2015 HNL to SGD Historical Review

YEARLY HIGH

0.0657 SGD

YEARLY LOW

0.0601 SGD

YEARLY AVERAGE

0.0634 SGD

2015 HNL to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HNL to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 9, valuing the pair at 0.0657. Conversely, the yearly low was recorded on April 28, dropping to 0.0601.

This high-to-low spread represents a total annual volatility of 0.0056 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0635 to the December average rate of 0.0643, the exchange rate registered a net change of 1.37% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0657 was down 0.82% compared to the 2014 peak of 0.0663, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 329 SGD

2014 Average 311 SGD

Yearly Trough Low 301 SGD

Transaction Impact: A difference of 27.96 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0651

0.0604

JanuMarcMayJulySeptNove

HNL 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 0.0628, compared to 0.0639 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0011 points.

H1 Avg (Jan–Jun) 0.0628

H2 Avg (Jul–Dec) 0.0639

Volatility Range Comparison

Volatility

The most volatile month in 2015 was April, with a trading range of 0.0039 SGD (High: 0.0640 / Low: 0.0601). On the other end, June was the most stable month, with a tight range of 0.0008 SGD (High: 0.0621 / Low: 0.0613).

April Spread (Volatile) ±0.0039

June Spread (Stable) ±0.0008

Growth Streaks & Declines

Trends

Between May and September, 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 April and May, when the average rate fell by 0.0018 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0018

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 0.0644) against the same month in 2014 (average: 0.0656), the exchange rate shifted by -0.0012 (-1.81%).

2015 Avg (March) 0.0644

2014 Avg (March) 0.0656

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0641	0.0629	0.0635
February	0.0648	0.0637	0.0641
March	0.0657	0.0633	0.0644
April	0.0640	0.0601	0.0626
May	0.0616	0.0602	0.0608
June	0.0621	0.0613	0.0616
July	0.0629	0.0617	0.0623
August	0.0645	0.0625	0.0638
September	0.0654	0.0638	0.0647
October	0.0656	0.0628	0.0638
November	0.0648	0.0635	0.0644
December	0.0649	0.0635	0.0643