rebalance 0.0.1

data/lib/rebalance/target.rb

@@ -0,0 +1,84 @@
+module Rebalance
+  class Target
+    attr_accessor :asset_classes
+
+    def initialize(&block)
+      self.asset_classes = {}
+      instance_eval &block
+    end
+
+    def asset_class(percentage, asset_class)
+      self.asset_classes[asset_class] = percentage
+    end
+
+    def calculate_target_asset_class_values(*accounts)
+      total_value = total_value_of_all_accounts(*accounts)
+
+      target_values = {}
+      asset_classes.each do |asset_class, percentage|
+        target_values[asset_class] = (total_value * (percentage.to_f/100)).round(2)
+      end
+      target_values
+    end
+
+    def calculate_target_asset_class_percentages(*accounts)
+      target_percentages = {}
+      target_values = calculate_target_asset_class_values(*accounts)
+      total_value = total_value_of_all_accounts(*accounts)
+
+      target_values.each do |asset_class, asset_class_value|
+        target_percentages[asset_class] = ((asset_class_value / total_value)*100).round(4)
+      end
+      target_percentages
+    end
+
+    def calculate_current_asset_class_values(*accounts)
+      current_values = {}
+      accounts.each do |account|
+        account.funds.each do |symbol, fund|
+          current_values[fund.asset_class] = 0 if current_values[fund.asset_class].nil?
+          current_values[fund.asset_class] += fund.value
+        end
+      end
+      current_values
+    end
+
+    def calculate_current_asset_class_percentages(*accounts)
+      current_percentages = {}
+      current_values = calculate_current_asset_class_values(*accounts)
+      total_value = total_value_of_all_accounts(*accounts)
+
+      current_values.each do |asset_class, asset_class_value|
+        current_percentages[asset_class] = ((asset_class_value / total_value)*100).round(4)
+      end
+      current_percentages
+    end
+
+    def total_value_of_all_accounts(*accounts)
+      value = 0
+      accounts.each do |account|
+        value += account.total_value
+      end
+      value
+    end
+
+    # get each account's asset class percentage breakdown in relation
+    # to all the accounts
+    def asset_class_percentages_across_all_accounts(*accounts)
+      total_value_of_all_accounts = total_value_of_all_accounts(*accounts)
+      account_percentages = {}
+
+      accounts.each do |account|
+        account.funds.each do |symbol, fund|
+          asset_class_total = 0
+          account.find_by_asset_class(fund.asset_class).each do |asset_class_fund|
+            asset_class_total += asset_class_fund.value
+          end
+          account_percentages[account.name] = {} if account_percentages[account.name].nil?
+          account_percentages[account.name][fund.asset_class] = ((asset_class_total / total_value_of_all_accounts) * 100).round(4)
+        end
+      end
+      account_percentages
+    end
+  end
+end

data/lib/rebalance/version.rb

@@ -0,0 +1,3 @@
+module Rebalance
+  VERSION = "0.0.1"
+end

data/rebalance.gemspec

@@ -0,0 +1,26 @@
+# -*- encoding: utf-8 -*-
+$:.push File.expand_path("../lib", __FILE__)
+require "rebalance/version"
+
+Gem::Specification.new do |s|
+  s.name        = "rebalance"
+  s.version     = Rebalance::VERSION
+  s.platform    = Gem::Platform::RUBY
+  s.authors     = ["Bryce Thornton"]
+  s.email       = ["brycethornton@gmail.com"]
+  s.homepage    = ""
+  s.summary     = %q{Target asset allocation rebalancer}
+  s.description = %q{Rebalances mutual fund accounts to match your target asset allocation}
+
+  s.add_dependency "ruport"
+  s.add_dependency "json"
+  s.add_development_dependency "vcr"
+  s.add_development_dependency "webmock"
+
+  s.rubyforge_project = "rebalance"
+
+  s.files         = `git ls-files`.split("\n")
+  s.test_files    = `git ls-files -- {test,spec,features}/*`.split("\n")
+  s.executables   = `git ls-files -- bin/*`.split("\n").map{ |f| File.basename(f) }
+  s.require_paths = ["lib"]
+end

