292 lines
12 KiB
Python
292 lines
12 KiB
Python
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"""
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Tests for pension account models, service, and API endpoints.
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"""
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import pytest
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from decimal import Decimal
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from unittest.mock import patch
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from app.services.pension_allocation import (
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calculate_current_age,
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calculate_years_to_retirement,
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calculate_glide_path,
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calculate_allocation,
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get_recommendation,
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RISKY_ASSET_LIMIT_PCT,
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SAFE_ASSET_MIN_PCT,
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)
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# --- Service unit tests ---
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class TestPensionAllocationService:
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def test_calculate_current_age(self):
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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assert calculate_current_age(1990) == 36
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assert calculate_current_age(1966) == 60
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def test_calculate_years_to_retirement(self):
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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assert calculate_years_to_retirement(1990, 60) == 24
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assert calculate_years_to_retirement(1966, 60) == 0
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assert calculate_years_to_retirement(1960, 60) == 0 # already past
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def test_glide_path_young_person(self):
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"""Young person (30) should have high equity allocation."""
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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equity_pct, bond_pct = calculate_glide_path(1996, 60)
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assert equity_pct + bond_pct == Decimal("100.00")
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assert equity_pct >= Decimal("60") # young = high equity
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def test_glide_path_near_retirement(self):
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"""Person near retirement (55) should have low equity allocation."""
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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equity_pct, bond_pct = calculate_glide_path(1971, 60)
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assert equity_pct + bond_pct == Decimal("100.00")
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assert equity_pct <= Decimal("40") # near retirement = low equity
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def test_glide_path_respects_regulatory_limit(self):
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"""Equity allocation should never exceed 70% (regulatory limit)."""
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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equity_pct, _ = calculate_glide_path(2000, 60)
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assert equity_pct <= RISKY_ASSET_LIMIT_PCT
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def test_glide_path_minimum_equity(self):
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"""Equity allocation should not go below 20% (minimum)."""
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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equity_pct, _ = calculate_glide_path(1960, 60)
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assert equity_pct >= Decimal("20")
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def test_calculate_allocation(self):
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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result = calculate_allocation(
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account_id=1,
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account_type="dc",
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total_amount=Decimal("10000000"),
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birth_year=1990,
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target_retirement_age=60,
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)
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assert result.account_id == 1
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assert result.account_type == "dc"
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assert result.total_amount == 10000000
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assert result.risky_limit_pct == 70
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assert result.safe_min_pct == 30
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assert len(result.allocations) == 5 # 2 risky + 3 safe
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# Verify risky assets don't exceed limit
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risky_ratio = sum(a.ratio for a in result.allocations if a.asset_type == "risky")
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assert risky_ratio <= 70
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# Verify total amounts sum to total_amount
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total_allocated = sum(a.amount for a in result.allocations)
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assert abs(total_allocated - 10000000) < 1 # allow small rounding
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def test_calculate_allocation_types(self):
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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result = calculate_allocation(
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account_id=1,
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account_type="irp",
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total_amount=Decimal("5000000"),
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birth_year=1985,
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target_retirement_age=60,
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)
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risky = [a for a in result.allocations if a.asset_type == "risky"]
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safe = [a for a in result.allocations if a.asset_type == "safe"]
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assert len(risky) == 2
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assert len(safe) == 3
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# Safe includes TDF, bond ETF, deposit
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safe_names = [a.asset_name for a in safe]
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assert any("TDF" in n for n in safe_names)
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assert any("채권" in n for n in safe_names)
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assert any("예금" in n for n in safe_names)
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def test_get_recommendation(self):
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with patch("app.services.pension_allocation.date") as mock_date:
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mock_date.today.return_value.year = 2026
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result = get_recommendation(
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account_id=1,
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birth_year=1990,
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target_retirement_age=60,
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)
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assert result.account_id == 1
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assert result.birth_year == 1990
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assert result.current_age == 36
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assert result.years_to_retirement == 24
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assert len(result.recommendations) == 5
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categories = [r.category for r in result.recommendations]
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assert "tdf" in categories
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assert "bond_etf" in categories
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assert "deposit" in categories
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assert "equity_etf" in categories
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# All recommendations have reasons
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for rec in result.recommendations:
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assert rec.reason
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# --- API endpoint tests ---
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class TestPensionAPI:
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def _create_account(self, client, auth_headers, **overrides):
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payload = {
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"account_type": "dc",
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"account_name": "삼성생명 DC",
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"total_amount": 10000000,
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"birth_year": 1990,
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"target_retirement_age": 60,
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**overrides,
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}
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return client.post("/api/pension/accounts", headers=auth_headers, json=payload)
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def test_create_account(self, client, auth_headers):
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response = self._create_account(client, auth_headers)
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assert response.status_code == 201
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data = response.json()
