2015 BIF to NZD Historical Review

YEARLY HIGH

0.0010 NZD

YEARLY LOW

0.0008 NZD

YEARLY AVERAGE

0.0009 NZD

2015 BIF to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the BIF to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 14, valuing the pair at 0.0010. Conversely, the yearly low was recorded on January 11, dropping to 0.0008.

This high-to-low spread represents a total annual volatility of 0.0002 NZD. From a start-to-finish perspective, comparing the January average rate of 0.0008 to the December average rate of 0.0010, the exchange rate registered a net change of 13.83% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0010 was up 22.05% compared to the 2014 peak of 0.0008, 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 5 NZD

2014 Average 4 NZD

Yearly Trough Low 4 NZD

Transaction Impact: A difference of 1.07 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0010

0.0008

JanuMarcMayJulySeptNove

BIF to NZD 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 0.0009, compared to 0.0010 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0001 points.

H1 Avg (Jan–Jun) 0.0009

H2 Avg (Jul–Dec) 0.0010

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 0.0001 NZD (High: 0.0009 / Low: 0.0008). On the other end, September was the most stable month, with a tight range of 0.0000 NZD (High: 0.0010 / Low: 0.0010).

January Spread (Volatile) ±0.0001

September Spread (Stable) ±0.0000

Growth Streaks & Declines

Trends

Between April and September, 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 September and October, when the average rate fell by 0.0001 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2015: 0.0010) against the same month in 2014 (average: 0.0008), the exchange rate shifted by +0.0002 (+27.73%).

2015 Avg (September) 0.0010

2014 Avg (September) 0.0008

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0009	0.0008	0.0008
February	0.0009	0.0008	0.0009
March	0.0009	0.0008	0.0009
April	0.0009	0.0008	0.0008
May	0.0009	0.0008	0.0009
June	0.0009	0.0009	0.0009
July	0.0010	0.0009	0.0009
August	0.0010	0.0010	0.0010
September	0.0010	0.0010	0.0010
October	0.0010	0.0009	0.0010
November	0.0010	0.0009	0.0010
December	0.0010	0.0009	0.0010