2020 SAR to SGD Historical Review

YEARLY HIGH

0.3879 SGD

YEARLY LOW

0.3524 SGD

YEARLY AVERAGE

0.3676 SGD

2020 SAR to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the SAR to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 23, valuing the pair at 0.3879. Conversely, the yearly low was recorded on December 31, dropping to 0.3524.

This high-to-low spread represents a total annual volatility of 0.0355 SGD. From a start-to-finish perspective, comparing the January average rate of 0.3601 to the December average rate of 0.3551, the exchange rate registered a net change of -1.39% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.3879 was up 4.56% compared to the 2019 peak of 0.3710, 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 1,940 SGD

2019 Average 1,818 SGD

Yearly Trough Low 1,762 SGD

Transaction Impact: A difference of 177.69 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.3810

0.3527

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 0.3726, compared to 0.3627 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0099 points.

H1 Avg (Jan–Jun) 0.3726

H2 Avg (Jul–Dec) 0.3627

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0211 SGD (High: 0.3879 / Low: 0.3668). On the other end, October was the most stable month, with a tight range of 0.0036 SGD (High: 0.3643 / Low: 0.3606).

March Spread (Volatile) ±0.0211

October Spread (Stable) ±0.0036

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0062 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0062

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.3773) against the same month in 2019 (average: 0.3610), the exchange rate shifted by +0.0162 (+4.49%).

2020 Avg (March) 0.3773

2019 Avg (March) 0.3610

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3638	0.3586	0.3601
February	0.3737	0.3637	0.3703
March	0.3879	0.3668	0.3773
April	0.3828	0.3754	0.3786
May	0.3800	0.3760	0.3776
June	0.3752	0.3692	0.3714
July	0.3721	0.3656	0.3700
August	0.3670	0.3621	0.3651
September	0.3672	0.3619	0.3643
October	0.3643	0.3606	0.3625
November	0.3647	0.3566	0.3591
December	0.3567	0.3524	0.3551