data/spec/cassettes/price_lookup_for_98765.yml

@@ -0,0 +1,40 @@
+---
+- !ruby/struct:VCR::HTTPInteraction
+  request: !ruby/struct:VCR::Request
+    method: :get
+    uri: http://query.yahooapis.com:80/v1/public/yql?env=store://datatables.org/alltableswithkeys&format=json&q=select%20*%20from%20yahoo.finance.quotes%20where%20symbol%20in%20(%2298765%22)
+    body: 
+    headers: 
+  response: !ruby/struct:VCR::Response
+    status: !ruby/struct:VCR::ResponseStatus
+      code: 200
+      message: OK
+    headers:
+      access-control-allow-origin:
+      - ! '*'
+      cache-control:
+      - no-cache
+      content-type:
+      - application/json;charset=utf-8
+      vary:
+      - Accept-Encoding
+      date:
+      - Sun, 11 Dec 2011 23:18:49 GMT
+      server:
+      - YTS/1.20.7
+      age:
+      - '1'
+      transfer-encoding:
+      - chunked
+      connection:
+      - keep-alive
+    body: ! '{"query":{"count":1,"created":"2011-12-11T23:18:50Z","lang":"en-US","results":{"quote":{"symbol":"98765","Ask":null,"AverageDailyVolume":"0","Bid":null,"AskRealtime":null,"BidRealtime":null,"BookValue":null,"Change_PercentChange":"N/A
+      - N/A","Change":null,"Commission":null,"ChangeRealtime":"0.00","AfterHoursChangeRealtime":"N/A
+      - N/A","DividendShare":null,"LastTradeDate":null,"TradeDate":null,"EarningsShare":null,"ErrorIndicationreturnedforsymbolchangedinvalid":"No
+      such ticker symbol. <a href=/l>Try Symbol Lookup</a> (Look up: <a href=/l?s=98765>98765</a>)","EPSEstimateCurrentYear":null,"EPSEstimateNextYear":null,"EPSEstimateNextQuarter":null,"DaysLow":null,"DaysHigh":null,"YearLow":null,"YearHigh":null,"HoldingsGainPercent":"-","AnnualizedGain":null,"HoldingsGain":null,"HoldingsGainPercentRealtime":"N/A
+      - N/A","HoldingsGainRealtime":null,"MoreInfo":null,"OrderBookRealtime":null,"MarketCapitalization":null,"MarketCapRealtime":null,"EBITDA":null,"ChangeFromYearLow":null,"PercentChangeFromYearLow":null,"LastTradeRealtimeWithTime":"N/A
+      - <b>0.00</b>","ChangePercentRealtime":"N/A - 0.00%","ChangeFromYearHigh":null,"PercebtChangeFromYearHigh":null,"LastTradeWithTime":"N/A
+      - <b>0.00</b>","LastTradePriceOnly":"0.00","HighLimit":null,"LowLimit":null,"DaysRange":"N/A
+      - N/A","DaysRangeRealtime":"N/A - N/A","FiftydayMovingAverage":null,"TwoHundreddayMovingAverage":null,"ChangeFromTwoHundreddayMovingAverage":null,"PercentChangeFromTwoHundreddayMovingAverage":null,"ChangeFromFiftydayMovingAverage":null,"PercentChangeFromFiftydayMovingAverage":null,"Name":"98765","Notes":null,"Open":null,"PreviousClose":null,"PricePaid":null,"ChangeinPercent":null,"PriceSales":null,"PriceBook":null,"ExDividendDate":null,"PERatio":null,"DividendPayDate":null,"PERatioRealtime":null,"PEGRatio":null,"PriceEPSEstimateCurrentYear":null,"PriceEPSEstimateNextYear":null,"Symbol":"98765","SharesOwned":null,"ShortRatio":null,"LastTradeTime":null,"TickerTrend":null,"OneyrTargetPrice":null,"Volume":null,"HoldingsValue":null,"HoldingsValueRealtime":null,"YearRange":"N/A
+      - N/A","DaysValueChange":"- 0.00%","DaysValueChangeRealtime":"N/A - N/A","StockExchange":null,"DividendYield":null,"PercentChange":"N/A"}}}}'
+    http_version: '1.1'

