require "digest/md5" class InvestmentStatement include Monetizable monetize :total_contributions, :total_dividends, :total_interest, :unrealized_gains attr_reader :family def initialize(family) @family = family end # Get totals for a specific period def totals(period: Period.current_month) trades_in_period = family.trades .joins(:entry) .where(entries: { date: period.date_range }) result = totals_query(trades_scope: trades_in_period) PeriodTotals.new( contributions: Money.new(result[:contributions], family.currency), withdrawals: Money.new(result[:withdrawals], family.currency), dividends: Money.new(result[:dividends], family.currency), interest: Money.new(result[:interest], family.currency), trades_count: result[:trades_count], currency: family.currency ) end # Net contributions (contributions - withdrawals) def net_contributions(period: Period.current_month) t = totals(period: period) t.contributions - t.withdrawals end # Total portfolio value across all investment accounts def portfolio_value investment_accounts.sum(&:balance) end def portfolio_value_money Money.new(portfolio_value, family.currency) end # Total cash in investment accounts def cash_balance investment_accounts.sum(&:cash_balance) end def cash_balance_money Money.new(cash_balance, family.currency) end # Total holdings value def holdings_value portfolio_value - cash_balance end def holdings_value_money Money.new(holdings_value, family.currency) end # All current holdings across investment accounts def current_holdings return Holding.none unless investment_accounts.any? account_ids = investment_accounts.pluck(:id) # Get the latest holding for each security per account Holding .where(account_id: account_ids) .where(currency: family.currency) .where.not(qty: 0) .where( id: Holding .where(account_id: account_ids) .where(currency: family.currency) .select("DISTINCT ON (holdings.account_id, holdings.security_id) holdings.id") .order(Arel.sql("holdings.account_id, holdings.security_id, holdings.date DESC")) ) .includes(:security, :account) .order(amount: :desc) end # Top holdings by value def top_holdings(limit: 5) current_holdings.limit(limit) end # Portfolio allocation by security type/sector (simplified for now) def allocation holdings = current_holdings.to_a total = holdings.sum(&:amount) return [] if total.zero? holdings.map do |holding| HoldingAllocation.new( security: holding.security, amount: holding.amount_money, weight: (holding.amount / total * 100).round(2), trend: holding.trend ) end end # Unrealized gains across all holdings def unrealized_gains current_holdings.sum do |holding| trend = holding.trend trend ? trend.value : 0 end end # Total contributions (all time) - returns numeric for monetize def total_contributions all_time_totals.contributions&.amount || 0 end # Total dividends (all time) - returns numeric for monetize def total_dividends all_time_totals.dividends&.amount || 0 end # Total interest (all time) - returns numeric for monetize def total_interest all_time_totals.interest&.amount || 0 end def unrealized_gains_trend holdings = current_holdings.to_a return nil if holdings.empty? current = holdings.sum(&:amount) previous = holdings.sum { |h| h.qty * h.avg_cost.amount } Trend.new(current: current, previous: previous) end # Day change across portfolio def day_change holdings = current_holdings.to_a changes = holdings.map(&:day_change).compact return nil if changes.empty? current = changes.sum { |t| t.current.is_a?(Money) ? t.current.amount : t.current } previous = changes.sum { |t| t.previous.is_a?(Money) ? t.previous.amount : t.previous } Trend.new( current: Money.new(current, family.currency), previous: Money.new(previous, family.currency) ) end # Investment accounts def investment_accounts @investment_accounts ||= family.accounts.visible.where(accountable_type: %w[Investment Crypto]) end private def all_time_totals @all_time_totals ||= totals(period: Period.all_time) end PeriodTotals = Data.define(:contributions, :withdrawals, :dividends, :interest, :trades_count, :currency) do def net_flow contributions - withdrawals end def total_income dividends + interest end end HoldingAllocation = Data.define(:security, :amount, :weight, :trend) def totals_query(trades_scope:) sql_hash = Digest::MD5.hexdigest(trades_scope.to_sql) Rails.cache.fetch([ "investment_statement", "totals_query", family.id, sql_hash, family.entries_cache_version ]) { Totals.new(family, trades_scope: trades_scope).call } end def monetizable_currency family.currency end end