2015 NAD to SGD Historical Review

YEARLY HIGH

0.1188 SGD

YEARLY LOW

0.0890 SGD

YEARLY AVERAGE

0.1082 SGD

2015 NAD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the NAD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on February 5, valuing the pair at 0.1188. Conversely, the yearly low was recorded on December 11, dropping to 0.0890.

This high-to-low spread represents a total annual volatility of 0.0298 SGD. From a start-to-finish perspective, comparing the January average rate of 0.1156 to the December average rate of 0.0936, the exchange rate registered a net change of -19.00% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.1188 was down 2.17% compared to the 2014 peak of 0.1214, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 594 SGD

2014 Average 584 SGD

Yearly Trough Low 445 SGD

Transaction Impact: A difference of 149.20 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.1193

0.0913

JanuMarcMayJulySeptNove

NAD 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 0.1133, compared to 0.1031 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0102 points.

H1 Avg (Jan–Jun) 0.1133

H2 Avg (Jul–Dec) 0.1031

Volatility Range Comparison

Volatility

The most volatile month in 2015 was December, with a trading range of 0.0092 SGD (High: 0.0982 / Low: 0.0890). On the other end, May was the most stable month, with a tight range of 0.0025 SGD (High: 0.1127 / Low: 0.1102).

December Spread (Volatile) ±0.0092

May Spread (Stable) ±0.0025

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2015. Conversely, the sharpest month-over-month decline occurred between November and December, when the average rate fell by 0.0063 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0063

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2015: 0.1169) against the same month in 2014 (average: 0.1154), the exchange rate shifted by +0.0016 (+1.36%).

2015 Avg (February) 0.1169

2014 Avg (February) 0.1154

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1178	0.1136	0.1156
February	0.1188	0.1154	0.1169
March	0.1170	0.1114	0.1140
April	0.1148	0.1099	0.1125
May	0.1127	0.1102	0.1115
June	0.1108	0.1078	0.1094
July	0.1107	0.1078	0.1093
August	0.1097	0.1061	0.1084
September	0.1056	0.1017	0.1037
October	0.1058	0.1013	0.1038
November	0.1015	0.0977	0.0999
December	0.0982	0.0890	0.0936