data/spec/cassettes/price_lookup_for_VISVX.yml

@@ -0,0 +1,42 @@
+---
+- !ruby/struct:VCR::HTTPInteraction
+  request: !ruby/struct:VCR::Request
+    method: :get
+    uri: http://query.yahooapis.com:80/v1/public/yql?env=store://datatables.org/alltableswithkeys&format=json&q=select%20*%20from%20yahoo.finance.quotes%20where%20symbol%20in%20(%22VISVX%22)
+    body: 
+    headers: 
+  response: !ruby/struct:VCR::Response
+    status: !ruby/struct:VCR::ResponseStatus
+      code: 200
+      message: OK
+    headers:
+      access-control-allow-origin:
+      - ! '*'
+      cache-control:
+      - no-cache
+      content-type:
+      - application/json;charset=utf-8
+      vary:
+      - Accept-Encoding
+      date:
+      - Sun, 11 Dec 2011 23:18:48 GMT
+      server:
+      - YTS/1.20.7
+      age:
+      - '1'
+      transfer-encoding:
+      - chunked
+      connection:
+      - keep-alive
+    body: ! '{"query":{"count":1,"created":"2011-12-11T23:18:49Z","lang":"en-US","results":{"quote":{"symbol":"VISVX","Ask":null,"AverageDailyVolume":"0","Bid":null,"AskRealtime":null,"BidRealtime":null,"BookValue":null,"Change_PercentChange":"+0.41
+      - +2.75%","Change":"+0.41","Commission":null,"ChangeRealtime":"+0.41","AfterHoursChangeRealtime":"N/A
+      - N/A","DividendShare":null,"LastTradeDate":"12/9/2011","TradeDate":null,"EarningsShare":null,"ErrorIndicationreturnedforsymbolchangedinvalid":null,"EPSEstimateCurrentYear":null,"EPSEstimateNextYear":null,"EPSEstimateNextQuarter":null,"DaysLow":null,"DaysHigh":null,"YearLow":null,"YearHigh":null,"HoldingsGainPercent":"-
+      - -","AnnualizedGain":null,"HoldingsGain":null,"HoldingsGainPercentRealtime":"<i>-</i>
+      - <i>-</i>","HoldingsGainRealtime":"<i>-</i>","MoreInfo":"cnped","OrderBookRealtime":null,"MarketCapitalization":null,"MarketCapRealtime":null,"EBITDA":null,"ChangeFromYearLow":null,"PercentChangeFromYearLow":null,"LastTradeRealtimeWithTime":"<i>Dec  9</i>
+      - <b><i>15.30</i></b>","ChangePercentRealtime":"<i>+0.41</i> - <i>+2.75%</i>","ChangeFromYearHigh":null,"PercebtChangeFromYearHigh":null,"LastTradeWithTime":"Dec  9
+      - <b>15.30</b>","LastTradePriceOnly":"15.30","HighLimit":null,"LowLimit":null,"DaysRange":"N/A
+      - N/A","DaysRangeRealtime":"N/A - N/A","FiftydayMovingAverage":null,"TwoHundreddayMovingAverage":null,"ChangeFromTwoHundreddayMovingAverage":null,"PercentChangeFromTwoHundreddayMovingAverage":null,"ChangeFromFiftydayMovingAverage":null,"PercentChangeFromFiftydayMovingAverage":null,"Name":"VANGUARD
+      INDEX TR","Notes":null,"Open":null,"PreviousClose":"14.89","PricePaid":null,"ChangeinPercent":"+2.75%","PriceSales":null,"PriceBook":null,"ExDividendDate":null,"PERatio":null,"DividendPayDate":null,"PERatioRealtime":null,"PEGRatio":null,"PriceEPSEstimateCurrentYear":null,"PriceEPSEstimateNextYear":null,"Symbol":"VISVX","SharesOwned":null,"ShortRatio":null,"LastTradeTime":"6:25pm","TickerTrend":null,"OneyrTargetPrice":null,"Volume":null,"HoldingsValue":null,"HoldingsValueRealtime":"<i>-</i>","YearRange":"N/A
+      - N/A","DaysValueChange":"- - +2.75%","DaysValueChangeRealtime":"<i>-</i> -
+      <i>+2.75%</i>","StockExchange":"NasdaqSC","DividendYield":null,"PercentChange":"+2.75%"}}}}'
+    http_version: '1.1'

