保誠人壽愛美利(rlplu16)外幣終生壽險（分紅保單）IRR分析(0歲女),註冊保誠人壽網路投保會員,輸入親友推薦序號(WCGXNV) 加贈100元悠遊金,最高可領1000元;

# -*- coding: utf-8 -*-
"""
Created on Tue May 23 18:57:45 2023

@author: SavingKing
"""
import numpy_financial as npf
import numpy as np
import pandas as pd

# cash_value=[40907,42027,43177,44359,
#             45571,46820,48102,49417,50770] #30女
cash_value=[45451,46802,48193,49626,
            51101,52619,54183,55791,57452] #0歲女
#從12年末(第13年初)開始~20年末 解約金,共9筆資料
increasing_rate = [np.nan]

for i in range(1,len(cash_value)):
    increase = cash_value[i]/cash_value[i-1]-1
    increasing_rate.append(increase)
n_years = 10
pay = [-3000]*n_years
#[-3000, -3000, -3000, -3000, -3000, -3000, -3000, -3000, -3000, -3000]
# len(pay)
# Out[38]: 10

lisIRR=[] ; totReturn=[]
for i,value in enumerate(cash_value,12):
    lis0 = [0]*(i-n_years)
    cash_flow = pay+lis0+[value]
    irr = npf.irr(cash_flow)
    lisIRR.append(irr)
    tot = sum(cash_flow)/abs(sum(pay))
    totReturn.append(tot)
    
lisIRR=[f"{irr:.4%}" for irr in lisIRR ]
totReturn=[f"{ele:.4%}" for ele in totReturn ]
increasing_rate=[f"{ele:.4%}" for ele in increasing_rate ]

dic ={
      "年": list(range(12,21)),
      "IRR": lisIRR,
      "總報酬率": totReturn,
      "解約金增加率": increasing_rate
      }

df = pd.DataFrame(dic)