SWAN Score: Sleep Well At Night

A 0–100 view of a stock, ETF, or fund’s historical record. It brings together price falls, daily swings, and payout consistency when relevant. A quiet way to read the past, not a forecast of what comes next.

Higher means a calmer observed record. A low score can reflect rougher history or a scoring limit. Zero is the bottom of the calmness scale, not zero risk. A high score is not a buy recommendation, a promise of future returns, or a guarantee of safety.

Yes, checking a ticker is free. You can get a score without creating an account or connecting a brokerage.

Enter a stock, ETF, or fund’s ticker symbol. Coverage depends on the available market data. Newer tickers can still have scores, with their shorter history clearly marked. If a symbol cannot be found or its price history is unusable, a score cannot be prepared.

Drawdown considers falls and time below earlier highs over up to 15 years. Jumpiness looks at daily swings over up to five years. Income considers payout consistency when recent payouts are recorded. Short history and some payout patterns can limit the total. Headlines do not change the score.

It compares elapsed price history with a five-year reference. It measures time spanned, not data completeness, and does not add points to the total. A shorter record has had less time to show difficult periods, so it can limit an otherwise calm-looking score.

No payouts were recorded in the last year of the available record, so Income is left out of the total. This is not a penalty or evidence of missed payments. The score then reflects Drawdown and Jumpiness.

No. Income considers payout consistency, not just how much is paid. A short payout record, interruptions, or annual payout declines can lower it. Large payouts alongside a falling share price can also limit the score.

Compare the individual signals, not just the total. A ticker with recent payouts includes Income; one without uses Drawdown and Jumpiness only. Check the time windows and available history too. SPY is comparison context, not a scoring input. Another ticker can still be scored when SPY data is unavailable.

The scored figure shows the deepest fall over up to 15 years. The full-record figure covers all available price history, which may include an older, deeper fall. They can match when the record is shorter or the deepest fall happened within the scoring window.

Yahoo Finance provides the daily price and payout records. Scoring uses prices adjusted for splits and payouts, rather than live quotes. The report describes the ticker’s history, not returns for a particular account or investor. Available records can be incomplete or revised.