Release 1.4.0 (build 31): retención, quick update, streak, what's new

- 1A: Notificación mensual de resumen de portfolio (día 5 de cada mes)
- 1B: Badge de racha mensual en Dashboard (streak counter)
- 1C: Empty states mejorados en Goals y Journal con CTAs claros
- 2A: Quick Update sheet — actualiza todas las fuentes desde una pantalla
- 2B: Notificación batch update redirige al Quick Update sheet
- 2C: Widget deep link portfoliojournal://quickupdate abre Quick Update
- 3A: App Store version check banner en Settings
- 3C: What's New sheet en primer launch de versión nueva
- Localización completa en 7 idiomas para todas las nuevas strings

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

PortfolioJournal/ViewModels/ChartsViewModel.swift

@@ -17,6 +17,7 @@ class ChartsViewModel: ObservableObject {
         case drawdown = "Drawdown"
         case volatility = "Volatility"
         case prediction = "Prediction"
+        case yearOverYear = "Year vs Year"
 
         var id: String { rawValue }
 
@@ -32,6 +33,7 @@ class ChartsViewModel: ObservableObject {
             case .drawdown: return "arrow.down.right.circle"
             case .volatility: return "waveform.path.ecg"
             case .prediction: return "wand.and.stars"
+            case .yearOverYear: return "calendar"
             }
         }
 
@@ -40,7 +42,7 @@ class ChartsViewModel: ObservableObject {
             case .evolution:
                 return false
             case .allocation, .performance, .contributions, .rollingReturn, .riskReturn, .cashflow,
-                 .drawdown, .volatility, .prediction:
+                 .drawdown, .volatility, .prediction, .yearOverYear:
                 return true
             }
         }
@@ -67,6 +69,8 @@ class ChartsViewModel: ObservableObject {
                 return "Understand investment risk levels"
             case .prediction:
                 return "View 12-month forecasts"
+            case .yearOverYear:
+                return "Compare portfolio values across years"
             }
         }
     }
@@ -104,6 +108,13 @@ class ChartsViewModel: ObservableObject {
     @Published var volatilityData: [(date: Date, volatility: Double)] = []
     @Published var predictionData: [Prediction] = []
     @Published var allocationEvolutionData: [(date: Date, category: String, percentage: Double, color: String)] = []
+    @Published var yearOverYearData: [YearSeries] = []
+
+    struct YearSeries: Identifiable {
+        let id: Int  // year
+        let year: Int
+        let values: [Decimal]  // one value per month (Jan=0, Dec=11), 0 if no data
+    }
 
     @Published var isLoading = false
     @Published var showingPaywall = false
@@ -280,6 +291,8 @@ class ChartsViewModel: ObservableObject {
         switch chartType {
         case .evolution, .performance:
             return [.all, .yearToDate, .year, .quarter]
+        case .yearOverYear:
+            return []  // No time range filter for YoY — always uses all data
         default:
             return [.month, .quarter, .halfYear, .year, .all]
         }
@@ -368,6 +381,8 @@ class ChartsViewModel: ObservableObject {
             calculateVolatilityData(from: completedSnapshots)
         case .prediction:
             calculatePredictionData(from: completedSnapshots)
+        case .yearOverYear:
+            calculateYearOverYearData(from: completedSnapshots)
         }
 
         if let selected = selectedCategory,
@@ -955,6 +970,57 @@ class ChartsViewModel: ObservableObject {
         predictionData = result.predictions
     }
 
+    private func calculateYearOverYearData(from snapshots: [Snapshot]) {
+        guard !snapshots.isEmpty else {
+            yearOverYearData = []
+            return
+        }
+
+        // Build all monthly totals (no time range filter for YoY)
+        let allSourceIds = sourceRepository.sources.filter { shouldIncludeSource($0) }.compactMap { $0.id }
+        let allSnapshots: [Snapshot]
+        if let cached = cachedSnapshots {
+            allSnapshots = cached
+        } else {
+            allSnapshots = snapshotRepository.fetchSnapshots(for: allSourceIds, months: maxHistoryMonths)
+        }
+
+        let calendar = Calendar.current
+        // group by (year, month), take latest per source
+        var byYearMonth: [Int: [Int: Decimal]] = [:]
+        var latestBySource: [UUID: Snapshot] = [:]
+
+        let sorted = allSnapshots.sorted { $0.date < $1.date }
+        for snap in sorted {
+            guard let sourceId = snap.source?.id else { continue }
+            latestBySource[sourceId] = snap
+            let year = calendar.component(.year, from: snap.date)
+            let month = calendar.component(.month, from: snap.date)  // 1-based
+            let total = latestBySource.values.reduce(Decimal.zero) { $0 + $1.decimalValue }
+            byYearMonth[year, default: [:]][month] = total
+        }
+
+        let years = byYearMonth.keys.sorted()
+        guard !years.isEmpty else {
+            yearOverYearData = []
+            return
+        }
+
+        // Forward-fill within each year: carry previous month if no data
+        yearOverYearData = years.map { year in
+            var values = [Decimal](repeating: .zero, count: 12)
+            var last: Decimal = .zero
+            for monthIdx in 0..<12 {
+                let month = monthIdx + 1
+                if let v = byYearMonth[year]?[month] {
+                    last = v
+                }
+                values[monthIdx] = last
+            }
+            return YearSeries(id: year, year: year, values: values)
+        }
+    }
+
     private func monthlyTotals(from snapshots: [Snapshot]) -> [(date: Date, totalValue: Decimal)] {
         let groupedByMonth = Dictionary(grouping: snapshots) { snapshot -> Date in
             chartMonthStart(for: snapshot.date)