2020 LRD to SGD Historical Review

YEARLY HIGH

0.0086 SGD

YEARLY LOW

0.0068 SGD

YEARLY AVERAGE

0.0072 SGD

2020 LRD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the LRD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on November 19, valuing the pair at 0.0086. Conversely, the yearly low was recorded on August 30, dropping to 0.0068.

This high-to-low spread represents a total annual volatility of 0.0018 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0071 to the December average rate of 0.0083, the exchange rate registered a net change of 17.07% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0086 was down 0.63% compared to the 2019 peak of 0.0087, 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 43 SGD

2019 Average 37 SGD

Yearly Trough Low 34 SGD

Transaction Impact: A difference of 9.08 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0084

0.0067

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 0.0071, compared to 0.0074 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0002 points.

H1 Avg (Jan–Jun) 0.0071

H2 Avg (Jul–Dec) 0.0074

Volatility Range Comparison

Volatility

The most volatile month in 2020 was November, with a trading range of 0.0012 SGD (High: 0.0086 / Low: 0.0075). On the other end, May was the most stable month, with a tight range of 0.0001 SGD (High: 0.0072 / Low: 0.0071).

November Spread (Volatile) ±0.0012

May Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0001 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0001

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2020: 0.0081) against the same month in 2019 (average: 0.0068), the exchange rate shifted by +0.0013 (+19.88%).

2020 Avg (November) 0.0081

2019 Avg (November) 0.0068

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0072	0.0070	0.0071
February	0.0071	0.0070	0.0071
March	0.0074	0.0070	0.0072
April	0.0073	0.0071	0.0072
May	0.0072	0.0071	0.0071
June	0.0071	0.0070	0.0070
July	0.0070	0.0069	0.0070
August	0.0069	0.0068	0.0069
September	0.0069	0.0068	0.0069
October	0.0075	0.0068	0.0070
November	0.0086	0.0075	0.0081
December	0.0085	0.0080	0.0083