2015 SAR to SGD Historical Review

YEARLY HIGH

0.3821 SGD

YEARLY LOW

0.3520 SGD

YEARLY AVERAGE

0.3664 SGD

2015 SAR to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the SAR to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on October 3, valuing the pair at 0.3821. Conversely, the yearly low was recorded on April 28, dropping to 0.3520.

This high-to-low spread represents a total annual volatility of 0.0300 SGD. From a start-to-finish perspective, comparing the January average rate of 0.3559 to the December average rate of 0.3752, the exchange rate registered a net change of 5.43% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.3821 was up 8.23% compared to the 2014 peak of 0.3530, 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 1,910 SGD

2014 Average 1,689 SGD

Yearly Trough Low 1,760 SGD

Transaction Impact: A difference of 150.19 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.3796

0.3535

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 0.3598, compared to 0.3731 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0134 points.

H1 Avg (Jan–Jun) 0.3598

H2 Avg (Jul–Dec) 0.3731

Volatility Range Comparison

Volatility

The most volatile month in 2015 was October, with a trading range of 0.0136 SGD (High: 0.3821 / Low: 0.3684). On the other end, February was the most stable month, with a tight range of 0.0048 SGD (High: 0.3632 / Low: 0.3583).

October Spread (Volatile) ±0.0136

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 0.0074 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0074

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2015: 0.3738) against the same month in 2014 (average: 0.3399), the exchange rate shifted by +0.0338 (+9.95%).

2015 Avg (October) 0.3738

2014 Avg (October) 0.3399

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3601	0.3532	0.3559
February	0.3632	0.3583	0.3613
March	0.3711	0.3634	0.3672
April	0.3655	0.3520	0.3597
May	0.3600	0.3522	0.3557
June	0.3622	0.3556	0.3588
July	0.3661	0.3591	0.3628
August	0.3761	0.3656	0.3725
September	0.3807	0.3728	0.3774
October	0.3821	0.3684	0.3738
November	0.3797	0.3726	0.3770
December	0.3777	0.3724	0.3752