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assert data["account_type"] == "dc"
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assert data["account_name"] == "삼성생명 DC"
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assert data["total_amount"] == 10000000
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assert data["birth_year"] == 1990
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assert data["target_retirement_age"] == 60
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assert data["holdings"] == []
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def test_create_account_irp(self, client, auth_headers):
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response = self._create_account(
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client, auth_headers,
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account_type="irp",
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account_name="NH IRP",
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)
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assert response.status_code == 201
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assert response.json()["account_type"] == "irp"
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def test_list_accounts(self, client, auth_headers):
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self._create_account(client, auth_headers, account_name="DC 1호")
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self._create_account(client, auth_headers, account_name="IRP", account_type="irp")
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response = client.get("/api/pension/accounts", headers=auth_headers)
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assert response.status_code == 200
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data = response.json()
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assert len(data) == 2
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def test_get_account(self, client, auth_headers):
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create_resp = self._create_account(client, auth_headers)
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account_id = create_resp.json()["id"]
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response = client.get(f"/api/pension/accounts/{account_id}", headers=auth_headers)
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assert response.status_code == 200
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assert response.json()["id"] == account_id
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def test_get_account_not_found(self, client, auth_headers):
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response = client.get("/api/pension/accounts/9999", headers=auth_headers)
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assert response.status_code == 404
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def test_update_account(self, client, auth_headers):
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create_resp = self._create_account(client, auth_headers)
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account_id = create_resp.json()["id"]
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response = client.put(
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f"/api/pension/accounts/{account_id}",
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headers=auth_headers,
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json={"account_name": "변경된 계좌명", "total_amount": 20000000},
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)
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assert response.status_code == 200
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data = response.json()
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assert data["account_name"] == "변경된 계좌명"
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assert data["total_amount"] == 20000000
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def test_allocate_assets(self, client, auth_headers):
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create_resp = self._create_account(client, auth_headers)
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account_id = create_resp.json()["id"]
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response = client.post(
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f"/api/pension/accounts/{account_id}/allocate",
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headers=auth_headers,
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)
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assert response.status_code == 200
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data = response.json()
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assert data["account_id"] == account_id
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assert data["risky_limit_pct"] == 70
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assert data["safe_min_pct"] == 30
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assert len(data["allocations"]) == 5
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# Verify risky ratio <= 70%
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risky_ratio = sum(a["ratio"] for a in data["allocations"] if a["asset_type"] == "risky")
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assert risky_ratio <= 70
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# Verify holdings were saved
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account_resp = client.get(f"/api/pension/accounts/{account_id}", headers=auth_headers)
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assert len(account_resp.json()["holdings"]) == 5
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def test_allocate_replaces_previous_holdings(self, client, auth_headers):
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create_resp = self._create_account(client, auth_headers)
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account_id = create_resp.json()["id"]
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# Allocate twice
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client.post(f"/api/pension/accounts/{account_id}/allocate", headers=auth_headers)
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client.post(f"/api/pension/accounts/{account_id}/allocate", headers=auth_headers)
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# Should still have 5 holdings (replaced, not duplicated)
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account_resp = client.get(f"/api/pension/accounts/{account_id}", headers=auth_headers)
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assert len(account_resp.json()["holdings"]) == 5
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def test_get_recommendation(self, client, auth_headers):
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create_resp = self._create_account(client, auth_headers)
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account_id = create_resp.json()["id"]
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response = client.get(
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f"/api/pension/accounts/{account_id}/recommendation",
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headers=auth_headers,
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)
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assert response.status_code == 200
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data = response.json()
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assert data["account_id"] == account_id
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assert data["birth_year"] == 1990
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assert len(data["recommendations"]) == 5
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# Verify recommendation categories
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categories = [r["category"] for r in data["recommendations"]]
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assert "tdf" in categories
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assert "bond_etf" in categories
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assert "deposit" in categories
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assert "equity_etf" in categories
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# All recommendations have reasons
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for rec in data["recommendations"]:
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assert rec["reason"]
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assert rec["asset_name"]
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def test_unauthenticated_access(self, client):
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response = client.get("/api/pension/accounts")
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assert response.status_code == 401
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def test_user_isolation(self, client, auth_headers, db):
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"""User can only see their own pension accounts."""
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from app.models.user import User
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from app.core.security import get_password_hash, create_access_token
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other_user = User(
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username="otheruser",
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email="other@example.com",
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hashed_password=get_password_hash("password"),
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)
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db.add(other_user)
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db.commit()
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db.refresh(other_user)
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other_token = create_access_token(data={"sub": other_user.username})
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other_headers = {"Authorization": f"Bearer {other_token}"}
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self._create_account(client, other_headers, account_name="다른 사용자 계좌")
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# Current user should see 0 accounts
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response = client.get("/api/pension/accounts", headers=auth_headers)
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assert response.status_code == 200
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assert len(response.json()) == 0
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