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/*
* Copyright 2017 Lukáš Petrovický
*
* Licensed under the Apache License, Version 2.0 (the "License");
* you may not use this file except in compliance with the License.
* You may obtain a copy of the License at
*
* http://www.apache.org/licenses/LICENSE-2.0
*
* Unless required by applicable law or agreed to in writing, software
* distributed under the License is distributed on an "AS IS" BASIS,
* WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
* See the License for the specific language governing permissions and
* limitations under the License.
*/
package com.github.triceo.robozonky.app.investing;
import java.math.BigDecimal;
import java.math.RoundingMode;
import java.time.temporal.TemporalAmount;
import java.util.Collection;
import java.util.Collections;
import java.util.List;
import java.util.Map;
import java.util.Optional;
import java.util.stream.Collectors;
import java.util.stream.Stream;
import com.github.triceo.robozonky.api.notifications.InvestmentDelegatedEvent;
import com.github.triceo.robozonky.api.notifications.InvestmentMadeEvent;
import com.github.triceo.robozonky.api.notifications.InvestmentRejectedEvent;
import com.github.triceo.robozonky.api.notifications.InvestmentRequestedEvent;
import com.github.triceo.robozonky.api.notifications.LoanRecommendedEvent;
import com.github.triceo.robozonky.api.notifications.StrategyCompletedEvent;
import com.github.triceo.robozonky.api.notifications.StrategyStartedEvent;
import com.github.triceo.robozonky.api.remote.ZonkyApi;
import com.github.triceo.robozonky.api.remote.entities.BlockedAmount;
import com.github.triceo.robozonky.api.remote.entities.Investment;
import com.github.triceo.robozonky.api.remote.entities.Loan;
import com.github.triceo.robozonky.api.remote.entities.Statistics;
import com.github.triceo.robozonky.api.strategies.InvestmentStrategy;
import com.github.triceo.robozonky.api.strategies.LoanDescriptor;
import com.github.triceo.robozonky.api.strategies.PortfolioOverview;
import com.github.triceo.robozonky.api.strategies.Recommendation;
import com.github.triceo.robozonky.app.Events;
import com.github.triceo.robozonky.internal.api.Defaults;
import com.github.triceo.robozonky.internal.api.Retriever;
import org.slf4j.Logger;
import org.slf4j.LoggerFactory;
/**
* Controls the investments based on the strategy, user portfolio and balance.
*/
class Investor {
private static final Logger LOGGER = LoggerFactory.getLogger(Investor.class);
/**
* The core investing call. Receives a particular loan, checks if the user has enough money to invest, and sends the
* command to the Zonky API.
*
* @param recommendation Recommendation to invest.
* @param api API to invest through.
* @param tracker Status of the investing session.
* @return Present if input valid and operation succeeded, empty otherwise.
