2015 LRD to SGD Historical Review

YEARLY HIGH

0.0168 SGD

YEARLY LOW

0.0145 SGD

YEARLY AVERAGE

0.0160 SGD

2015 LRD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the LRD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 16, valuing the pair at 0.0168. Conversely, the yearly low was recorded on January 18, dropping to 0.0145.

This high-to-low spread represents a total annual volatility of 0.0023 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0146 to the December average rate of 0.0164, the exchange rate registered a net change of 12.50% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0168 was up 5.48% compared to the 2014 peak of 0.0159, 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 84 SGD

2014 Average 72 SGD

Yearly Trough Low 72 SGD

Transaction Impact: A difference of 11.61 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0167

0.0144

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 0.0157, compared to 0.0163 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0005 points.

H1 Avg (Jan–Jun) 0.0157

H2 Avg (Jul–Dec) 0.0163

Volatility Range Comparison

Volatility

The most volatile month in 2015 was February, with a trading range of 0.0013 SGD (High: 0.0161 / Low: 0.0148). On the other end, July was the most stable month, with a tight range of 0.0002 SGD (High: 0.0161 / Low: 0.0158).

February Spread (Volatile) ±0.0013

July Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between May and October, 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 0.0003 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0003

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2015: 0.0165) against the same month in 2014 (average: 0.0142), the exchange rate shifted by +0.0023 (+16.40%).

2015 Avg (November) 0.0165

2014 Avg (November) 0.0142

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0148	0.0145	0.0146
February	0.0161	0.0148	0.0160
March	0.0164	0.0161	0.0163
April	0.0162	0.0156	0.0159
May	0.0160	0.0156	0.0158
June	0.0161	0.0157	0.0159
July	0.0161	0.0158	0.0160
August	0.0164	0.0158	0.0161
September	0.0166	0.0158	0.0162
October	0.0167	0.0161	0.0165
November	0.0168	0.0162	0.0165
December	0.0167	0.0159	0.0164