2015 PEN to SGD Historical Review

YEARLY HIGH

0.4493 SGD

YEARLY LOW

0.4141 SGD

YEARLY AVERAGE

0.4321 SGD

2015 PEN to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the PEN to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 16, valuing the pair at 0.4493. Conversely, the yearly low was recorded on December 28, dropping to 0.4141.

This high-to-low spread represents a total annual volatility of 0.0351 SGD. From a start-to-finish perspective, comparing the January average rate of 0.4449 to the December average rate of 0.4168, the exchange rate registered a net change of -6.31% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.4493 was down 1.32% compared to the 2014 peak of 0.4553, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,246 SGD

2014 Average 2,232 SGD

Yearly Trough Low 2,071 SGD

Transaction Impact: A difference of 175.59 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.4481

0.4140

JanuMarcMayJulySeptNove

PEN 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 0.4355, compared to 0.4288 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0067 points.

H1 Avg (Jan–Jun) 0.4355

H2 Avg (Jul–Dec) 0.4288

Volatility Range Comparison

Volatility

The most volatile month in 2015 was April, with a trading range of 0.0187 SGD (High: 0.4411 / Low: 0.4224). On the other end, February was the most stable month, with a tight range of 0.0048 SGD (High: 0.4425 / Low: 0.4377).

April Spread (Volatile) ±0.0187

February Spread (Stable) ±0.0048

Growth Streaks & Declines

Trends

Between May and September, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0123 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0123

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 0.4452) against the same month in 2014 (average: 0.4516), the exchange rate shifted by -0.0064 (-1.41%).

2015 Avg (March) 0.4452

2014 Avg (March) 0.4516

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4483	0.4396	0.4449
February	0.4425	0.4377	0.4404
March	0.4493	0.4402	0.4452
April	0.4411	0.4224	0.4329
May	0.4281	0.4195	0.4239
June	0.4310	0.4214	0.4257
July	0.4313	0.4241	0.4278
August	0.4350	0.4263	0.4318
September	0.4437	0.4346	0.4401
October	0.4440	0.4259	0.4320
November	0.4296	0.4169	0.4241
December	0.4194	0.4141	0.4168