1.6.0 #6+#7: proyección/ETA de objetivos + insights inteligentes
Goal ETA (#6): GoalProjection engine (CAGR mensual robusto de la evolución + aportaciones, proyecta mes a mes → fecha estimada, estado ahead/on-track/behind/ unreachable, sparkline). GoalsView muestra 'Projected: <mes>', chip de ritmo con color, fallback 'Add contributions to reach this'. GoalsViewModel.projection(for:) cacheado. Insights (#7): InsightsEngine rule-based on-device (sin red/AI). Reglas: allocation vs target, riesgo de concentración, mejor/peor categoría, diversificación, racha, YTD, ganancias, forecast, proximidad a milestone. Priorizados por tono, top 4. PortfolioInsight gana detail + tone. Surface en el Dashboard. Localización: 19 claves nuevas en los 7 idiomas. Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_01L2p3gUZRNWW388rWFRjiU7
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alexandrev-tibco
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import SwiftUI
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/// On-device, privacy-friendly rule-based insights engine.
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///
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/// Produces a prioritized list of `PortfolioInsight`s purely from local data —
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/// no network, no AI calls. The `DashboardViewModel` gathers the inputs from
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/// Core Data and passes them in; this keeps the rules pure and testable.
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enum InsightsEngine {
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/// One category's allocation snapshot for the allocation-vs-target rule.
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struct CategorySlice {
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let name: String
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let percentageOfPortfolio: Double
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/// User's target allocation percentage, if set.
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let targetPercentage: Double?
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/// Trailing return percentage over the analysed window, if computable.
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let returnPercentage: Double?
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}
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/// One source's weight for the concentration-risk rule.
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struct SourceSlice {
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let name: String
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let percentageOfPortfolio: Double
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}
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struct Input {
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let totalValue: Decimal
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let categories: [CategorySlice]
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let sources: [SourceSlice]
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/// Number of categories that actually hold value.
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let fundedCategoryCount: Int
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/// Number of sources that actually hold value.
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let fundedSourceCount: Int
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let yearChangePercentage: Double
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let allTimeReturn: Decimal
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let updateStreak: Int
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let forecast: PortfolioForecast?
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}
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// Thresholds
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private static let concentrationThreshold = 0.40 // one source > 40% of portfolio
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private static let allocationDriftThreshold = 5.0 // > 5 percentage points off target
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private static let milestoneNearThreshold = 0.90 // within 10% of next milestone
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static func makeInsights(_ input: Input, limit: Int = 4) -> [PortfolioInsight] {
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guard input.totalValue > 0 else { return [] }
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var result: [PortfolioInsight] = []
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result.append(contentsOf: milestoneInsight(input))
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result.append(contentsOf: allocationDriftInsight(input))
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result.append(contentsOf: concentrationInsight(input))
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result.append(contentsOf: performerInsights(input))
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result.append(contentsOf: diversificationInsight(input))
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result.append(contentsOf: streakInsight(input))
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result.append(contentsOf: ytdInsight(input))
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result.append(contentsOf: marketGainsInsight(input))
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result.append(contentsOf: forecastInsight(input))
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// Prioritize: attention first, then positive, then neutral; stable within tone.
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let sorted = result.enumerated().sorted { lhs, rhs in
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if lhs.element.tone.priority != rhs.element.tone.priority {
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return lhs.element.tone.priority > rhs.element.tone.priority
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}
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return lhs.offset < rhs.offset
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}.map(\.element)
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return Array(sorted.prefix(limit))
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}
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// MARK: - Rules
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private static func milestoneInsight(_ input: Input) -> [PortfolioInsight] {
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let milestones: [Decimal] = [1000, 2500, 5000, 10000, 25000, 50000,
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100000, 250000, 500000, 1_000_000,
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2_500_000, 5_000_000, 10_000_000]
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guard let next = milestones.first(where: { $0 > input.totalValue }) else { return [] }
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let pct = NSDecimalNumber(decimal: input.totalValue / next).doubleValue
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guard pct >= milestoneNearThreshold else { return [] }
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let gap = next - input.totalValue
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let gapStr = CurrencyFormatter.format(gap, style: .currency, maximumFractionDigits: 0)
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let msStr = CurrencyFormatter.format(next, style: .currency, maximumFractionDigits: 0)
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return [PortfolioInsight(
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id: "milestone",
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systemImage: "flag.checkered",
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title: String(localized: "insight_milestone_title"),
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value: String(format: String(localized: "insight_milestone_value"), gapStr, msStr),
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accentColor: .orange,
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tone: .positive
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)]
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}
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private static func allocationDriftInsight(_ input: Input) -> [PortfolioInsight] {
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// Pick the category most off its target (over or under).