*/
static Optional actuallyInvest(final Recommendation recommendation, final ZonkyProxy api,
final InvestmentTracker tracker) {
final int amount = recommendation.getRecommendedInvestmentAmount();
final int loanId = recommendation.getLoanDescriptor().getLoan().getId();
final BigDecimal balance = tracker.getCurrentBalance();
if (balance.compareTo(BigDecimal.valueOf(amount)) < 0) { // strategy should not allow this
Investor.LOGGER.info("Not investing into loan #{}, {} CZK to invest is more than {} CZK balance.", loanId,
amount, balance);
return Optional.empty();
}
Events.fire(new InvestmentRequestedEvent(recommendation));
final ZonkyResponse response = api.invest(recommendation, tracker.isSeenBefore(loanId));
Investor.LOGGER.debug("Response for loan {}: {}.", loanId, response);
final String providerId = api.getConfirmationProviderId().orElse("-");
switch (response.getType()) {
case REJECTED:
Events.fire(new InvestmentRejectedEvent(recommendation, balance.intValue(), providerId));
tracker.discardLoan(loanId);
return Optional.empty();
case DELEGATED:
Events.fire(new InvestmentDelegatedEvent(recommendation, balance.intValue(), providerId));
if (recommendation.isConfirmationRequired()) {
// confirmation required, delegation successful => forget
tracker.discardLoan(loanId);
} else {
// confirmation not required, delegation successful => make available for direct investment later
tracker.ignoreLoan(loanId);
}
return Optional.empty();
case INVESTED:
final int confirmedAmount = response.getConfirmedAmount().getAsInt();
final Investment i = new Investment(recommendation.getLoanDescriptor().getLoan(), confirmedAmount);
Events.fire(new InvestmentMadeEvent(i, balance.intValue() - confirmedAmount));
tracker.makeInvestment(i);
return Optional.of(i);
case SEEN_BEFORE:
return Optional.empty();
default:
throw new IllegalStateException("Not possible. ");
}
}
/**
* Blocked amounts represent loans in various stages. Either the user has invested and the loan has not yet been
* funded to 100 % ("na tržišti"), or the user invested and the loan has been funded ("na cestě"). In the latter
* case, the loan has already disappeared from the marketplace, which means that it will not be available for
* investing any more. As far as I know, the next stage is "v pořádku", the blocked amount is cleared and the loan
* becomes an active investment.
*
* Based on that, this method deals with the first case - when the loan is still available for investing, but we've
* already invested as evidenced by the blocked amount. It also unnecessarily deals with the second case, since
* that is represented by a blocked amount as well. But that does no harm.
*
* In case user has made repeated investments into a particular loan, this will show up as multiple blocked amounts.
* The method needs to handle this as well.
*
* @param api Authenticated API that will be used to retrieve the user's blocked amounts from the wallet.
* @return Every blocked amount represents a future investment. This method returns such investments.
*/
static List retrieveInvestmentsRepresentedByBlockedAmounts(final ZonkyProxy api) {
// first group all blocked amounts by the loan ID and sum them
final Map amountsBlockedByLoans =
api.execute(zonky -> zonky.getBlockedAmounts(Integer.MAX_VALUE, 0))
.stream()
.filter(blocked -> blocked.getLoanId() > 0) // 0 == Zonky investors' fee
.collect(Collectors.groupingBy(BlockedAmount::getLoanId,
Collectors.summingInt(BlockedAmount::getAmount)));
// and then fetch all the loans in parallel, converting them into investments
return Collections.unmodifiableList(amountsBlockedByLoans.entrySet().parallelStream()
.map(entry ->
Retriever.retrieve(() -> Optional.of(api.execute((zonky) -> zonky.getLoan(entry.getKey()))))
.map(l -> new Investment(l, entry.getValue()))
.orElseThrow(() -> new RuntimeException("Loan retrieval failed."))
).collect(Collectors.toList()));
}
/**
* Zonky API may return {@link ZonkyApi#getStatistics()} as null if the account has no previous investments.
*
* @param api API to execute the operation.
* @return Either what the API returns, or an empty object.
*/
private static Statistics retrieveStatistics(final ZonkyProxy api) {
final Statistics returned = api.execute(ZonkyApi::getStatistics);
return returned == null ? new Statistics() : returned;
}
private final ZonkyProxy api;
private BigDecimal balance;
/**
* Standard constructor.
* @param api Authenticated API ready to communicate with the server.
* @param initialBalance How much available cash the user has in their wallet.
*/
public Investor(final ZonkyProxy api, final BigDecimal initialBalance) {
this.api = api;
this.balance = initialBalance;
Investor.LOGGER.info("Starting account balance: {} CZK.", this.balance);
}
/**
* One of the two entry points to the investment API. This takes the strategy, determines suitable loans, and tries
* to invest in as many of them as the balance allows.
*
* @param strategy The investment strategy to use.
* @param loans Loans that are available on the marketplace.
* @return Investments made in the session.
