2021 SAR to SGD Historical Review

YEARLY HIGH

0.3659 SGD

YEARLY LOW

0.3512 SGD

YEARLY AVERAGE

0.3582 SGD

2021 SAR to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SAR to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 3, valuing the pair at 0.3659. Conversely, the yearly low was recorded on January 6, dropping to 0.3512.

This high-to-low spread represents a total annual volatility of 0.0147 SGD. From a start-to-finish perspective, comparing the January average rate of 0.3535 to the December average rate of 0.3633, the exchange rate registered a net change of 2.77% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.3659 was down 5.69% compared to the 2020 peak of 0.3879, 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 1,829 SGD

2020 Average 1,838 SGD

Yearly Trough Low 1,756 SGD

Transaction Impact: A difference of 73.48 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.3643

0.3525

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 0.3553, compared to 0.3612 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0059 points.

H1 Avg (Jan–Jun) 0.3553

H2 Avg (Jul–Dec) 0.3612

Volatility Range Comparison

Volatility

The most volatile month in 2021 was December, with a trading range of 0.0066 SGD (High: 0.3659 / Low: 0.3592). On the other end, January was the most stable month, with a tight range of 0.0038 SGD (High: 0.3550 / Low: 0.3512).

December Spread (Volatile) ±0.0066

January Spread (Stable) ±0.0038

Growth Streaks & Declines

Trends

Between May and August, 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 March and April, when the average rate fell by 0.0020 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0020

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.3633) against the same month in 2020 (average: 0.3551), the exchange rate shifted by +0.0082 (+2.32%).

2021 Avg (December) 0.3633

2020 Avg (December) 0.3551

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3550	0.3512	0.3535
February	0.3564	0.3517	0.3540
March	0.3599	0.3539	0.3580
April	0.3589	0.3532	0.3560
May	0.3563	0.3521	0.3544
June	0.3588	0.3526	0.3557
July	0.3643	0.3586	0.3612
August	0.3639	0.3584	0.3613
September	0.3630	0.3575	0.3593
October	0.3623	0.3580	0.3603
November	0.3656	0.3591	0.3619
December	0.3659	0.3592	0.3633