2014 LRD to SGD Historical Review

YEARLY HIGH

0.0159 SGD

YEARLY LOW

0.0134 SGD

YEARLY AVERAGE

0.0144 SGD

2014 LRD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the LRD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 20, valuing the pair at 0.0159. Conversely, the yearly low was recorded on July 23, dropping to 0.0134.

This high-to-low spread represents a total annual volatility of 0.0026 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0152 to the December average rate of 0.0144, the exchange rate registered a net change of -5.34% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.0159 was down 6.65% compared to the 2013 peak of 0.0171, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 80 SGD

2013 Average 82 SGD

Yearly Trough Low 67 SGD

Transaction Impact: A difference of 12.81 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.0156

0.0134

JanuMarcMayJulySeptNove

LRD 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 0.0149, compared to 0.0139 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0009 points.

H1 Avg (Jan–Jun) 0.0149

H2 Avg (Jul–Dec) 0.0139

Volatility Range Comparison

Volatility

The most volatile month in 2014 was June, with a trading range of 0.0013 SGD (High: 0.0151 / Low: 0.0138). On the other end, October was the most stable month, with a tight range of 0.0002 SGD (High: 0.0140 / Low: 0.0139).

June Spread (Volatile) ±0.0013

October Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0007 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0007

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2014: 0.0154) against the same month in 2013 (average: 0.0168), the exchange rate shifted by -0.0014 (-8.18%).

2014 Avg (March) 0.0154

2013 Avg (March) 0.0168

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0157	0.0149	0.0152
February	0.0149	0.0147	0.0148
March	0.0159	0.0147	0.0154
April	0.0148	0.0145	0.0147
May	0.0154	0.0145	0.0148
June	0.0151	0.0138	0.0142
July	0.0138	0.0134	0.0136
August	0.0137	0.0135	0.0136
September	0.0139	0.0137	0.0138
October	0.0140	0.0139	0.0139
November	0.0143	0.0140	0.0142
December	0.0145	0.0143	0.0144