

config/locales/models/retirement/en.yml

@@ -0,0 +1,17 @@
+---
+en:
+  activerecord:
+    errors:
+      models:
+        pension_source:
+          attributes:
+            end_age:
+              required_for_fixed_term: is required for a fixed-term payout.
+        retirement_bucket_entry:
+          attributes:
+            account:
+              must_belong_to_family: must belong to the same family as the plan.
+        "goal/retirement":
+          attributes:
+            adjustments:
+              too_many: "can't exceed %{count} per plan."

db/migrate/20260529120100_add_retirement_params_to_goals.rb

@@ -0,0 +1,5 @@
+class AddRetirementParamsToGoals < ActiveRecord::Migration[7.2]
+  def change
+    add_column :goals, :retirement_params, :jsonb, default: {}, null: false
+  end
+end

db/migrate/20260529120110_create_pension_sources.rb

@@ -0,0 +1,27 @@
+class CreatePensionSources < ActiveRecord::Migration[7.2]
+  def change
+    create_table :pension_sources, id: :uuid do |t|
+      t.references :goal_retirement, type: :uuid, null: false,
+        foreign_key: { to_table: :goals, on_delete: :cascade }, index: true
+      t.string :name, null: false
+      t.string :kind, null: false
+      t.string :country, null: false
+      t.string :pension_system, null: false
+      t.string :tax_treatment, null: false
+      t.string :payout_shape, null: false
+      t.integer :start_age, null: false
+      t.integer :end_age
+      t.decimal :amount, precision: 19, scale: 4, null: false
+      t.string :currency, null: false
+      t.decimal :effective_rate_override, precision: 5, scale: 4
+      t.jsonb :params, null: false, default: {}
+
+      t.timestamps
+    end
+
+    add_check_constraint :pension_sources, "amount >= 0",
+      name: "chk_pension_sources_amount_non_negative"
+    add_check_constraint :pension_sources, "start_age >= 0 AND start_age <= 120",
+      name: "chk_pension_sources_start_age_range"
+  end
+end

db/migrate/20260529120120_create_goal_retirement_statements.rb

@@ -0,0 +1,24 @@
+class CreateGoalRetirementStatements < ActiveRecord::Migration[7.2]
+  def change
+    create_table :goal_retirement_statements, id: :uuid do |t|
+      t.references :goal_retirement, type: :uuid, null: false,
+        foreign_key: { to_table: :goals, on_delete: :cascade }, index: true
+      t.references :pension_source, type: :uuid, null: false,
+        foreign_key: { on_delete: :cascade }, index: true
+      t.date :received_on, null: false
+      t.decimal :projected_monthly_amount, precision: 19, scale: 4, null: false
+      t.string :projected_currency, null: false
+      t.integer :projected_at_age
+      t.decimal :current_points, precision: 8, scale: 2
+      t.text :raw_source_doc
+      t.text :notes
+      t.boolean :deleted, null: false, default: false
+
+      t.timestamps
+    end
+
+    add_index :goal_retirement_statements, [ :pension_source_id, :received_on ],
+      where: "deleted = false",
+      name: "index_retirement_statements_active_by_received_on"
+  end
+end

db/migrate/20260529120130_create_goal_retirement_adjustments.rb

@@ -0,0 +1,17 @@
+class CreateGoalRetirementAdjustments < ActiveRecord::Migration[7.2]
+  def change
+    create_table :goal_retirement_adjustments, id: :uuid do |t|
+      t.references :goal_retirement, type: :uuid, null: false,
+        foreign_key: { to_table: :goals, on_delete: :cascade }, index: true
+      t.integer :from_age, null: false
+      t.integer :to_age
+      t.decimal :amount_today, precision: 19, scale: 4, null: false
+      t.string :currency, null: false
+      t.string :label, null: false
+      t.string :icon
+      t.integer :ordinal, null: false, default: 0
+
+      t.timestamps
+    end
+  end
+end

