2015 HTG to SGD Historical Review

YEARLY HIGH

0.0298 SGD

YEARLY LOW

0.0241 SGD

YEARLY AVERAGE

0.0272 SGD

2015 HTG to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HTG to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 14, valuing the pair at 0.0298. Conversely, the yearly low was recorded on July 24, dropping to 0.0241.

This high-to-low spread represents a total annual volatility of 0.0057 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0287 to the December average rate of 0.0249, the exchange rate registered a net change of -13.13% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0298 was down 8.71% compared to the 2014 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 149 SGD

2014 Average 142 SGD

Yearly Trough Low 121 SGD

Transaction Impact: A difference of 28.44 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0298

0.0243

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 0.0286, compared to 0.0258 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0028 points.

H1 Avg (Jan–Jun) 0.0286

H2 Avg (Jul–Dec) 0.0258

Volatility Range Comparison

Volatility

The most volatile month in 2015 was August, with a trading range of 0.0028 SGD (High: 0.0270 / Low: 0.0242). On the other end, February was the most stable month, with a tight range of 0.0003 SGD (High: 0.0292 / Low: 0.0289).

August Spread (Volatile) ±0.0028

February Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

Between January and March, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 0.0033 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0033

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 0.0293) against the same month in 2014 (average: 0.0287), the exchange rate shifted by +0.0007 (+2.35%).

2015 Avg (March) 0.0293

2014 Avg (March) 0.0287

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0291	0.0284	0.0287
February	0.0292	0.0289	0.0291
March	0.0298	0.0288	0.0293
April	0.0288	0.0278	0.0284
May	0.0283	0.0276	0.0280
June	0.0284	0.0276	0.0280
July	0.0260	0.0241	0.0248
August	0.0270	0.0242	0.0262
September	0.0271	0.0263	0.0267
October	0.0270	0.0257	0.0262
November	0.0262	0.0254	0.0259
December	0.0252	0.0248	0.0249