10年模拟投资计划

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import os
import requests
import smtplib
from email.mime.text import MIMEText
from email.header import Header

# ================= 配置区域 (每年再平衡后需更新此处) =================
# 填写你“建仓/再平衡”那一天，各个标的的收盘价（大概即可）
# 格式： "代码": [权重, 基准价格(Cost_Price), 名称]
# 注意：代码前要加 sh (上海) 或 sz (深圳)
# 红利低波网址：
# https://quotes.sina.cn/hs/company/quotes/view/sz159307?from=nbsearchresult

PORTFOLIO_CONFIG = {
    "sz159307": {"target": 0.20, "base_price": 1.061, "name": "红利低波"},  # 示例价格，请按实际修改
    "sh511090": {"target": 0.20, "base_price": 113.967, "name": "30年国债"},
    "sz159655": {"target": 0.30, "base_price": 1.824, "name": "标普500"},  # 场内代码作为价格锚点
    "sh510300": {"target": 0.15, "base_price": 4.825, "name": "沪深300"},
    "sh518660": {"target": 0.15, "base_price": 9.478, "name": "黄金ETF"}
}
# ===================================================================

def get_current_prices(codes):
    """
    从新浪财经获取无需Cookie的实时行情
    """
    url = f"http://hq.sinajs.cn/list={','.join(codes)}"
    headers = {"Referer": "http://finance.sina.com.cn/"}
    
    try:
        resp = requests.get(url, headers=headers)
        if resp.status_code != 200:
            return None
        
        # 解析数据
        prices = {}
        # 返回格式: var hq_str_sz159307="名字,开盘,昨收,现价....";
        lines = resp.text.split('\n')
        for line in lines:
            if len(line) < 10: continue
            code = line.split('="')[0].split('_str_')[1]
            data = line.split('="')[1].split(',')
            current_price = float(data[3]) # 第4个字段是当前价格
            
            # 如果停牌或未开盘（现价为0），用昨日收盘价(第3个字段)代替
            if current_price == 0:
                current_price = float(data[2])
                
            prices[code] = current_price
        return prices
    except Exception as e:
        print(f"获取行情失败: {e}")
        return None

def calculate_weights(current_prices):
    """
    根据基准价格和现价，模拟计算当前权重
    """
    # 1. 假设初始总资金为 10000 元 (方便计算)
    initial_total = 10000
    
    # 2. 计算各资产当前的模拟市值
    simulated_values = {}
    total_market_value = 0
    
    for code, config in PORTFOLIO_CONFIG.items():
        if code not in current_prices:
            continue
            
        # 初始持仓数量 = (总资金 * 目标比例) / 基准价格
        initial_shares = (initial_total * config['target']) / config['base_price']
        
        # 当前市值 = 初始数量 * 当前价格
        current_val = initial_shares * current_prices[code]
        
        simulated_values[code] = current_val
        total_market_value += current_val
        
    # 3. 计算当前权重
    current_weights = {}
    for code, val in simulated_values.items():
        current_weights[code] = val / total_market_value
        
    return current_weights

def send_email(subject, content):
    mail_user = os.environ.get("MAIL_USER")
    mail_pass = os.environ.get("MAIL_PASS")
    # 如果没有配置环境变量，直接返回（方便本地测试）
    if not mail_user or not mail_pass:
        print("未配置邮箱，跳过发送")
        return

    msg = MIMEText(content, 'plain', 'utf-8')
    msg['Subject'] = Header(subject, 'utf-8')
    msg['From'] = Header("Portfolio Monitor", 'utf-8')
    msg['To'] = Header("Investor", 'utf-8')

    try:
        # 使用Gmail邮箱服务器
        server = smtplib.SMTP_SSL("smtp.gmail.com", 465)
        server.login(mail_user, mail_pass)
        server.sendmail(mail_user, [mail_user], msg.as_string())
        server.quit()
        print("邮件发送成功")
    except Exception as e:
        print(f"邮件发送失败: {e}")

def main():
    codes = list(PORTFOLIO_CONFIG.keys())
    prices = get_current_prices(codes)
    
    if not prices:
        print("无法获取价格数据")
        return

    weights = calculate_weights(prices)
    alerts = []
    report = []
    
    print(f"{'名称':<8} | {'现价':<8} | {'基准价':<8} | {'当前权重':<8} | {'目标权重':<8} | {'偏差'}")
    print("-" * 70)
    
    for code, real_weight in weights.items():
        info = PORTFOLIO_CONFIG[code]
        name = info['name']
        target = info['target']
        curr_price = prices[code]
        base_price = info['base_price']
        diff = real_weight - target
        
        line = f"{name:<8} | {curr_price:<8.3f} | {base_price:<8.3f} | {real_weight*100:<7.2f}% | {target*100:<7.2f}% | {diff*100:+.2f}%"
        print(line)
        report.append(line)
        
        # 触发阈值：偏差绝对值 > 5% (即 0.05)
        if abs(diff) >= 0.05:
            action = "卖出止盈" if diff > 0 else "买入补仓"
            alerts.append(f"⚠️ 【{name}】 偏差 {diff*100:+.2f}% (现权重 {real_weight*100:.1f}%) -> 建议{action}")

    # 发送逻辑
    if alerts:
        content = "检测到资产配置偏离阈值！\n\n" + "\n".join(alerts) + "\n\n详细数据：\n" + "\n".join(report)
        send_email("【警报】资产配置再平衡提醒", content)
    else:
        print("所有资产均在正常范围内。")

if __name__ == "__main__":
    main()