db/migrate/20260529120140_create_retirement_bucket_entries.rb

@@ -0,0 +1,15 @@
+class CreateRetirementBucketEntries < ActiveRecord::Migration[7.2]
+  def change
+    create_table :retirement_bucket_entries, id: :uuid do |t|
+      t.references :goal_retirement, type: :uuid, null: false,
+        foreign_key: { to_table: :goals, on_delete: :cascade }
+      t.references :account, type: :uuid, null: false,
+        foreign_key: { on_delete: :cascade }
+
+      t.timestamps
+    end
+
+    add_index :retirement_bucket_entries, [ :goal_retirement_id, :account_id ],
+      unique: true, name: "index_retirement_bucket_entries_uniqueness"
+  end
+end

db/schema.rb

@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
+ActiveRecord::Schema[7.2].define(version: 2026_05_29_120140) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "pgcrypto"
   enable_extension "plpgsql"
@@ -53,6 +53,7 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.string "content_type", limit: 100, null: false
     t.bigint "byte_size", null: false
     t.string "checksum", limit: 64, null: false
+    t.string "content_sha256"
     t.string "source", default: "manual_upload", null: false
     t.string "upload_status", default: "stored", null: false
     t.string "institution_name_hint", limit: 200
@@ -69,7 +70,6 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.jsonb "sanitized_parser_output", default: {}, null: false
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
-    t.string "content_sha256"
     t.index ["account_id", "period_start_on", "period_end_on"], name: "index_account_statements_on_account_period"
     t.index ["account_id"], name: "index_account_statements_on_account_id"
     t.index ["family_id", "checksum"], name: "index_account_statements_on_family_checksum"
@@ -254,9 +254,9 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.string "institution_domain"
     t.string "institution_url"
     t.string "institution_color"
-    t.string "status", default: "good", null: false
-    t.boolean "scheduled_for_deletion", default: false, null: false
-    t.boolean "pending_account_setup", default: false, null: false
+    t.string "status", default: "good"
+    t.boolean "scheduled_for_deletion", default: false
+    t.boolean "pending_account_setup", default: false
     t.datetime "sync_start_date"
     t.jsonb "raw_payload"
     t.text "api_key"
@@ -787,6 +787,38 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.check_constraint "amount > 0::numeric", name: "chk_goal_pledges_amount_positive"
   end
 
