2021 LRD to SGD Historical Review

YEARLY HIGH

0.0097 SGD

YEARLY LOW

0.0076 SGD

YEARLY AVERAGE

0.0081 SGD

2021 LRD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the LRD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 14, valuing the pair at 0.0097. Conversely, the yearly low was recorded on February 24, dropping to 0.0076.

This high-to-low spread represents a total annual volatility of 0.0021 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0079 to the December average rate of 0.0096, the exchange rate registered a net change of 21.33% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0097 was up 12.12% compared to the 2020 peak of 0.0086, 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 48 SGD

2020 Average 36 SGD

Yearly Trough Low 38 SGD

Transaction Impact: A difference of 10.36 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0097

0.0075

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 0.0078, compared to 0.0085 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0007 points.

H1 Avg (Jan–Jun) 0.0078

H2 Avg (Jul–Dec) 0.0085

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 0.0010 SGD (High: 0.0089 / Low: 0.0079). On the other end, May was the most stable month, with a tight range of 0.0001 SGD (High: 0.0078 / Low: 0.0077).

October Spread (Volatile) ±0.0010

May Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between April and July, 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 January and February, when the average rate fell by 0.0002 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0002

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.0096) against the same month in 2020 (average: 0.0083), the exchange rate shifted by +0.0013 (+15.75%).

2021 Avg (December) 0.0096

2020 Avg (December) 0.0083

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0080	0.0078	0.0079
February	0.0078	0.0076	0.0077
March	0.0078	0.0076	0.0077
April	0.0078	0.0077	0.0077
May	0.0078	0.0077	0.0077
June	0.0078	0.0077	0.0078
July	0.0080	0.0078	0.0079
August	0.0080	0.0078	0.0079
September	0.0080	0.0078	0.0079
October	0.0089	0.0079	0.0083
November	0.0096	0.0090	0.0094
December	0.0097	0.0093	0.0096