2015 ALL to SGD Historical Review

YEARLY HIGH

0.0116 SGD

YEARLY LOW

0.0103 SGD

YEARLY AVERAGE

0.0109 SGD

2015 ALL to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the ALL to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 24, valuing the pair at 0.0116. Conversely, the yearly low was recorded on April 15, dropping to 0.0103.

This high-to-low spread represents a total annual volatility of 0.0013 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0111 to the December average rate of 0.0111, the exchange rate registered a net change of 0.32% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0116 was down 7.72% compared to the 2014 peak of 0.0126, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 ALL based on timing:

Yearly Peak High 58 SGD

2014 Average 60 SGD

Yearly Trough Low 51 SGD

Transaction Impact: A difference of 6.58 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0115

0.0103

JanuMarcMayJulySeptNove

ALL to SGD Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 0.0107, compared to 0.0111 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0004 points.

H1 Avg (Jan–Jun) 0.0107

H2 Avg (Jul–Dec) 0.0111

Volatility Range Comparison

Volatility

The most volatile month in 2015 was August, with a trading range of 0.0008 SGD (High: 0.0116 / Low: 0.0108). On the other end, February was the most stable month, with a tight range of 0.0001 SGD (High: 0.0110 / Low: 0.0109).

August Spread (Volatile) ±0.0008

February Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between April and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0003 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0003

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2015: 0.0111) against the same month in 2014 (average: 0.0119), the exchange rate shifted by -0.0008 (-6.70%).

2015 Avg (August) 0.0111

2014 Avg (August) 0.0119

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0115	0.0108	0.0111
February	0.0110	0.0109	0.0110
March	0.0109	0.0104	0.0106
April	0.0105	0.0103	0.0104
May	0.0107	0.0104	0.0106
June	0.0108	0.0105	0.0107
July	0.0109	0.0106	0.0107
August	0.0116	0.0108	0.0111
September	0.0115	0.0113	0.0114
October	0.0115	0.0110	0.0113
November	0.0111	0.0108	0.0110
December	0.0113	0.0108	0.0111