+  create_table "goal_retirement_adjustments", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.uuid "goal_retirement_id", null: false
+    t.integer "from_age", null: false
+    t.integer "to_age"
+    t.decimal "amount_today", precision: 19, scale: 4, null: false
+    t.string "currency", null: false
+    t.string "label", null: false
+    t.string "icon"
+    t.integer "ordinal", default: 0, null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["goal_retirement_id"], name: "index_goal_retirement_adjustments_on_goal_retirement_id"
+  end
+
+  create_table "goal_retirement_statements", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.uuid "goal_retirement_id", null: false
+    t.uuid "pension_source_id", null: false
+    t.date "received_on", null: false
+    t.decimal "projected_monthly_amount", precision: 19, scale: 4, null: false
+    t.string "projected_currency", null: false
+    t.integer "projected_at_age"
+    t.decimal "current_points", precision: 8, scale: 2
+    t.text "raw_source_doc"
+    t.text "notes"
+    t.boolean "deleted", default: false, null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["goal_retirement_id"], name: "index_goal_retirement_statements_on_goal_retirement_id"
+    t.index ["pension_source_id", "received_on"], name: "index_retirement_statements_active_by_received_on", where: "(deleted = false)"
+    t.index ["pension_source_id"], name: "index_goal_retirement_statements_on_pension_source_id"
+  end
+
   create_table "goals", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.uuid "family_id", null: false
     t.string "name", null: false
@@ -801,12 +833,13 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.string "icon"
     t.string "type", default: "Goal", null: false
     t.uuid "user_id"
+    t.jsonb "retirement_params", default: {}, null: false
     t.index ["family_id", "state"], name: "index_goals_on_family_id_and_state"
     t.index ["family_id", "type", "state"], name: "index_goals_on_family_type_state"
     t.index ["family_id"], name: "index_goals_on_family_id"
     t.index ["user_id", "type"], name: "index_goals_on_user_and_type_retirement", where: "((type)::text = 'Goal::Retirement'::text)"
     t.check_constraint "char_length(name::text) <= 255", name: "chk_savings_goals_name_length"
-    t.check_constraint "state::text = ANY (ARRAY['active'::character varying, 'paused'::character varying, 'completed'::character varying, 'archived'::character varying]::text[])", name: "chk_savings_goals_state_enum"
+    t.check_constraint "state::text = ANY (ARRAY['active'::character varying::text, 'paused'::character varying::text, 'completed'::character varying::text, 'archived'::character varying::text])", name: "chk_savings_goals_state_enum"
     t.check_constraint "target_amount > 0::numeric", name: "chk_savings_goals_target_amount_positive"
     t.check_constraint "type::text <> 'Goal::Retirement'::text OR user_id IS NOT NULL", name: "chk_goals_retirement_requires_owner"
   end
@@ -844,9 +877,9 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.decimal "current_balance", precision: 19, scale: 4
     t.decimal "cash_balance", precision: 19, scale: 4
     t.jsonb "institution_metadata"
-    t.jsonb "raw_holdings_payload", default: []
-    t.jsonb "raw_activities_payload", default: {}
-    t.jsonb "raw_cash_report_payload", default: []
+    t.jsonb "raw_holdings_payload", default: [], null: false
+    t.jsonb "raw_activities_payload", default: {}, null: false
+    t.jsonb "raw_cash_report_payload", default: [], null: false
     t.date "report_date"
     t.datetime "last_holdings_sync"
     t.datetime "last_activities_sync"
@@ -860,8 +893,8 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
   create_table "ibkr_items", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.uuid "family_id", null: false
     t.string "name"
-    t.string "status", default: "good"
-    t.boolean "scheduled_for_deletion", default: false
+    t.string "status", default: "good", null: false
+    t.boolean "scheduled_for_deletion", default: false, null: false
     t.boolean "pending_account_setup", default: false, null: false
     t.jsonb "raw_payload"
     t.string "query_id"
@@ -1339,6 +1372,27 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.string "subtype"
   end
 
+  create_table "pension_sources", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.uuid "goal_retirement_id", null: false
+    t.string "name", null: false
+    t.string "kind", null: false
+    t.string "country", null: false
+    t.string "pension_system", null: false
+    t.string "tax_treatment", null: false
+    t.string "payout_shape", null: false
+    t.integer "start_age", null: false
+    t.integer "end_age"
+    t.decimal "amount", precision: 19, scale: 4, null: false
+    t.string "currency", null: false
+    t.decimal "effective_rate_override", precision: 5, scale: 4
+    t.jsonb "params", default: {}, null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["goal_retirement_id"], name: "index_pension_sources_on_goal_retirement_id"
+    t.check_constraint "amount >= 0::numeric", name: "chk_pension_sources_amount_non_negative"
+    t.check_constraint "start_age >= 0 AND start_age <= 120", name: "chk_pension_sources_start_age_range"
+  end
+
   create_table "plaid_accounts", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.uuid "plaid_item_id", null: false
     t.string "plaid_id", null: false
@@ -1434,6 +1488,16 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
     t.index ["outflow_transaction_id"], name: "index_rejected_transfers_on_outflow_transaction_id"
   end
 
