2020 PEN to SGD Historical Review

YEARLY HIGH

0.4239 SGD

YEARLY LOW

0.3652 SGD

YEARLY AVERAGE

0.3952 SGD

2020 PEN to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 29, valuing the pair at 0.4239. Conversely, the yearly low was recorded on December 31, dropping to 0.3652.

This high-to-low spread represents a total annual volatility of 0.0587 SGD. From a start-to-finish perspective, comparing the January average rate of 0.4062 to the December average rate of 0.3700, the exchange rate registered a net change of -8.93% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4239 was up 1.17% compared to the 2019 peak of 0.4190, 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 2,120 SGD

2019 Average 2,044 SGD

Yearly Trough Low 1,826 SGD

Transaction Impact: A difference of 293.64 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4235

0.3651

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 0.4095, compared to 0.3808 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0287 points.

H1 Avg (Jan–Jun) 0.4095

H2 Avg (Jul–Dec) 0.3808

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0277 SGD (High: 0.4239 / Low: 0.3963). On the other end, October was the most stable month, with a tight range of 0.0034 SGD (High: 0.3799 / Low: 0.3765).

March Spread (Volatile) ±0.0277

October Spread (Stable) ±0.0034

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0140 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0140

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.4062) against the same month in 2019 (average: 0.4097), the exchange rate shifted by -0.0035 (-0.85%).

2020 Avg (March) 0.4062

2019 Avg (March) 0.4097

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4083	0.4030	0.4062
February	0.4138	0.4031	0.4097
March	0.4239	0.3963	0.4062
April	0.4231	0.4138	0.4186
May	0.4229	0.4111	0.4152
June	0.4111	0.3941	0.4012
July	0.3981	0.3892	0.3946
August	0.3903	0.3807	0.3846
September	0.3873	0.3791	0.3843
October	0.3799	0.3765	0.3782
November	0.3783	0.3671	0.3733
December	0.3724	0.3652	0.3700