2025 BIF to JMD Historical Review

YEARLY HIGH

0.0548 JMD

YEARLY LOW

0.0525 JMD

YEARLY AVERAGE

0.0538 JMD

2025 BIF to JMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the BIF to JMD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 29, valuing the pair at 0.0548. Conversely, the yearly low was recorded on March 30, dropping to 0.0525.

This high-to-low spread represents a total annual volatility of 0.0023 JMD. From a start-to-finish perspective, comparing the January average rate of 0.0532 to the December average rate of 0.0541, the exchange rate registered a net change of 1.60% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 0.0548 was down 0.55% compared to the 2024 peak of 0.0551, 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 274 JMD

2024 Average 271 JMD

Yearly Trough Low 262 JMD

Transaction Impact: A difference of 11.44 JMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

0.0545

0.0530

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 0.0535, compared to 0.0541 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0006 points.

H1 Avg (Jan–Jun) 0.0535

H2 Avg (Jul–Dec) 0.0541

Volatility Range Comparison

Volatility

The most volatile month in 2025 was January, with a trading range of 0.0014 JMD (High: 0.0541 / Low: 0.0526). On the other end, December was the most stable month, with a tight range of 0.0006 JMD (High: 0.0544 / Low: 0.0537).

January Spread (Volatile) ±0.0014

December Spread (Stable) ±0.0006

Growth Streaks & Declines

Trends

Between March and July, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0003 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0003

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2025: 0.0540) against the same month in 2024 (average: 0.0543), the exchange rate shifted by -0.0003 (-0.54%).

2025 Avg (September) 0.0540

2024 Avg (September) 0.0543

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0541	0.0526	0.0532
February	0.0541	0.0531	0.0534
March	0.0539	0.0525	0.0531
April	0.0540	0.0529	0.0534
May	0.0543	0.0534	0.0538
June	0.0545	0.0535	0.0540
July	0.0546	0.0535	0.0540
August	0.0546	0.0535	0.0539
September	0.0548	0.0536	0.0540
October	0.0546	0.0538	0.0544
November	0.0547	0.0538	0.0544
December	0.0544	0.0537	0.0541