TRADING_DAYS_PER_YEAR = 252
YEARS_TO_CALCULATE = [5, 10, 15, 20, 25, 30]

ASSET_ANNUAL_RETURN = {
    "纳斯达克100": 0.12,
    "标普500": 0.10,
    "黄金": 0.06,
    "债券": 0.035,
}


def calculate_expected_value(daily_amount, annual_return, years):
    periods = TRADING_DAYS_PER_YEAR * years
    principal = daily_amount * periods
    daily_return = (1 + annual_return) ** (1 / TRADING_DAYS_PER_YEAR) - 1

    if abs(daily_return) < 1e-12:
        total_amount = principal
    else:
        total_amount = daily_amount * (((1 + daily_return) ** periods - 1) / daily_return)

    profit = total_amount - principal
    return principal, profit, total_amount


def calculate_plan(total_amount, output_file="定投结果.txt"):
    output_lines = []

    def emit(line=""):
        output_lines.append(line)
        print(line)

    plans = {
        "稳健型": {
            "纳斯达克100": 0.20,
            "标普500": 0.30,
            "黄金": 0.25,
            "债券": 0.25
        },
        "均衡型（推荐）": {
            "纳斯达克100": 0.30,
            "标普500": 0.30,
            "黄金": 0.20,
            "债券": 0.20
        },
        "进取型": {
            "纳斯达克100": 0.40,
            "标普500": 0.30,
            "黄金": 0.15,
            "债券": 0.15
        }
    }

    for plan_name, assets in plans.items():
        emit(f"\n【{plan_name}】")
        total = 0
        plan_annual_return = 0
        for asset, ratio in assets.items():
            amount = round(total_amount * ratio)
            total += amount
            plan_annual_return += ASSET_ANNUAL_RETURN.get(asset, 0) * ratio
            emit(f"{asset}：{amount} 元")
        emit(f"合计：{total} 元")

        emit(f"组合预期年化收益率：{plan_annual_return * 100:.2f}%")
        emit("年限 | 本金(万元) | 收益(万元) | 总金额(万元)")
        emit("-" * 49)

        for years in YEARS_TO_CALCULATE:
            principal, profit, total_future = calculate_expected_value(total_amount, plan_annual_return, years)
            principal_wan = principal / 10000
            profit_wan = profit / 10000
            total_future_wan = total_future / 10000
            emit(
                f"{years:>2}年 | {principal_wan:>10,.2f} | {profit_wan:>10,.2f} | {total_future_wan:>12,.2f}"
            )

    with open(output_file, "w", encoding="utf-8") as file:
        file.write("\n".join(output_lines) + "\n")

    print(f"\n结果已输出到：{output_file}")


if __name__ == "__main__":
    total_amount = float(input("请输入每个交易日定投总金额（元）："))
    calculate_plan(total_amount)