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bf0f10c21f
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.
46 lines
1.8 KiB
Ruby
46 lines
1.8 KiB
Ruby
class PensionSource < ApplicationRecord
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include Monetizable
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KINDS = %w[state workplace other].freeze
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COUNTRIES = %w[DE US UK].freeze
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PENSION_SYSTEMS = %w[de_grv de_bav de_riester us_ss uk_state uk_workplace custom].freeze
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TAX_TREATMENTS = %w[
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de_renten de_bav de_riester de_private
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uk_state uk_dc_drawdown uk_dc_25pct uk_isa
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custom_post_tax
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].freeze
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PAYOUT_SHAPES = %w[monthly_for_life monthly_fixed_term lump_sum lump_plus_annuity].freeze
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belongs_to :goal_retirement, class_name: "Goal::Retirement", foreign_key: :goal_retirement_id
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has_many :statements, class_name: "Goal::RetirementStatement", dependent: :destroy
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validates :name, presence: true, length: { maximum: 255 }
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validates :kind, inclusion: { in: KINDS }
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validates :country, inclusion: { in: COUNTRIES }
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validates :pension_system, inclusion: { in: PENSION_SYSTEMS }
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validates :tax_treatment, inclusion: { in: TAX_TREATMENTS }
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validates :payout_shape, inclusion: { in: PAYOUT_SHAPES }
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validates :start_age, presence: true,
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numericality: { only_integer: true, greater_than_or_equal_to: 0, less_than_or_equal_to: 120 }
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validates :end_age,
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numericality: { only_integer: true, greater_than: :start_age, less_than_or_equal_to: 120 },
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allow_nil: true
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validates :amount, presence: true, numericality: { greater_than_or_equal_to: 0 }
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validates :currency, presence: true
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validates :effective_rate_override,
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numericality: { greater_than_or_equal_to: 0, less_than_or_equal_to: 1 }, allow_nil: true
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validate :end_age_required_for_fixed_term
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monetize :amount
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def latest_statement
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statements.order(:received_on).last
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end
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private
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def end_age_required_for_fixed_term
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return unless payout_shape == "monthly_fixed_term"
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errors.add(:end_age, :required_for_fixed_term) if end_age.blank?
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end
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end
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