+  create_table "retirement_bucket_entries", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
+    t.uuid "goal_retirement_id", null: false
+    t.uuid "account_id", null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["account_id"], name: "index_retirement_bucket_entries_on_account_id"
+    t.index ["goal_retirement_id", "account_id"], name: "index_retirement_bucket_entries_uniqueness", unique: true
+    t.index ["goal_retirement_id"], name: "index_retirement_bucket_entries_on_goal_retirement_id"
+  end
+
   create_table "rule_actions", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.uuid "rule_id", null: false
     t.string "action_type", null: false
@@ -1982,6 +2046,9 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
   add_foreign_key "goal_pledges", "accounts", on_delete: :restrict
   add_foreign_key "goal_pledges", "goals", on_delete: :cascade
   add_foreign_key "goal_pledges", "transactions", column: "matched_transaction_id", on_delete: :nullify
+  add_foreign_key "goal_retirement_adjustments", "goals", column: "goal_retirement_id", on_delete: :cascade
+  add_foreign_key "goal_retirement_statements", "goals", column: "goal_retirement_id", on_delete: :cascade
+  add_foreign_key "goal_retirement_statements", "pension_sources", on_delete: :cascade
   add_foreign_key "goals", "families", on_delete: :cascade
   add_foreign_key "goals", "users", on_delete: :restrict
   add_foreign_key "holdings", "account_providers"
@@ -2012,6 +2079,7 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
   add_foreign_key "oauth_access_grants", "oauth_applications", column: "application_id"
   add_foreign_key "oauth_access_tokens", "oauth_applications", column: "application_id"
   add_foreign_key "oidc_identities", "users"
+  add_foreign_key "pension_sources", "goals", column: "goal_retirement_id", on_delete: :cascade
   add_foreign_key "plaid_accounts", "plaid_items"
   add_foreign_key "plaid_items", "families"
   add_foreign_key "recurring_transactions", "accounts", column: "destination_account_id", on_delete: :cascade
@@ -2020,6 +2088,8 @@ ActiveRecord::Schema[7.2].define(version: 2026_05_29_120001) do
   add_foreign_key "recurring_transactions", "merchants"
   add_foreign_key "rejected_transfers", "transactions", column: "inflow_transaction_id"
   add_foreign_key "rejected_transfers", "transactions", column: "outflow_transaction_id"
+  add_foreign_key "retirement_bucket_entries", "accounts", on_delete: :cascade
+  add_foreign_key "retirement_bucket_entries", "goals", column: "goal_retirement_id", on_delete: :cascade
   add_foreign_key "rule_actions", "rules"
   add_foreign_key "rule_conditions", "rule_conditions", column: "parent_id"
   add_foreign_key "rule_conditions", "rules"

test/fixtures/goal_retirement_adjustments.yml

@@ -0,0 +1,7 @@
+mortgage_paid_off:
+  goal_retirement: retirement_bob
+  from_age: 51
+  amount_today: -680
+  currency: USD
+  label: Mortgage paid off
+  ordinal: 0

test/fixtures/goal_retirement_statements.yml

@@ -0,0 +1,19 @@
+grv_2023:
+  goal_retirement: retirement_bob
+  pension_source: de_grv_bob
+  received_on: 2023-01-15
+  projected_monthly_amount: 1180
+  projected_currency: EUR
+  projected_at_age: 67
+  current_points: 7.10
+  raw_source_doc: Renteninformation 2023
+
+grv_2025:
+  goal_retirement: retirement_bob
+  pension_source: de_grv_bob
+  received_on: 2025-01-15
+  projected_monthly_amount: 1510
+  projected_currency: EUR
+  projected_at_age: 67
+  current_points: 9.60
+  raw_source_doc: Renteninformation 2025

test/fixtures/goals.yml

@@ -23,3 +23,14 @@ car_paydown:
   target_date: <%= 12.months.from_now.to_date %>
   color: "#e99537"
   state: paused
+
+# STI subtype — owner-scoped retirement plan. Excluded from the savings
+# goal routes (see Goal.savings); reachable only via RetirementController.
+retirement_bob:
+  family: dylan_family
+  user_id: <%= ActiveRecord::FixtureSet.identify(:family_admin, :uuid) %>
+  type: Goal::Retirement
+  name: Bob's Retirement
+  target_amount: 1000000
+  currency: USD
+  state: active