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let drifts = input.categories.compactMap { cat -> (CategorySlice, Double)? in
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guard let target = cat.targetPercentage, target > 0 else { return nil }
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return (cat, cat.percentageOfPortfolio - target)
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}
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guard let (cat, drift) = drifts.max(by: { abs($0.1) < abs($1.1) }),
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abs(drift) >= allocationDriftThreshold,
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let target = cat.targetPercentage else { return [] }
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let over = drift > 0
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let value = String(
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format: String(localized: over ? "insight_allocation_over_value" : "insight_allocation_under_value"),
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cat.name,
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cat.percentageOfPortfolio,
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target
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)
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return [PortfolioInsight(
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id: "allocation_\(cat.name)",
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systemImage: over ? "arrow.up.forward.circle.fill" : "arrow.down.forward.circle.fill",
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title: String(localized: "insight_allocation_title"),
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value: value,
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accentColor: .appWarning,
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detail: String(localized: "insight_allocation_detail"),
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tone: .attention
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)]
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}
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private static func concentrationInsight(_ input: Input) -> [PortfolioInsight] {
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guard let top = input.sources.max(by: { $0.percentageOfPortfolio < $1.percentageOfPortfolio }),
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top.percentageOfPortfolio >= concentrationThreshold * 100,
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input.fundedSourceCount >= 2 else { return [] }
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return [PortfolioInsight(
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id: "concentration",
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systemImage: "exclamationmark.triangle.fill",
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title: String(localized: "insight_concentration_title"),
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value: String(format: String(localized: "insight_concentration_value"), top.name, top.percentageOfPortfolio),
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accentColor: .appWarning,
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detail: String(localized: "insight_concentration_detail"),
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tone: .attention
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)]
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}
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private static func performerInsights(_ input: Input) -> [PortfolioInsight] {
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let ranked = input.categories.compactMap { cat -> (CategorySlice, Double)? in
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guard let ret = cat.returnPercentage else { return nil }
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return (cat, ret)
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}
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guard ranked.count >= 2 else { return [] }
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var out: [PortfolioInsight] = []
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if let best = ranked.max(by: { $0.1 < $1.1 }), best.1 > 0 {
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out.append(PortfolioInsight(
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id: "best_performer",
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systemImage: "trophy.fill",
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title: String(localized: "insight_best_performer_title"),
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value: String(format: String(localized: "insight_performer_value"), best.0.name, best.1),
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accentColor: .positiveGreen,
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tone: .positive
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))
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}
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if let worst = ranked.min(by: { $0.1 < $1.1 }), worst.1 < 0 {
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out.append(PortfolioInsight(
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id: "worst_performer",
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systemImage: "chart.line.downtrend.xyaxis",
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title: String(localized: "insight_worst_performer_title"),
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value: String(format: String(localized: "insight_performer_value"), worst.0.name, worst.1),
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accentColor: .negativeRed,
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tone: .attention
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))
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}
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return out
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}
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private static func diversificationInsight(_ input: Input) -> [PortfolioInsight] {
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// Encourage diversification only when the portfolio is thin.
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if input.fundedSourceCount == 1 {
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return [PortfolioInsight(
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id: "diversification",
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systemImage: "square.grid.2x2",
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title: String(localized: "insight_diversification_title"),
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value: String(localized: "insight_diversification_single_value"),
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accentColor: .appPrimary,
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tone: .neutral
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)]
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}
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if input.fundedCategoryCount >= 4 {
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return [PortfolioInsight(
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id: "diversification",
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systemImage: "square.grid.2x2.fill",
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title: String(localized: "insight_diversification_title"),
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value: String(format: String(localized: "insight_diversification_good_value"), input.fundedCategoryCount),
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accentColor: .positiveGreen,
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tone: .positive
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)]
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}
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return []
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}
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private static func streakInsight(_ input: Input) -> [PortfolioInsight] {
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guard input.updateStreak >= 3 else { return [] }
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return [PortfolioInsight(
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id: "streak",
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systemImage: "flame.fill",
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title: String(localized: "insight_streak_title"),
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value: String(format: String(localized: "insight_streak_value"), input.updateStreak),
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accentColor: .orange,
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tone: .positive
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)]
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}
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private static func ytdInsight(_ input: Input) -> [PortfolioInsight] {
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let ytd = input.yearChangePercentage
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guard abs(ytd) >= 0.1 else { return [] }
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let icon = ytd >= 0 ? "arrow.up.right.circle.fill" : "arrow.down.right.circle.fill"
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return [PortfolioInsight(
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id: "ytd",
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systemImage: icon,
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title: String(localized: "insight_ytd_title"),
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value: String(format: "%+.1f%%", ytd),
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accentColor: ytd >= 0 ? .positiveGreen : .negativeRed,
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tone: ytd >= 0 ? .positive : .neutral
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)]
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}
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private static func marketGainsInsight(_ input: Input) -> [PortfolioInsight] {
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guard input.allTimeReturn > 0 else { return [] }
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let gainStr = CurrencyFormatter.format(input.allTimeReturn, style: .currency, maximumFractionDigits: 0)
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return [PortfolioInsight(
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id: "market_gains",
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systemImage: "chart.line.uptrend.xyaxis",
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title: String(localized: "insight_market_gains_title"),
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value: String(format: String(localized: "insight_market_gains_value"), gainStr),
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accentColor: .appPrimary,
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tone: .positive
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)]
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}
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private static func forecastInsight(_ input: Input) -> [PortfolioInsight] {
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guard let forecast = input.forecast, forecast.forecastValue > input.totalValue else { return [] }
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return [PortfolioInsight(
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id: "forecast",
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systemImage: "wand.and.stars",
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title: String(localized: "insight_forecast_title"),
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value: "\(forecast.formattedForecastValue) · \(forecast.formattedForecastDate)",
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accentColor: .purple,
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tone: .neutral
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)]
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}
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}
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