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Include sample output & visualizations in README
Eventually, I hope to make the user interface a little nicer. For now, though - show what the tool actually _does_ before blathering on.
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@@ -18,6 +18,54 @@ its desired ratio of the whole portfolio. | |
Broadly, this tool provides a means of ["staying the course"][stay_the_course] | ||
through regular contributions into the right mutual funds. | ||
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## Demo | ||
Just clone and `cargo run` to see a demonstration with a real GnuCash database: | ||
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``` | ||
$ git clone [email protected]:DavidCain/stay-the-course.git | ||
$ cd stay-the-course | ||
$ cargo run | ||
US stocks: $10032 (π― 42.68%) | ||
- FZROX: $5120.56 (485.3619 x $10.55) | ||
- VTSAX: $4911.94 (66.5305 x $73.83) | ||
International stocks: $7749 (π― 34.14%) | ||
- VTIAX: $7749.70 (273.7445 x $28.31) | ||
US bonds: $3393 (π― 14.63%) | ||
- VBTLX: $3393.63 (311.0576 x $10.91) | ||
REIT: $3330 (π― 8.53%) | ||
- VGSLX: $3330.72 (26.1438 x $127.40) | ||
Portfolio total: $24506 | ||
Worth at retirement (Assuming 7% growth): | ||
- 34: $24506 SWR: $980 | ||
- 50: $69858 SWR: $2794 | ||
- 55: $97975 SWR: $3919 | ||
- 60: $137434 SWR: $5497 | ||
- 65: $192750 SWR: $7710 | ||
After-tax income: $49700 | ||
Charitable giving: $5000 (10% of after-tax income) | ||
How much to contribute or withdraw? | ||
2000 | ||
Contribute the following amounts: | ||
- International stocks: $903.07 | ||
31.62% -> 32.64% (π― 34.14%) Ξ [7.3% -> 4.4%] | ||
- US bonds: $313.46 | ||
13.84% -> 13.98% (π― 14.63%) Ξ [5.3% -> 4.4%] | ||
- US stocks: $783.46 | ||
40.93% -> 40.80% (π― 42.68%) Ξ [4.0% -> 4.4%] | ||
- REIT: $0.00 | ||
13.59% -> 12.56% (π― 8.53%) Ξ [-59.2% -> -47.1%] | ||
``` | ||
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### Sample GnuCash accounting records | ||
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`example.sqlite3` and `example.gnucash` are included sample files that may be | ||
opened with [GnuCash 3][gnucash]. The transactions, security prices, and | ||
account balances contained within are the basis of rebalancing logic: | ||
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![GnuCash user interface for included sample files][img-gnucash-interface] | ||
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## How it works | ||
The tool accepts a few key inputs: | ||
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[lazy_portfolio]: https://www.bogleheads.org/wiki/Lazy_portfolios#Three_fund_lazy_portfolios | ||
[tax_loss_harvesting]: https://www.bogleheads.org/wiki/Tax_loss_harvesting | ||
[tax_efficient_placement]: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement | ||
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[img-gnucash-interface]: https://github.com/DavidCain/stay-the-course/blob/master/images/gnucash_interface.png |
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