test/fixtures/pension_sources.yml

@@ -0,0 +1,23 @@
+de_grv_bob:
+  goal_retirement: retirement_bob
+  name: German Statutory Pension
+  kind: state
+  country: DE
+  pension_system: de_grv
+  tax_treatment: de_renten
+  payout_shape: monthly_for_life
+  start_age: 67
+  amount: 1510
+  currency: EUR
+
+bav_bob:
+  goal_retirement: retirement_bob
+  name: bAV employer scheme
+  kind: workplace
+  country: DE
+  pension_system: de_bav
+  tax_treatment: de_bav
+  payout_shape: lump_plus_annuity
+  start_age: 65
+  amount: 620
+  currency: EUR

test/fixtures/retirement_bucket_entries.yml

@@ -0,0 +1,3 @@
+bob_investment:
+  goal_retirement: retirement_bob
+  account: investment

test/models/goal/retirement_adjustment_test.rb

@@ -0,0 +1,31 @@
+require "test_helper"
+
+class Goal::RetirementAdjustmentTest < ActiveSupport::TestCase
+  setup do
+    @adj = goal_retirement_adjustments(:mortgage_paid_off)
+  end
+
+  test "fixture is valid" do
+    assert @adj.valid?, @adj.errors.full_messages.to_sentence
+  end
+
+  test "amount can be negative (a reduction)" do
+    assert @adj.amount_today.negative?
+    assert @adj.valid?
+  end
+
+  test "to_age must exceed from_age when present" do
+    @adj.to_age = @adj.from_age - 1
+    assert_not @adj.valid?
+  end
+
+  test "applicable_at? respects the from/to range" do
+    assert_not @adj.applicable_at?(@adj.from_age - 1)
+    assert @adj.applicable_at?(@adj.from_age)
+    assert @adj.applicable_at?(@adj.from_age + 5) # to_age nil => forever
+  end
+
+  test "amount_today_money uses the adjustment currency" do
+    assert_equal Money.new(-680, "USD"), @adj.amount_today_money
+  end
+end

test/models/goal/retirement_statement_test.rb

@@ -0,0 +1,37 @@
+require "test_helper"
+
+class Goal::RetirementStatementTest < ActiveSupport::TestCase
+  setup do
+    @statement = goal_retirement_statements(:grv_2025)
+  end
+
+  test "fixture is valid" do
+    assert @statement.valid?, @statement.errors.full_messages.to_sentence
+  end
+
+  test "default scope excludes soft-deleted rows" do
+    @statement.update_column(:deleted, true)
+    assert_not Goal::RetirementStatement.exists?(@statement.id)
+    assert Goal::RetirementStatement.unscoped.exists?(@statement.id)
+  end
+
+  test "points_delta is nil for earliest, signed for later" do
+    assert_nil goal_retirement_statements(:grv_2023).points_delta
+    assert_in_delta 2.50, goal_retirement_statements(:grv_2025).points_delta, 0.001
+  end
+
+  test "soft_replace! soft-deletes self and inserts replacement" do
+    new_stmt = nil
+    assert_difference -> { Goal::RetirementStatement.unscoped.count }, 1 do
+      new_stmt = @statement.soft_replace!(projected_monthly_amount: 1600)
+    end
+
+    assert @statement.reload.deleted
+    assert_equal 1600, new_stmt.projected_monthly_amount.to_i
+    assert_not new_stmt.deleted
+  end
+
+  test "money uses projected_currency" do
+    assert_equal Money.new(1510, "EUR"), @statement.projected_monthly_amount_money
+  end
+end