data/spec/cassettes/price_lookup_for_VMMXX.yml

@@ -0,0 +1,41 @@
+---
+- !ruby/struct:VCR::HTTPInteraction
+  request: !ruby/struct:VCR::Request
+    method: :get
+    uri: http://query.yahooapis.com:80/v1/public/yql?env=store://datatables.org/alltableswithkeys&format=json&q=select%20*%20from%20yahoo.finance.quotes%20where%20symbol%20in%20(%22VMMXX%22)
+    body: 
+    headers: 
+  response: !ruby/struct:VCR::Response
+    status: !ruby/struct:VCR::ResponseStatus
+      code: 200
+      message: OK
+    headers:
+      access-control-allow-origin:
+      - ! '*'
+      cache-control:
+      - no-cache
+      content-type:
+      - application/json;charset=utf-8
+      vary:
+      - Accept-Encoding
+      date:
+      - Sat, 31 Dec 2011 21:14:44 GMT
+      server:
+      - YTS/1.20.7
+      age:
+      - '1'
+      transfer-encoding:
+      - chunked
+      connection:
+      - keep-alive
+    body: ! '{"query":{"count":1,"created":"2011-12-31T21:14:45Z","lang":"en-US","results":{"quote":{"symbol":"VMMXX","Ask":null,"AverageDailyVolume":"0","Bid":null,"AskRealtime":null,"BidRealtime":null,"BookValue":null,"Change_PercentChange":"N/A
+      - N/A","Change":null,"Commission":null,"ChangeRealtime":"0.00","AfterHoursChangeRealtime":"N/A
+      - N/A","DividendShare":null,"LastTradeDate":"12/30/2011","TradeDate":null,"EarningsShare":null,"ErrorIndicationreturnedforsymbolchangedinvalid":null,"EPSEstimateCurrentYear":null,"EPSEstimateNextYear":null,"EPSEstimateNextQuarter":null,"DaysLow":null,"DaysHigh":null,"YearLow":null,"YearHigh":null,"HoldingsGainPercent":"-
+      - -","AnnualizedGain":null,"HoldingsGain":null,"HoldingsGainPercentRealtime":"<i>-</i>
+      - <i>-</i>","HoldingsGainRealtime":"<i>-</i>","MoreInfo":"ned","OrderBookRealtime":null,"MarketCapitalization":null,"MarketCapRealtime":null,"EBITDA":null,"ChangeFromYearLow":null,"PercentChangeFromYearLow":null,"LastTradeRealtimeWithTime":"<i>Dec
+      30</i> - <b><i>0.02%</i></b>","ChangePercentRealtime":"N/A - N/A","ChangeFromYearHigh":null,"PercebtChangeFromYearHigh":null,"LastTradeWithTime":"Dec
+      30 - <b>0.02%</b>","LastTradePriceOnly":"0.02%","HighLimit":null,"LowLimit":null,"DaysRange":"N/A
+      - N/A","DaysRangeRealtime":"N/A - N/A","FiftydayMovingAverage":null,"TwoHundreddayMovingAverage":null,"ChangeFromTwoHundreddayMovingAverage":null,"PercentChangeFromTwoHundreddayMovingAverage":null,"ChangeFromFiftydayMovingAverage":null,"PercentChangeFromFiftydayMovingAverage":null,"Name":"VANGUARD
+      MONEY MA","Notes":null,"Open":null,"PreviousClose":null,"PricePaid":null,"ChangeinPercent":null,"PriceSales":null,"PriceBook":null,"ExDividendDate":null,"PERatio":null,"DividendPayDate":null,"PERatioRealtime":null,"PEGRatio":null,"PriceEPSEstimateCurrentYear":null,"PriceEPSEstimateNextYear":null,"Symbol":"VMMXX","SharesOwned":null,"ShortRatio":null,"LastTradeTime":"6:24pm","TickerTrend":null,"OneyrTargetPrice":null,"Volume":null,"HoldingsValue":null,"HoldingsValueRealtime":"<i>-</i>","YearRange":"N/A
+      - N/A","DaysValueChange":"- - 0.00%","DaysValueChangeRealtime":"<i>-</i> - <i>-</i>","StockExchange":"NasdaqSC","DividendYield":null,"PercentChange":"N/A"}}}}'
+    http_version: '1.1'

