2020 HTG to SGD Historical Review

YEARLY HIGH

0.0218 SGD

YEARLY LOW

0.0121 SGD

YEARLY AVERAGE

0.0153 SGD

2020 HTG to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HTG to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on October 27, valuing the pair at 0.0218. Conversely, the yearly low was recorded on September 5, dropping to 0.0121.

This high-to-low spread represents a total annual volatility of 0.0097 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0138 to the December average rate of 0.0191, the exchange rate registered a net change of 38.61% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0218 was up 22.94% compared to the 2019 peak of 0.0177, 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 109 SGD

2019 Average 76 SGD

Yearly Trough Low 60 SGD

Transaction Impact: A difference of 48.61 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0224

0.0113

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 0.0140, compared to 0.0165 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0025 points.

H1 Avg (Jan–Jun) 0.0140

H2 Avg (Jul–Dec) 0.0165

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 0.0022 SGD (High: 0.0204 / Low: 0.0182). On the other end, August was the most stable month, with a tight range of 0.0003 SGD (High: 0.0124 / Low: 0.0121).

December Spread (Volatile) ±0.0022

August 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 November and December, when the average rate fell by 0.0019 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0019

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 0.0214) against the same month in 2019 (average: 0.0143), the exchange rate shifted by +0.0072 (+50.27%).

2020 Avg (October) 0.0214

2019 Avg (October) 0.0143

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0142	0.0136	0.0138
February	0.0158	0.0137	0.0142
March	0.0158	0.0146	0.0150
April	0.0151	0.0144	0.0148
May	0.0136	0.0130	0.0133
June	0.0131	0.0127	0.0129
July	0.0128	0.0123	0.0126
August	0.0124	0.0121	0.0122
September	0.0130	0.0121	0.0127
October	0.0218	0.0203	0.0214
November	0.0216	0.0202	0.0210
December	0.0204	0.0182	0.0191