test/models/goal/retirement_test.rb

@@ -73,4 +73,25 @@ class Goal::RetirementTest < ActiveSupport::TestCase
 
     assert retirement.valid?, retirement.errors.full_messages.to_sentence
   end
+
+  test "has pension sources, statements, adjustments, and bucket accounts" do
+    plan = goals(:retirement_bob)
+    assert_includes plan.pension_sources, pension_sources(:de_grv_bob)
+    assert_includes plan.statements, goal_retirement_statements(:grv_2025)
+    assert_includes plan.adjustments, goal_retirement_adjustments(:mortgage_paid_off)
+    assert_includes plan.bucket_accounts, accounts(:investment)
+  end
+
+  test "adjustments are capped at ADJUSTMENTS_LIMIT" do
+    plan = goals(:retirement_bob)
+
+    (plan.adjustments.size...Goal::Retirement::ADJUSTMENTS_LIMIT).each do |i|
+      plan.adjustments.build(from_age: 60, amount_today: -1, currency: "USD", label: "adj #{i}", ordinal: i + 1)
+    end
+    assert plan.valid?, plan.errors.full_messages.to_sentence
+
+    plan.adjustments.build(from_age: 61, amount_today: -1, currency: "USD", label: "over", ordinal: 99)
+    assert_not plan.valid?
+    assert_includes plan.errors.attribute_names, :adjustments
+  end
 end

test/models/pension_source_test.rb

@@ -0,0 +1,39 @@
+require "test_helper"
+
+class PensionSourceTest < ActiveSupport::TestCase
+  setup do
+    @source = pension_sources(:de_grv_bob)
+  end
+
+  test "fixture is valid" do
+    assert @source.valid?, @source.errors.full_messages.to_sentence
+  end
+
+  test "validates enum-like inclusions" do
+    @source.kind = "bogus"
+    assert_not @source.valid?
+    assert_includes @source.errors.attribute_names, :kind
+  end
+
+  test "end_age required for fixed-term payout" do
+    @source.payout_shape = "monthly_fixed_term"
+    @source.end_age = nil
+    assert_not @source.valid?
+    assert_includes @source.errors[:end_age],
+      I18n.t("activerecord.errors.models.pension_source.attributes.end_age.required_for_fixed_term")
+  end
+
+  test "end_age must exceed start_age" do
+    @source.end_age = @source.start_age - 1
+    assert_not @source.valid?
+  end
+
+  test "amount_money uses the source currency" do
+    assert_equal Money.new(1510, "EUR"), @source.amount_money
+  end
+
+  test "effective_rate_override bounded between 0 and 1" do
+    @source.effective_rate_override = 1.5
+    assert_not @source.valid?
+  end
+end

test/models/retirement_bucket_entry_test.rb

@@ -0,0 +1,28 @@
+require "test_helper"
+
+class RetirementBucketEntryTest < ActiveSupport::TestCase
+  setup do
+    @entry = retirement_bucket_entries(:bob_investment)
+    @goal = goals(:retirement_bob)
+  end
+
+  test "fixture is valid" do
+    assert @entry.valid?, @entry.errors.full_messages.to_sentence
+  end
+
+  test "account is unique within a plan" do
+    dup = RetirementBucketEntry.new(goal_retirement: @goal, account: @entry.account)
+    assert_not dup.valid?
+    assert_includes dup.errors.attribute_names, :account_id
+  end
+
+  test "account must belong to the plan's family" do
+    other_family = Family.create!(name: "Other", currency: "USD", locale: "en", country: "US", timezone: "UTC")
+    foreign = Account.create!(family: other_family, accountable: Depository.new, name: "Foreign", currency: "USD", balance: 1)
+
+    entry = RetirementBucketEntry.new(goal_retirement: @goal, account: foreign)
+    assert_not entry.valid?
+    assert_includes entry.errors[:account],
+      I18n.t("activerecord.errors.models.retirement_bucket_entry.attributes.account.must_belong_to_family")
+  end
+end

test/test_helper.rb

@@ -75,6 +75,13 @@ module ActiveSupport
       end
     end
 
+    # Namespaced models whose fixture-set name doesn't match the class by
+    # Rails convention (goal_retirement_statements -> Goal::RetirementStatement,
+    # not GoalRetirementStatement). Without this the loader can't resolve the
+    # goal_retirement association and tries to insert a literal column.
+    set_fixture_class goal_retirement_statements: "Goal::RetirementStatement",
+                      goal_retirement_adjustments: "Goal::RetirementAdjustment"
+
     # Setup all fixtures in test/fixtures/*.yml for all tests in alphabetical order.
     fixtures :all