2021 HTG to SGD Historical Review

YEARLY HIGH

0.0186 SGD

YEARLY LOW

0.0133 SGD

YEARLY AVERAGE

0.0152 SGD

2021 HTG to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HTG to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 12, valuing the pair at 0.0186. Conversely, the yearly low was recorded on December 26, dropping to 0.0133.

This high-to-low spread represents a total annual volatility of 0.0053 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0182 to the December average rate of 0.0136, the exchange rate registered a net change of -25.47% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0186 was down 14.76% compared to the 2020 peak of 0.0218, 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 93 SGD

2020 Average 76 SGD

Yearly Trough Low 66 SGD

Transaction Impact: A difference of 26.44 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0186

0.0131

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 0.0165, compared to 0.0138 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0027 points.

H1 Avg (Jan–Jun) 0.0165

H2 Avg (Jul–Dec) 0.0138

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0014 SGD (High: 0.0169 / Low: 0.0155). On the other end, November was the most stable month, with a tight range of 0.0003 SGD (High: 0.0139 / Low: 0.0136).

April Spread (Volatile) ±0.0014

November Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2021. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0012 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0012

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 0.0182) against the same month in 2020 (average: 0.0138), the exchange rate shifted by +0.0044 (+32.17%).

2021 Avg (January) 0.0182

2020 Avg (January) 0.0138

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0186	0.0179	0.0182
February	0.0185	0.0174	0.0180
March	0.0179	0.0168	0.0172
April	0.0169	0.0155	0.0163
May	0.0156	0.0145	0.0151
June	0.0149	0.0143	0.0145
July	0.0149	0.0141	0.0143
August	0.0145	0.0136	0.0139
September	0.0141	0.0135	0.0137
October	0.0139	0.0133	0.0136
November	0.0139	0.0136	0.0137
December	0.0139	0.0133	0.0136