2015 SGD to TOP Historical Review

YEARLY HIGH

1.6225 TOP

YEARLY LOW

1.4486 TOP

YEARLY AVERAGE

1.5414 TOP

2015 SGD to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the SGD to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on July 29, valuing the pair at 1.6225. Conversely, the yearly low was recorded on March 8, dropping to 1.4486.

This high-to-low spread represents a total annual volatility of 0.1740 TOP. From a start-to-finish perspective, comparing the January average rate of 1.4824 to the December average rate of 1.5931, the exchange rate registered a net change of 7.47% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 1.6225 was up 4.34% compared to the 2014 peak of 1.5550, 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 8,113 TOP

2014 Average 7,447 TOP

Yearly Trough Low 7,243 TOP

Transaction Impact: A difference of 869.78 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

1.6060

1.4512

JanuMarcMayJulySeptNove

SGD to TOP 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 1.5003, compared to 1.5825 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0822 points.

H1 Avg (Jan–Jun) 1.5003

H2 Avg (Jul–Dec) 1.5825

Volatility Range Comparison

Volatility

The most volatile month in 2015 was June, with a trading range of 0.0903 TOP (High: 1.6069 / Low: 1.5166). On the other end, March was the most stable month, with a tight range of 0.0314 TOP (High: 1.4799 / Low: 1.4486).

June Spread (Volatile) ±0.0903

March Spread (Stable) ±0.0314

Growth Streaks & Declines

Trends

Between March and August, 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 August and September, when the average rate fell by 0.0334 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0334

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2015: 1.5886) against the same month in 2014 (average: 1.4821), the exchange rate shifted by +0.1066 (+7.19%).

2015 Avg (July) 1.5886

2014 Avg (July) 1.4821

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.4969	1.4614	1.4824
February	1.5060	1.4651	1.4816
March	1.4799	1.4486	1.4641
April	1.5342	1.4776	1.5016
May	1.5338	1.5008	1.5191
June	1.6069	1.5166	1.5527
July	1.6225	1.5682	1.5886
August	1.6196	1.5760	1.5910
September	1.6021	1.5138	1.5577
October	1.6200	1.5620	1.5917
November	1.5962	1.5530	1.5727
December	1.6156	1.5768	1.5931