investiment.py

import numpy as np

def investment_value(principal, rate, time, n, dividends, reinvest_dividends, brokerage_fee, investment_fee):
    if reinvest_dividends:
        # Calculate dividend reinvestment
        for t in range(time):
            # Calculate interest with compound
            principal = principal * (1 + rate / n) ** n

            # Calculate and reinvest dividends
            dividend_income = principal * dividends
            dividend_income_minus_fees = dividend_income - brokerage_fee - investment_fee
            if dividend_income_minus_fees > 0:
                principal += dividend_income_minus_fees
    else:
        # Calculate interest with compound
        principal = principal * (1 + rate / n) ** (n * time)

        # Calculate and distribute dividends
        total_dividends = principal * dividends * time
        total_fees = (brokerage_fee + investment_fee) * time
        principal += total_dividends - total_fees

    return principal

# Parameters
principal = 10000  # Initial investment
rate = 0.07  # Annual interest rate (as a decimal)
time = 10  # Number of years
n = 1  # Number of times interest is compounded per year
dividends = 0.02  # Annual dividend yield (as a decimal)
reinvest_dividends = True  # Set to True to reinvest dividends, False to distribute
brokerage_fee = 10  # Brokerage fee per dividend reinvestment or distribution
investment_fee = 5  # Investment fee per dividend reinvestment or distribution

final_value = investment_value(principal, rate, time, n, dividends, reinvest_dividends, brokerage_fee, investment_fee)
print(f"Final investment value: ${final_value:,.2f}")