*/
public Collection invest(final InvestmentStrategy strategy, final Collection loans) {
// make sure we have enough money to invest
final BigDecimal minimumInvestmentAmount = BigDecimal.valueOf(Defaults.MINIMUM_INVESTMENT_IN_CZK);
if (balance.compareTo(minimumInvestmentAmount) < 0) {
return Collections.emptyList(); // no need to do anything else
}
// read our investment statistics
final Statistics stats = Investor.retrieveStatistics(this.api);
Investor.LOGGER.debug("The sum total of principal remaining on active loans: {} CZK.",
stats.getCurrentOverview().getPrincipalLeft());
// figure out which loans we can still put money into
final InvestmentTracker tracker = new InvestmentTracker(loans, this.balance);
tracker.registerExistingInvestments(Investor.retrieveInvestmentsRepresentedByBlockedAmounts(this.api));
// invest the money
this.runInvestmentLoop(strategy, tracker, stats, minimumInvestmentAmount);
return tracker.getInvestmentsMade();
}
private void runInvestmentLoop(final InvestmentStrategy strategy, final InvestmentTracker tracker,
final Statistics stats, final BigDecimal minimumInvestmentAmount) {
Investor.LOGGER.debug("The following available loans have not yet been invested into: {}.",
tracker.getAvailableLoans().stream()
.map(l -> String.valueOf(l.getLoan().getId()))
.sorted()
.collect(Collectors.joining(", ")));
PortfolioOverview portfolio =
PortfolioOverview.calculate(tracker.getCurrentBalance(), stats, tracker.getAllInvestments());
Events.fire(new StrategyStartedEvent(strategy, tracker.getAvailableLoans(), portfolio));
do {
Investor.LOGGER.debug("Current share of unpaid loans with a given rating: {}.",
portfolio.getSharesOnInvestment());
final boolean investmentWasMade = strategy.recommend(tracker.getAvailableLoans(), portfolio).stream()
.peek(r -> Events.fire(new LoanRecommendedEvent(r)))
.map(r -> Investor.actuallyInvest(r, this.api, tracker))
.flatMap(o -> o.map(Stream::of).orElse(Stream.empty()))
.findFirst()
.isPresent();
if (!investmentWasMade) { // there is nothing to invest into; RoboZonky is finished now
break;
}
portfolio = PortfolioOverview.calculate(tracker.getCurrentBalance(), stats, tracker.getAllInvestments());
} while (tracker.getCurrentBalance().compareTo(minimumInvestmentAmount) >= 0);
Events.fire(new StrategyCompletedEvent(strategy, tracker.getInvestmentsMade(), portfolio));
// report
this.balance = tracker.getCurrentBalance();
Investor.LOGGER.info("Current value of portfolio is {} CZK, annual expected yield is {} % ({} CZK).",
portfolio.getCzkAvailable() + portfolio.getCzkInvested(),
portfolio.getRelativeExpectedYield().scaleByPowerOfTen(2).setScale(2, RoundingMode.HALF_EVEN),
portfolio.getCzkExpectedYield());
}
/**
* One of the two entry points to the investment API. Takes a particular loan and invests a given amount into it.
*
* @param loanId ID of the loan that should be invested into.
* @param loanAmount Amount in CZK to be invested.
* @param captchaDuration How long does it take for captcha on a fresh loan to expire.
* @return Present if investment succeeded, empty otherwise.
*/
public Optional invest(final int loanId, final int loanAmount, final TemporalAmount captchaDuration) {
final Loan l = api.execute(zonky -> zonky.getLoan(loanId));
final Optional r = new LoanDescriptor(l, captchaDuration).recommend(loanAmount, false);
final InvestmentTracker t = new InvestmentTracker(Collections.emptyList(), this.balance);
final Optional result = r.map(r2 -> Investor.actuallyInvest(r2, this.api, t))
.orElse(Optional.empty());
this.balance = t.getCurrentBalance();
return result;
}
public BigDecimal getBalance() {
return balance;
}
}
