Skip to content

Instantly share code, notes, and snippets.

@cameron

cameron/models.py

Last active June 6, 2017 17:47
Show Gist options
  • Star 0 You must be signed in to star a gist
  • Fork 0 You must be signed in to fork a gist
  • Save cameron/c49c254eab633a2bf2636969d561ce4b to your computer and use it in GitHub Desktop.
Save cameron/c49c254eab633a2bf2636969d561ce4b to your computer and use it in GitHub Desktop.
Download ZIP
401k -> real estate investment paths: early withdrawal and self-directed (self-directed wins by 50%)
Raw
models.py
CAPITAL = 100000
REAL_ESTATE_RETURN_RATE = .1 / 12
INCOME_TAX = .28
EARLY_WITHDRAWAL_PENALTY = .1
LONG_TERM_CAPITAL_GAINS_TAX = .2
PERIODS = 30*12
# early withdrawal
investment = CAPITAL * (1 - (EARLY_WITHDRAWAL_PENALTY + INCOME_TAX))
for _ in range(PERIODS):
investment = investment * (1 + REAL_ESTATE_RETURN_RATE)
capital = int(investment * (1 - LONG_TERM_CAPITAL_GAINS_TAX))
print(capital)
# 401k
investment = CAPITAL
for _ in range(PERIODS):
investment = investment * (1 + REAL_ESTATE_RETURN_RATE)
capital = int(investment * (1 - INCOME_TAX))
print(capital)
#
Sign up for free to join this conversation on GitHub. Already have an account? Sign in to comment