YEARLY HIGH
4.9660 HRK
YEARLY LOW
4.7372 HRK
YEARLY AVERAGE
4.8580 HRK

2019 SGD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the SGD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 12, valuing the pair at 4.9660. Conversely, the yearly low was recorded on August 25, dropping to 4.7372.

This high-to-low spread represents a total annual volatility of 0.2288 HRK. From a start-to-finish perspective, comparing the January average rate of 4.7970 to the December average rate of 4.9374, the exchange rate registered a net change of 2.93% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 4.9660 was up 3.89% compared to the 2018 peak of 4.7799, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 24,830 HRK
2018 Average 23,292 HRK
Yearly Trough Low 23,686 HRK
Transaction Impact: A difference of 1,143.86 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

4.9574
4.7817
JanuMarcMayJulySeptNove

SGD to HRK 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 4.8335, compared to 4.8825 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0489 points.

H1 Avg (Jan–Jun) 4.8335
H2 Avg (Jul–Dec) 4.8825

Volatility Range Comparison

Volatility

The most volatile month in 2019 was August, with a trading range of 0.1171 HRK (High: 4.8543 / Low: 4.7372). On the other end, July was the most stable month, with a tight range of 0.0308 HRK (High: 4.8583 / Low: 4.8275).

August Spread (Volatile) ±0.1171
July Spread (Stable) ±0.0308

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 July and August, when the average rate fell by 0.0438 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0438

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2019: 4.9428) against the same month in 2018 (average: 4.7532), the exchange rate shifted by +0.1895 (+3.99%).

2019 Avg (November) 4.9428
2018 Avg (November) 4.7532

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.8309 4.7414 4.7970
February 4.8493 4.7914 4.8257
March 4.8945 4.8213 4.8514
April 4.8917 4.8560 4.8782
May 4.8691 4.8150 4.8363
June 4.8397 4.7954 4.8126
July 4.8583 4.8275 4.8402
August 4.8543 4.7372 4.7963
September 4.9194 4.8231 4.8715
October 4.9328 4.8862 4.9065
November 4.9660 4.9149 4.9428
December 4.9605 4.9138 4.9374