data/spec/rebalance/account_spec.rb

@@ -0,0 +1,37 @@
+require File.expand_path('../../spec_helper', __FILE__)
+
+describe Rebalance::Account do
+  before do
+    @account = Rebalance::Account.new 'Test Account' do
+      fund 'ABCDE', 'Bonds', 200, 10.00
+      fund 'FGHIJ', 'Domestic Stocks', 500, 25.19
+      fund 'KLMNO', 'Domestic Stocks', 100, 20.00
+    end
+  end
+
+  it "knows the account name" do
+    @account.name.must_equal 'Test Account'
+  end
+
+  it "has the right number of funds" do
+    @account.funds.size.must_equal 3
+  end
+
+  it "remembers the first fund" do
+    @account.funds['ABCDE'].symbol.must_equal 'ABCDE'
+  end
+
+  it "knows the total value of all funds" do
+    @account.total_value.must_equal 16595.00
+  end
+
+  it "knows the percentage of each fund" do
+    percentages = @account.calculate_percentages
+    percentages['ABCDE'].must_equal 12.05
+  end
+
+  it "finds funds by asset class" do
+    @account.find_by_asset_class('Domestic Stocks')[0].symbol.must_equal 'FGHIJ'
+    @account.find_by_asset_class('Domestic Stocks')[1].symbol.must_equal 'KLMNO'
+  end
+end

data/spec/rebalance/fund_spec.rb

@@ -0,0 +1,28 @@
+require File.expand_path('../../spec_helper', __FILE__)
+
+describe Rebalance::Fund do
+  it "knows it's total value" do
+    fund = Rebalance::Fund.new('ABC', 'Bonds', 20, 4.51)
+    fund.value.must_equal 90.20
+  end
+
+  it "will look up the price if none is specified" do
+    VCR.use_cassette('price_lookup_for_VISVX', :record => :new_episodes) do
+      fund = Rebalance::Fund.new('VISVX', 'US Small Cap Value', 20)
+      fund.price.must_equal 15.30
+    end
+  end
+
+  it "will throw an exception if it can't lookup the price" do
+    VCR.use_cassette('price_lookup_for_98765', :record => :new_episodes) do
+      proc { fund = Rebalance::Fund.new('98765', 'Nonexistent Asset Class', 20) }.must_raise RuntimeError
+    end
+  end
+
+  it "handles cash appropriately" do
+    VCR.use_cassette('price_lookup_for_VMMXX', :record => :new_episodes) do
+      fund = Rebalance::Fund.new('VMMXX', 'Cash', 500)
+      fund.price.must_equal 1.00
+    end
+  end
+end

