40:null 41:["$","title",null,{"children":"Where to put your money to work | Vanya Prokopovich's Workspace | Observable"}] 47:[] 45:{"id":"c9ddd45c0dc8fb3c","slug":null,"title":"Where to put your money to work","thumbnail":"080534e4408f8bbd6fb2467bbf49190f360f569de3c6b5405116727c96ec7cce","access_level":"public","create_time":"$D2023-12-15T22:43:26.408Z","update_time":"$D2023-12-17T20:07:01.035Z","view_time":null,"first_public_time":"$D2023-12-15T22:43:26.408Z","has_unpublished_edits":null,"fork":false,"stars":0,"starred":false,"owner":{"type":"team","id":"37b8270fef17d531","login":"vanya-prokopovich-ws","name":"Vanya Prokopovich's Workspace","avatar_url":"https://avatars-next.observableusercontent.com/9714c75cec2936717048dd309ac9712151e6e701a0f84b1a656a92485a606448","tier":"starter_2024","bio":"","following":false},"version":506,"publish_version":null,"role":null,"authored":false,"authors":[{"type":"individual","id":"21ecd0b9c9af973d","login":"vanya-prokopovich","name":"Vanya Prokopovich","avatar_url":"https://avatars-next.observableusercontent.com/ecf2a95a015425a23502b217ccc35fbf1b476c3cca8036e73d20811c13e206d3","tier":null,"bio":"","following":false}],"members":[{"type":"individual","id":"21ecd0b9c9af973d","login":"vanya-prokopovich","name":"Vanya Prokopovich","avatar_url":"https://avatars-next.observableusercontent.com/ecf2a95a015425a23502b217ccc35fbf1b476c3cca8036e73d20811c13e206d3","tier":null,"role":"editor"},{"type":"team","id":"37b8270fef17d531","login":"vanya-prokopovich-ws","name":"Vanya Prokopovich's Workspace","avatar_url":"https://avatars-next.observableusercontent.com/9714c75cec2936717048dd309ac9712151e6e701a0f84b1a656a92485a606448","tier":"starter_2024","role":"editor"}],"comments":[],"custom_thumbnail":false,"trashed":false,"lapsed":null,"subscribed":null,"forks":0,"collection":null,"type":"notebook","body":{"titling":"auto","title":"Where to put your money to work","cells":[{"id":0,"value":"# Where to put your money to work","pinned":false,"hidden":false,"mode":"md","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"","database":"$undefined"},{"id":35,"value":"Question: how much more will you have if you move money into robinhood for 3 month","pinned":false,"hidden":false,"mode":"md","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"","database":"$undefined"},{"id":5,"value":"viewof totalCash = Inputs.range([1000, 100000], {\n label: \"Cash\",\n step: 1,\n value: defaults.totalCash\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":27,"value":"viewof holdingTimeMonths = Inputs.range([0, 100], {\n label: \"Holding Time (month)\",\n step: 1,\n value: defaults.holdingTimeMonths\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":301,"value":"viewof lostDaysOfTrading = Inputs.number({\n label: \"Lost Trading Days (due to transfers)\",\n value: defaults.lostDaysOfTrading\n})","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":258,"value":"htl.html`${htmlStats}`","pinned":false,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":501,"value":"Plot.plot({\n marks: [\n Plot.auto(chartData, {x: \"wealthfrontTotal\", y: \"robinhoodTotal\"})\n ]\n})","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"","database":"$undefined"},{"id":506,"value":"Plot.plot({\n marks: [\n Plot.lineY(chartData, {\n x: \"wealthfrontTotal\",\n y: \"robinhoodTotal\",\n tip: true\n })\n ]\n})","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":498,"value":"chartData","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"","database":"$undefined"},{"id":493,"value":"Plot.plot({\n marginLeft: 64,\n marginRight: 0,\n x: {},\n y: {},\n marks: [\n Plot.lineY(chartData, {\n x: \"month\",\n y: \"robinhoodTotal\",\n tip: true,\n color: \"lime\"\n }),\n Plot.lineY(chartData, {\n x: \"month\",\n y: \"wealthfrontTotal\",\n tip: true,\n color: \"purple\"\n })\n ]\n})","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":7,"value":"defaults = ({\n totalCash: 40000,\n holdingTimeMonths: 3,\n lostDaysOfTrading: 5,\n robinHoodAPY: 5.5 / 100,\n weathFrontAPY: 5 / 100,\n robinhoodMonthlyFee: 5\n})","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":224,"value":"calculateInterest = ({ timeInYears, interest, cashIn }) => {\n // assuming componding monthly which is why it componds 12 times per year\n const total = cashIn * Math.pow(1 + interest / 12, 12 * timeInYears);\n return total;\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":71,"value":"getInterestStats = ({\n timeInDays,\n interest,\n cashIn,\n monthlyFee = 0,\n daysLostTransferring = 0\n}) => {\n const actualDays = timeInDays - daysLostTransferring;\n const actualTimeInYears = actualDays / 365;\n const total = calculateInterest({\n timeInYears: actualTimeInYears,\n interest,\n cashIn\n });\n const gain = total - cashIn;\n const monthlyAverageGain = (gain / actualDays) * 30;\n return {\n total,\n gain,\n monthlyAverageGain,\n actualDays,\n daysLostTransferring,\n f: {\n total: toDollarString(total),\n gain: toDollarString(gain),\n monthly: toDollarString(monthlyAverageGain)\n }\n };\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":129,"value":"toDollarString = (cash) => `$${cash.toFixed(2)}`","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":171,"value":"wealthFrontStats = getWealthfrontStats(holdingTimeMonths)","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":174,"value":"robinHoodStats = getRobinhooodStats(holdingTimeMonths)","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":338,"value":"getRobinhooodStats = (month) =>\n getInterestStats({\n timeInDays: month * 30,\n interest: defaults.robinHoodAPY,\n cashIn: totalCash,\n monthlyFee: defaults.robinhoodMonthlyFee,\n daysLostTransferring: 5\n })","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":343,"value":"getWealthfrontStats = (months) => getInterestStats({\n timeInDays: months * 30,\n interest: defaults.weathFrontAPY,\n cashIn: totalCash\n})","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":332,"value":"chartData = {\n return _.range(holdingTimeMonths).map((index) => ({\n month: index,\n robinhoodTotal: getRobinhooodStats(index).total,\n wealthfrontTotal: getWealthfrontStats(index).total\n }));\n}","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":37,"value":"htmlStats = htl.html`

If you hold the money for ${holdingTimeMonths} month at wealthfront, you will gain

total of ${wealthFrontStats.f.gain}
with monthly average: ${wealthFrontStats.f.monthly}

\n\n

If you hold the money for ${holdingTimeMonths} month at Robinhood, you will gain

total of ${robinHoodStats.f.gain}
with monthly average: ${robinHoodStats.f.monthly}

\n\n

You will have ${toDollarString(\n robinHoodStats.gain - wealthFrontStats.gain\n)} more from Robinhood

`","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"},{"id":334,"value":"_ = require(\"lodash@4\")","pinned":true,"hidden":false,"mode":"ojs","author":"$undefined","summary":"$undefined","tool":"$undefined","providerMetadata":"$undefined","attachments":"$undefined","output":"$undefined","database":"$undefined"}],"files":"$W47","stdlib":"1"}} 46:"$45:body"