2021 NAD to SGD Historical Review

YEARLY HIGH

0.0981 SGD

YEARLY LOW

0.0843 SGD

YEARLY AVERAGE

0.0910 SGD

2021 NAD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the NAD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on June 4, valuing the pair at 0.0981. Conversely, the yearly low was recorded on November 28, dropping to 0.0843.

This high-to-low spread represents a total annual volatility of 0.0139 SGD. From a start-to-finish perspective, comparing the January average rate of 0.0879 to the December average rate of 0.0857, the exchange rate registered a net change of -2.52% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0981 was up 1.87% compared to the 2020 peak of 0.0963, 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 491 SGD

2020 Average 421 SGD

Yearly Trough Low 421 SGD

Transaction Impact: A difference of 69.43 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0975

0.0847

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 0.0918, compared to 0.0901 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0017 points.

H1 Avg (Jan–Jun) 0.0918

H2 Avg (Jul–Dec) 0.0901

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0095 SGD (High: 0.0938 / Low: 0.0843). On the other end, April was the most stable month, with a tight range of 0.0023 SGD (High: 0.0934 / Low: 0.0911).

November Spread (Volatile) ±0.0095

April Spread (Stable) ±0.0023

Growth Streaks & Declines

Trends

Between March and June, 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 June and July, when the average rate fell by 0.0032 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0032

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 0.0964) against the same month in 2020 (average: 0.0814), the exchange rate shifted by +0.0150 (+18.38%).

2021 Avg (June) 0.0964

2020 Avg (June) 0.0814

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0904	0.0859	0.0879
February	0.0917	0.0884	0.0901
March	0.0916	0.0868	0.0897
April	0.0934	0.0911	0.0922
May	0.0962	0.0920	0.0947
June	0.0981	0.0939	0.0964
July	0.0947	0.0912	0.0932
August	0.0950	0.0890	0.0922
September	0.0941	0.0898	0.0909
October	0.0933	0.0889	0.0908
November	0.0938	0.0843	0.0878
December	0.0873	0.0843	0.0857