data/spec/rebalance/rebalancer_spec.rb

@@ -0,0 +1,285 @@
+require File.expand_path('../../spec_helper', __FILE__)
+
+describe Rebalance::Rebalancer do
+  describe 'with a single account' do
+    before do
+      @target = Rebalance::Target.new do
+        asset_class 30, 'Some Asset Class'
+        asset_class 20, 'Another Asset Class'
+        asset_class 50, 'Bonds'
+      end
+
+      @account = Rebalance::Account.new 'Test Account' do
+        fund 'ABCDE', 'Some Asset Class', 500, 10.00
+        fund 'FGHIJ', 'Some Asset Class', 300, 25.00
+        fund 'KLMNO', 'Another Asset Class', 75, 300
+        fund 'PQRST', 'Bonds', 35.5, 32.00
+        fund 'UVWXY', 'Bonds', 75, 5.50
+      end
+
+      @rebalance = Rebalance::Rebalancer.new(@target, @account)
+      @rebalance.rebalance
+    end
+
+    it 'creates a hash of funds by asset class' do
+      expected_hash = {
+        'Some Asset Class' => [@account.funds['ABCDE'], @account.funds['FGHIJ']],
+        'Another Asset Class' => [@account.funds['KLMNO']],
+        'Bonds' => [@account.funds['PQRST'], @account.funds['UVWXY']]
+      }
+
+      @rebalance.funds_by_asset_class.must_equal expected_hash
+    end
+
+    it 'provides the new number of shares for each fund' do
+      expected_rebalance = {
+        'ABCDE' => 548.2275,
+        'FGHIJ' => 219.291,
+        'KLMNO' => 24.3657,
+        'PQRST' => 285.5352,
+        'UVWXY' => 1661.2955
+      }
+
+      @rebalance.rebalanced_shares.must_equal expected_rebalance
+    end
+
+    it 'provides the difference in shares for each fund' do
+      expected_difference = {
+        'ABCDE' => 48.23,
+        'FGHIJ' => -80.71,
+        'KLMNO' => -50.63,
+        'PQRST' => 250.04,
+        'UVWXY' => 1586.30
+      }
+
+      @rebalance.rebalanced_share_difference.must_equal expected_difference
+    end
+
+    it 'provides the new value for each fund' do
+      expected_rebalance = {
+        'ABCDE' => 5482.28,
+        'FGHIJ' => 5482.28,
+        'KLMNO' => 7309.70,
+        'PQRST' => 9137.13,
+        'UVWXY' => 9137.13
+      }
+
+      @rebalance.rebalanced_values.must_equal expected_rebalance
+    end
+
+    it 'provides the difference in value for each fund' do
+      expected_difference = {
+        'ABCDE' => 482.28,
+        'FGHIJ' => -2017.72,
+        'KLMNO' => -15190.30,
+        'PQRST' => 8001.13,
+        'UVWXY' => 8724.63
+      }
+
+      @rebalance.rebalanced_value_difference.must_equal expected_difference
+
+      total_value = 0
+      @rebalance.rebalanced_value_difference.values.each { |value| total_value += value }
+      total_value.round(2).must_equal 0.02
+    end
+
+    it 'should be rebalanced' do
+      assert_rebalanced @rebalance
+      assert_accounts_have_same_values_after_rebalance @rebalance
+    end
+  end
+
+  describe 'with multiple accounts' do
+    before do
+      @target = Rebalance::Target.new do
+        asset_class 30, 'Some Asset Class'
+        asset_class 20, 'Another Asset Class'
+        asset_class 50, 'Bonds'
+      end
+
+      @wifes_roth = Rebalance::Account.new "Wife's Roth" do
+        fund 'ABCDE', 'Some Asset Class', 500, 10.00 # $5,000
+        fund 'FGHIJ', 'Some Asset Class', 300, 25.00 # $7,500
+        fund 'KLMNO', 'Another Asset Class', 75, 300 # $22,500
+        fund 'PQRST', 'Bonds', 35.5, 32.00           # $1,136
+        fund 'UVWXY', 'Bonds', 75, 5.50              # $412.50
+      end
+
+      @my_roth = Rebalance::Account.new 'My Roth' do
+        fund 'AAAAA', 'Cash', 150, 1.00              # $150
+        fund 'BBBBB', 'Some Asset Class', 10, 23.00  # $230
+        fund 'FGHIJ', 'Some Asset Class', 100, 25.00 # $2,500
+      end
+
+      @my_sep_ira = Rebalance::Account.new 'My SEP IRA' do
+        fund 'ZZZZZ', 'Bonds', 250, 20.25            # $5,062.50
+      end
+
+      @rebalance = Rebalance::Rebalancer.new(@target, @wifes_roth, @my_roth, @my_sep_ira)
+      @rebalance.rebalance
+    end
+
+    it 'provides the new number of shares for each fund' do
+      expected_rebalance = {
+        "Wife's Roth" => {
+        'ABCDE' => 525.2515,
+        'FGHIJ' => 210.1006,
+        'KLMNO' => 29.5349,
+        'PQRST' => 268.4844,
+        'UVWXY' => 1562.0911
+      },
+        "My Roth" => {
+        'AAAAA' => 0.0,
+        'BBBBB' => 62.60850,
+        'FGHIJ' => 57.59980
+      },
+        "My SEP IRA" => {
