How to Calculate Your Forensic "SAN Score" | Masterclass 101
Your retirement income is not a number. It is a ratio. And most Singaporean investors have never calculated it.
The void deck of Block 231 in Ang Mo Kio tells you everything you need to know about retirement anxiety in Singapore.
Every Sunday morning, the same four uncles sit at the same plastic table. They have been sitting there for eleven years. Two of them are retired. One retired early at 58. One is still working at 67 because he does not know if he has enough.
Both of them own SGX stocks. Both of them receive CPF LIFE payouts. Both of them have HDB flats that are fully paid. On paper they look identical.
But one of them sleeps through the night. The other wakes up at 3am and checks the STI on his phone.
The difference between them is not their portfolio size. It is not their dividend yield. It is not even their CPF balance.
The difference is a single number that one of them knows and the other does not.
That number is the SAN Score.
By the end of this masterclass you will know exactly how to calculate your personal SAN Score, what threshold means you can sleep through any market correction, and the three specific actions available to you right now that will move your score in the right direction before your next portfolio review.
This is the forensic framework that 170 Elite Members apply to every portfolio decision. Not a simplified version. The real thing.
About Iggy & the Elite 170
In the Singapore market, the gap between a smart entry and becoming someone else’s exit liquidity can be as little as 48 hours. That’s the cost of informational lag.
Free subscribers get my analysis up to 14 days later. The Elite 170 get it the moment it’s ready.
Your Edge: The S$9 Ultimate Value Pass bundles zero-day video intel, forensic reports, and analyst cheatsheets into one institutional-grade feed — for less than a Singaporean breakfast.
🎓 What Is the SAN Score?
Let us define that term before we go any further.
SAN stands for Sleep At Night. The SAN Score is a forensic ratio that measures whether your passive income is sufficient to cover your fixed expenses with enough of a buffer to absorb a market shock without forcing you to sell assets at the wrong time.
So what does this mean for you in practice?
It means that instead of asking “is my portfolio big enough?” — which is an unanswerable question because big enough depends on too many variables — you ask a forensic question with a precise numerical answer: “Does my passive income cover my fixed expenses at a ratio that protects me from a 30% dividend cut without changing my lifestyle?”
That is a question you can answer. And once you can answer it, the 3am phone checks stop.
The SAN Score formula is:
Three components. Each one forensically important. Each one specific to your Singapore situation. We will build each one from scratch.
“In the paid section, I’ll walk you through the exact three-part SAN calculation (including the concentration buffer most people skip), then show you how to stress-test it against a 30% dividend cut so you know your real ‘sleep-through-any-correction’ number.”
