2015 NZD to SGD Historical Review

YEARLY HIGH

1.0494 SGD

YEARLY LOW

0.8887 SGD

YEARLY AVERAGE

0.9616 SGD

2015 NZD to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the NZD to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 23, valuing the pair at 1.0494. Conversely, the yearly low was recorded on September 16, dropping to 0.8887.

This high-to-low spread represents a total annual volatility of 0.1607 SGD. From a start-to-finish perspective, comparing the January average rate of 1.0205 to the December average rate of 0.9510, the exchange rate registered a net change of -6.80% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 1.0494 was down 4.39% compared to the 2014 peak of 1.0976, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,247 SGD

2014 Average 5,258 SGD

Yearly Trough Low 4,443 SGD

Transaction Impact: A difference of 803.48 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

1.0416

0.8839

JanuMarcMayJulySeptNove

NZD 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 1.0010, compared to 0.9221 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0789 points.

H1 Avg (Jan–Jun) 1.0010

H2 Avg (Jul–Dec) 0.9221

Volatility Range Comparison

Volatility

The most volatile month in 2015 was January, with a trading range of 0.0635 SGD (High: 1.0460 / Low: 0.9825). On the other end, September was the most stable month, with a tight range of 0.0218 SGD (High: 0.9105 / Low: 0.8887).

January Spread (Volatile) ±0.0635

September Spread (Stable) ±0.0218

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 May and June, when the average rate fell by 0.0459 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0459

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 1.0285) against the same month in 2014 (average: 1.0805), the exchange rate shifted by -0.0521 (-4.82%).

2015 Avg (March) 1.0285

2014 Avg (March) 1.0805

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.0460	0.9825	1.0205
February	1.0300	0.9819	1.0101
March	1.0494	1.0106	1.0285
April	1.0355	1.0062	1.0241
May	1.0040	0.9559	0.9844
June	0.9680	0.9138	0.9384
July	0.9172	0.8901	0.9037
August	0.9404	0.8966	0.9157
September	0.9105	0.8887	0.8971
October	0.9501	0.9153	0.9372
November	0.9486	0.9198	0.9279
December	0.9693	0.9331	0.9510