2014 SAR to SGD Historical Review

YEARLY HIGH

0.3530 SGD

YEARLY LOW

0.3301 SGD

YEARLY AVERAGE

0.3378 SGD

2014 SAR to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the SAR to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.3530. Conversely, the yearly low was recorded on July 23, dropping to 0.3301.

This high-to-low spread represents a total annual volatility of 0.0229 SGD. From a start-to-finish perspective, comparing the January average rate of 0.3392 to the December average rate of 0.3508, the exchange rate registered a net change of 3.40% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 0.3530 was up 3.22% compared to the 2013 peak of 0.3420, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,765 SGD

2013 Average 1,668 SGD

Yearly Trough Low 1,650 SGD

Transaction Impact: A difference of 114.68 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

0.3527

0.3295

JanuMarcMayJulySeptNove

SAR 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 0.3361, compared to 0.3395 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0034 points.

H1 Avg (Jan–Jun) 0.3361

H2 Avg (Jul–Dec) 0.3395

Volatility Range Comparison

Volatility

The most volatile month in 2014 was September, with a trading range of 0.0069 SGD (High: 0.3401 / Low: 0.3332). On the other end, August was the most stable month, with a tight range of 0.0019 SGD (High: 0.3339 / Low: 0.3319).

September Spread (Volatile) ±0.0069

August Spread (Stable) ±0.0019

Growth Streaks & Declines

Trends

Between July and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0034 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0034

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2014: 0.3508) against the same month in 2013 (average: 0.3358), the exchange rate shifted by +0.0150 (+4.46%).

2014 Avg (December) 0.3508

2013 Avg (December) 0.3358

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3411	0.3369	0.3392
February	0.3405	0.3357	0.3377
March	0.3400	0.3353	0.3379
April	0.3367	0.3327	0.3346
May	0.3348	0.3326	0.3338
June	0.3353	0.3326	0.3335
July	0.3326	0.3301	0.3315
August	0.3339	0.3319	0.3329
September	0.3401	0.3332	0.3369
October	0.3423	0.3388	0.3399
November	0.3476	0.3425	0.3453
December	0.3530	0.3477	0.3508