保誠人壽愛美利(rlplu16)外幣終生壽險（分紅保單）死亡IRR最高910%,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;python如何計算IRR? numpy.financial.irr() ; list的乘法(複製)與加法(串接); enumerate() ; 前綴f-string 格式化字串

# -*- 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

death_insurance = [30301]*9 + [34088,  # 10年末死亡保額,第9個元素
                               43937, 84843, 86245, 87677, 89132,
                               90604, 92108, 93631, 95183, 96757,
                               98362, 99995, 101649, 103334, 105043]
# 從第1年末~25年末 #死亡保額 #30歲女
"""len(death_insurance)
Out[17]: 25 #0~24
"""

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_death = []
for j in range(10):
    pay = [-3000]*(j+1)
    cash_flow_death = pay + [death_insurance[j]]
    #print(cash_flow_death)
    irr_death = npf.irr(cash_flow_death)
    lisIRR_death.append(irr_death)
"""len(lisIRR_death)
Out[22]: 10
"""

for k in range(10, len(death_insurance)):
    pay = [-3000]*n_years
    lis0 = [0]*(k-9)
    cash_flow_death=pay+lis0+[ death_insurance[k] ]
    #print(cash_flow_death)
    irr_death = npf.irr(cash_flow_death)
    lisIRR_death.append(irr_death)
"""
len( lisIRR_death )
Out[29]: 25  
#j,k這兩個迴圈可以一次寫
#再用if <=9 分類
"""
for l,irr in enumerate(lisIRR_death,1):
    print(f"第{l:02d}年末({l+30}歲)死亡IRR:\t{irr:.4%}")
#l,irr #l是小寫英文字母的l,不是數字

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)