2015 BIF to JMD Historical Review

YEARLY HIGH

0.0782 JMD

YEARLY LOW

0.0709 JMD

YEARLY AVERAGE

0.0746 JMD

2015 BIF to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the BIF to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 28, valuing the pair at 0.0782. Conversely, the yearly low was recorded on July 20, dropping to 0.0709.

This high-to-low spread represents a total annual volatility of 0.0073 JMD. From a start-to-finish perspective, comparing the January average rate of 0.0734 to the December average rate of 0.0770, the exchange rate registered a net change of 4.98% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0782 was up 6.25% compared to the 2014 peak of 0.0736, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 391 JMD

2014 Average 357 JMD

Yearly Trough Low 354 JMD

Transaction Impact: A difference of 36.46 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0775

0.0717

JanuMarcMayJulySeptNove

BIF to JMD 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 0.0735, compared to 0.0756 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0020 points.

H1 Avg (Jan–Jun) 0.0735

H2 Avg (Jul–Dec) 0.0756

Volatility Range Comparison

Volatility

The most volatile month in 2015 was July, with a trading range of 0.0035 JMD (High: 0.0743 / Low: 0.0709). On the other end, February was the most stable month, with a tight range of 0.0009 JMD (High: 0.0742 / Low: 0.0733).

July Spread (Volatile) ±0.0035

February Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0018 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0018

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2015: 0.0770) against the same month in 2014 (average: 0.0728), the exchange rate shifted by +0.0042 (+5.77%).

2015 Avg (December) 0.0770

2014 Avg (December) 0.0728

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0743	0.0726	0.0734
February	0.0742	0.0733	0.0737
March	0.0739	0.0728	0.0734
April	0.0739	0.0727	0.0733
May	0.0744	0.0730	0.0737
June	0.0744	0.0728	0.0740
July	0.0743	0.0709	0.0721
August	0.0759	0.0744	0.0753
September	0.0770	0.0752	0.0760
October	0.0771	0.0761	0.0765
November	0.0771	0.0760	0.0767
December	0.0782	0.0755	0.0770