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bf9bcae600
* Add tax treatment metrics to reports, forms, and models - Implement `build_gains_by_tax_treatment` for grouping gains by tax treatment - Update investment performance view with tax treatment breakdown - Add tax treatment field to crypto and investments forms - Introduce `realized_gain_loss` calculation in the Trade model - Group investment subtypes by region for improved dropdown organization * Optimize investment performance report by reducing N+1 queries - Eager-load associations in `build_gains_by_tax_treatment` to minimize database queries - Preload holdings for realized gain/loss calculations in trades - Refactor views to standardize "no data" placeholder using translations - Adjust styling in tax treatment breakdown for improved layout * Enhance investment performance translations and optimize holdings lookup logic - Update `holdings_count` and `sells_count` translations to handle pluralization - Refactor views to use pluralized translation keys with count interpolation - Optimize preloaded holdings lookup in `Trade` to ensure deterministic selection using `select` and `max_by` * Refine preloaded holdings logic in `Trade` model - Treat empty preloaded holdings as authoritative to prevent unnecessary DB queries - Add explicit fallback behavior for database query when holdings are not preloaded --------- Co-authored-by: luckyPipewrench <luckypipewrench@proton.me>
105 lines
5.3 KiB
Ruby
105 lines
5.3 KiB
Ruby
class Investment < ApplicationRecord
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include Accountable
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# Tax treatment categories:
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# - taxable: Gains taxed when realized
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# - tax_deferred: Taxes deferred until withdrawal
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# - tax_exempt: Qualified gains are tax-free
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# - tax_advantaged: Special tax benefits with conditions
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SUBTYPES = {
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# === United States ===
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"brokerage" => { short: "Brokerage", long: "Brokerage", region: "us", tax_treatment: :taxable },
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"401k" => { short: "401(k)", long: "401(k)", region: "us", tax_treatment: :tax_deferred },
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"roth_401k" => { short: "Roth 401(k)", long: "Roth 401(k)", region: "us", tax_treatment: :tax_exempt },
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"403b" => { short: "403(b)", long: "403(b)", region: "us", tax_treatment: :tax_deferred },
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"457b" => { short: "457(b)", long: "457(b)", region: "us", tax_treatment: :tax_deferred },
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"tsp" => { short: "TSP", long: "Thrift Savings Plan", region: "us", tax_treatment: :tax_deferred },
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"ira" => { short: "IRA", long: "Traditional IRA", region: "us", tax_treatment: :tax_deferred },
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"roth_ira" => { short: "Roth IRA", long: "Roth IRA", region: "us", tax_treatment: :tax_exempt },
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"sep_ira" => { short: "SEP IRA", long: "SEP IRA", region: "us", tax_treatment: :tax_deferred },
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"simple_ira" => { short: "SIMPLE IRA", long: "SIMPLE IRA", region: "us", tax_treatment: :tax_deferred },
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"529_plan" => { short: "529 Plan", long: "529 Education Savings Plan", region: "us", tax_treatment: :tax_advantaged },
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"hsa" => { short: "HSA", long: "Health Savings Account", region: "us", tax_treatment: :tax_advantaged },
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"ugma" => { short: "UGMA", long: "UGMA Custodial Account", region: "us", tax_treatment: :taxable },
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"utma" => { short: "UTMA", long: "UTMA Custodial Account", region: "us", tax_treatment: :taxable },
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# === United Kingdom ===
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"isa" => { short: "ISA", long: "Individual Savings Account", region: "uk", tax_treatment: :tax_exempt },
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"lisa" => { short: "LISA", long: "Lifetime ISA", region: "uk", tax_treatment: :tax_exempt },
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"sipp" => { short: "SIPP", long: "Self-Invested Personal Pension", region: "uk", tax_treatment: :tax_deferred },
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"workplace_pension_uk" => { short: "Pension", long: "Workplace Pension", region: "uk", tax_treatment: :tax_deferred },
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# === Canada ===
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"rrsp" => { short: "RRSP", long: "Registered Retirement Savings Plan", region: "ca", tax_treatment: :tax_deferred },
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"tfsa" => { short: "TFSA", long: "Tax-Free Savings Account", region: "ca", tax_treatment: :tax_exempt },
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"resp" => { short: "RESP", long: "Registered Education Savings Plan", region: "ca", tax_treatment: :tax_advantaged },
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"lira" => { short: "LIRA", long: "Locked-In Retirement Account", region: "ca", tax_treatment: :tax_deferred },
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"rrif" => { short: "RRIF", long: "Registered Retirement Income Fund", region: "ca", tax_treatment: :tax_deferred },
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# === Australia ===
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"super" => { short: "Super", long: "Superannuation", region: "au", tax_treatment: :tax_deferred },
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"smsf" => { short: "SMSF", long: "Self-Managed Super Fund", region: "au", tax_treatment: :tax_deferred },
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# === Europe ===
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"pea" => { short: "PEA", long: "Plan d'Épargne en Actions", region: "eu", tax_treatment: :tax_advantaged },
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"pillar_3a" => { short: "Pillar 3a", long: "Private Pension (Pillar 3a)", region: "eu", tax_treatment: :tax_deferred },
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"riester" => { short: "Riester", long: "Riester-Rente", region: "eu", tax_treatment: :tax_deferred },
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# === Generic (available everywhere) ===
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"pension" => { short: "Pension", long: "Pension", region: nil, tax_treatment: :tax_deferred },
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"retirement" => { short: "Retirement", long: "Retirement Account", region: nil, tax_treatment: :tax_deferred },
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"mutual_fund" => { short: "Mutual Fund", long: "Mutual Fund", region: nil, tax_treatment: :taxable },
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"angel" => { short: "Angel", long: "Angel Investment", region: nil, tax_treatment: :taxable },
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"trust" => { short: "Trust", long: "Trust", region: nil, tax_treatment: :taxable },
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"other" => { short: "Other", long: "Other Investment", region: nil, tax_treatment: :taxable }
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}.freeze
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def tax_treatment
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SUBTYPES.dig(subtype, :tax_treatment) || :taxable
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end
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class << self
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def color
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"#1570EF"
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end
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def classification
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"asset"
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end
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def icon
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"chart-line"
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end
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def region_label_for(region)
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I18n.t("accounts.subtype_regions.#{region || 'generic'}")
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end
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# Maps currency codes to regions for prioritizing user's likely region
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CURRENCY_REGION_MAP = {
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"USD" => "us",
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"GBP" => "uk",
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"CAD" => "ca",
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"AUD" => "au",
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"EUR" => "eu",
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"CHF" => "eu"
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}.freeze
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# Returns subtypes grouped by region for use with grouped_options_for_select
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# Optionally accepts currency to prioritize user's region first
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def subtypes_grouped_for_select(currency: nil)
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user_region = CURRENCY_REGION_MAP[currency]
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grouped = SUBTYPES.group_by { |_, v| v[:region] }
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# Build region order: user's region first (if known), then Generic, then others
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other_regions = %w[us uk ca au eu] - [ user_region ].compact
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region_order = [ user_region, nil, *other_regions ].compact.uniq
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region_order.filter_map do |region|
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next unless grouped[region]
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[ region_label_for(region), grouped[region].map { |k, v| [ v[:long], k ] } ]
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end
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end
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end
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end
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