项目作者: maltseva88

项目描述 :
The Consumer Division of a company has decided to offer budgeting and financial planning services to customers. They want to build a report for customers that links to their banking and investment accounts and automatically refreshes the data and charts on login.
高级语言: Jupyter Notebook
项目地址: git://github.com/maltseva88/-APIs-.git
创建时间: 2020-07-20T14:09:07Z
项目社区:https://github.com/maltseva88/-APIs-

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-APIs-

The Consumer Division of a company has decided to offer budgeting and financial planning services to customers. They want to build a report for customers that links to their banking and investment accounts and automatically refreshes the data and charts on login.

In this assignment, I’ve conducted the following manipulations:

  • Budget Analysis with Plaid
  • Retirement Planner
  • Financial Report

Budget Analysis

In this section, I used Plaid API to obtain transaction and account data for the budget analysis section of the report to complete the following:

  • Generate a Plaid access token to access the Developer Sandbox
  • Use the Access token to fetch account transactions from the sandbox (fetched the last 90 days of transactions from the sandbox)
  • Performed basic budget analysis on the sandbox transaction and generate the plots
  • Useed the API to fetch income data from the sandbox and print the following:
    • Last Year’s Income Before Tax
    • Current Monthly Income
    • Projected Year’s Income Before Tax

Retirement Planner

In this section, I’ve used the Alpaca API to fetch historical closing prices for a retirement portfolio and then run Monte Carlo simulations to project the portfolio performance at 30 years; and used the Monte Carlo data to answer questions about the portfolio.

  • Monte Carlo Simulation (Used the Alpaca API to fetch historical closing prices for a traditional 60/40 portfolio using the SPY and AGG tickers to represent the 60% stocks (SPY) and 40% bonds (AGG))
  • Run a Monte Carlo Simulation of 500 runs and 30 years for the 60/40 portfolio and plot the results
  • Select the ending cumulative returns from the Monte Carlo simulation and calculate the interval values for a 90% confidence interval
  • Using the ending cumulative returns, plotted a histogram of the results and plotted the 90% confidence interval as vertical lines on the histogram

Retirement Analysis

Used the Monte Carlo simulation data to answer the following questions:

  • expected cumulative returns at 30 years for the 10th, 50th, and 90th percentiles
  • expected return in dollars at the 10th, 50th, and 90th percentiles, given an initial investment of $20,000
  • determined if retirement income is equivalent to current income (4% withdrawal rate meet or exceed that value at the 10th percentile)
  • determined how 50% increase in the initial investment ($20000) amount would affect the 4% retirement withdrawal.