2014 HTG to SGD Historical Review

YEARLY HIGH

0.0326 SGD

YEARLY LOW

0.0274 SGD

YEARLY AVERAGE

0.0285 SGD

2014 HTG to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the HTG to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on February 23, valuing the pair at 0.0326. Conversely, the yearly low was recorded on August 18, dropping to 0.0274.

This high-to-low spread represents a total annual volatility of 0.0052 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0296 to the December average rate of 0.0283, the exchange rate registered a net change of -4.55% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.0326 was up 0.22% compared to the 2013 peak of 0.0326, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 163 SGD

2013 Average 147 SGD

Yearly Trough Low 137 SGD

Transaction Impact: A difference of 26.00 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.0318

0.0273

JanuMarcMayJulySeptNove

HTG 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 0.0289, compared to 0.0281 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0008 points.

H1 Avg (Jan–Jun) 0.0289

H2 Avg (Jul–Dec) 0.0281

Volatility Range Comparison

Volatility

The most volatile month in 2014 was February, with a trading range of 0.0038 SGD (High: 0.0326 / Low: 0.0288). On the other end, May was the most stable month, with a tight range of 0.0003 SGD (High: 0.0280 / Low: 0.0277).

February Spread (Volatile) ±0.0038

May Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

Between July and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0028 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0028

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2014: 0.0314) against the same month in 2013 (average: 0.0291), the exchange rate shifted by +0.0023 (+7.99%).

2014 Avg (February) 0.0314

2013 Avg (February) 0.0291

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0308	0.0289	0.0296
February	0.0326	0.0288	0.0314
March	0.0293	0.0278	0.0287
April	0.0284	0.0279	0.0281
May	0.0280	0.0277	0.0278
June	0.0279	0.0275	0.0277
July	0.0278	0.0275	0.0277
August	0.0280	0.0274	0.0278
September	0.0286	0.0279	0.0282
October	0.0287	0.0283	0.0284
November	0.0286	0.0279	0.0281
December	0.0285	0.0280	0.0283