+        'ZZZZZ' => 249.9999
+      }
+      }
+
+      @rebalance.rebalanced_shares.must_equal expected_rebalance
+    end
+
+    it 'provides the share difference for each fund' do
+      expected_rebalance = {
+        "Wife's Roth" => {
+        'ABCDE' => 25.25,
+        'FGHIJ' => -89.9,
+        'KLMNO' => -45.47,
+        'PQRST' => 232.98,
+        'UVWXY' => 1487.09
+      },
+        "My Roth" => {
+        'AAAAA' => -150.0,
+        'BBBBB' => 52.61,
+        'FGHIJ' => -42.4
+      },
+        "My SEP IRA" => {
+        'ZZZZZ' => 0.0
+      }
+      }
+
+      @rebalance.rebalanced_share_difference.must_equal expected_rebalance
+    end
+
+    it 'provides the rebalanced values for each fund' do
+      expected_rebalance = {
+        "Wife's Roth" => {
+        'ABCDE' => 5252.52,
+        'FGHIJ' => 5252.52,
+        'KLMNO' => 8860.48,
+        'PQRST' => 8591.50,
+        'UVWXY' => 8591.50
+      },
+        "My Roth" => {
+        'AAAAA' => 0,
+        'BBBBB' => 1440.00,
+        'FGHIJ' => 1440.00
+      },
+        "My SEP IRA" => {
+        'ZZZZZ' => 5062.50
+      }
+      }
+
+      @rebalance.rebalanced_values.must_equal expected_rebalance
+    end
+
+    it 'provides the rebalanced value difference for each fund' do
+      expected_rebalance = {
+        "Wife's Roth" => {
+        'ABCDE' => 252.52,
+        'FGHIJ' => -2247.48,
+        'KLMNO' => -13639.52,
+        'PQRST' => 7455.50,
+        'UVWXY' => 8179.00
+      },
+        "My Roth" => {
+        'AAAAA' => -150.00,
+        'BBBBB' => 1210.00,
+        'FGHIJ' => -1060.00
+      },
+        "My SEP IRA" => {
+        'ZZZZZ' => 0.00
+      }
+      }
+
+      @rebalance.rebalanced_value_difference.must_equal expected_rebalance
+    end
+
+    it 'should be rebalanced' do
+      assert_rebalanced @rebalance
+      assert_accounts_have_same_values_after_rebalance @rebalance
+    end
+  end
+
+  describe 'without enough value in an account with a single asset class to hit the target' do
+    before do
+      @target = Rebalance::Target.new do
+        asset_class 90, 'Some Asset Class'
+        asset_class 10, 'Another Asset Class'
+      end
+
+      @wifes_roth = Rebalance::Account.new "Wife's Roth" do
+        fund 'BBBBB', 'Some Asset Class', 10, 23.00  # $230
+      end
+
+      @my_roth = Rebalance::Account.new 'My Roth' do
+        fund 'KLMNO', 'Another Asset Class', 75, 300 # $22,500
+      end
+
+      @rebalance = Rebalance::Rebalancer.new(@target, @wifes_roth, @my_roth)
+      @rebalance.rebalance
+    end
+
+    it 'should be rebalanced' do
+      assert_rebalanced @rebalance
+      assert_accounts_have_same_values_after_rebalance @rebalance
+    end
+  end
+
+  describe 'with a lot of asset classes' do
+    before do
+      @target = Rebalance::Target.new do
+        asset_class 35, 'US Total Market'
+        asset_class 18, 'Pacific'
+        asset_class 18, 'Europe'
+        asset_class 8,  'Real Estate'
+        asset_class 8,  'Total Bond Market'
+        asset_class 8,  'Inflation-Protected Bonds'
+        asset_class 5,  'US Small Cap Value'
+      end
+
+      @wifes_roth = Rebalance::Account.new "Wife's Roth" do
+        fund 'VIPSX', 'Inflation-Protected Bonds', 285.71, 14.10
+        fund 'VBMFX', 'Total Bond Market', 934.20, 11.01
+      end
+
+      @my_roth = Rebalance::Account.new 'My Roth' do
+        fund 'VISVX', 'US Small Cap Value', 293.85, 13.52
+        fund 'VGSIX', 'Real Estate', 231.16, 16.61
+        fund 'VTSAX', 'US Total Market', 453.90, 28.42
+        fund 'VPACX', 'Pacific', 33.43, 9.17
+        fund 'VEURX', 'Europe', 135.25, 21.97
+      end
+
+      @my_traditional_ira = Rebalance::Account.new 'My Traditional IRA' do
+        fund 'VTSAX', 'US Total Market', 625.33, 28.42
+        fund 'VMMXX', 'Cash', 14524.44, 1.00
+      end
+
+      @rebalance = Rebalance::Rebalancer.new(@target, @wifes_roth, @my_roth, @my_traditional_ira)
+      @rebalance.rebalance
+    end
+
+    it 'should be rebalanced' do
+      assert_rebalanced @rebalance
+      assert_accounts_have_same_values_after_rebalance @rebalance
+    end
+
+    it 'should print results in tabular format' do
+      results = @rebalance.results.to_s
+      results.must_include "| Wife's Roth        | VBMFX | Total Bond Market         | $11.01 | $0.00         | $8,525.11      |"
+    end
+  end
+end