calc_optimal_asset_allocation: Calculate optimal asset allocation

In R4GoodPersonalFinances: Make Optimal Financial Decisions

Calculate optimal asset allocation

Description

Calculate optimal asset allocation

Usage

calc_optimal_asset_allocation(
  household,
  portfolio,
  current_date = get_current_date()
)

Arguments

household	An R6 object of class Household.
portfolio	A nested tibble of class Portfolio.
current_date	A character. Current date in the format YYYY-MM-DD. By default, it is the output of get_current_date().

Value

The portfolio with additional nested columns:

• allocations$optimal - optimal joint net-worth portfolio allocations

• allocations$current - current allocations

Examples

older_member <- HouseholdMember$new(
  name       = "older",  
  birth_date = "1980-02-15",
  mode       = 80,
  dispersion = 10
)  
household <- Household$new()
household$add_member(older_member)  

household$expected_income <- list(
  "income" = c(
    "members$older$age <= 65 ~ 7000 * 12"
  )
)
household$expected_spending <- list(
  "spending" = c(
    "TRUE ~ 5000 * 12"
  )
)

portfolio <- create_portfolio_template() 
portfolio$accounts$taxable <- c(10000, 30000)

portfolio <- 
  portfolio |> 
  calc_effective_tax_rate(
    tax_rate_ltcg = 0.20, 
    tax_rate_ordinary_income = 0.40
  )

portfolio <- 
  calc_optimal_asset_allocation(
   household = household,
   portfolio = portfolio,
   current_date = "2020-07-15"
  )

portfolio$allocations

R4GoodPersonalFinances documentation built on June 8, 2025, 11:18 a.m.