2015 TOP to SGD Historical Review

YEARLY HIGH

0.6903 SGD

YEARLY LOW

0.6163 SGD

YEARLY AVERAGE

0.6494 SGD

2015 TOP to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the TOP to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 8, valuing the pair at 0.6903. Conversely, the yearly low was recorded on July 29, dropping to 0.6163.

This high-to-low spread represents a total annual volatility of 0.0740 SGD. From a start-to-finish perspective, comparing the January average rate of 0.6746 to the December average rate of 0.6277, the exchange rate registered a net change of -6.95% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.6903 was down 1.14% compared to the 2014 peak of 0.6983, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,452 SGD

2014 Average 3,358 SGD

Yearly Trough Low 3,082 SGD

Transaction Impact: A difference of 370.07 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.6886

0.6222

JanuMarcMayJulySeptNove

TOP 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 0.6669, compared to 0.6320 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0348 points.

H1 Avg (Jan–Jun) 0.6669

H2 Avg (Jul–Dec) 0.6320

Volatility Range Comparison

Volatility

The most volatile month in 2015 was June, with a trading range of 0.0371 SGD (High: 0.6594 / Low: 0.6223). On the other end, May was the most stable month, with a tight range of 0.0143 SGD (High: 0.6663 / Low: 0.6520).

June Spread (Volatile) ±0.0371

May Spread (Stable) ±0.0143

Growth Streaks & Declines

Trends

Between January and March, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between March and April, when the average rate fell by 0.0170 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0170

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2015: 0.6830) against the same month in 2014 (average: 0.6827), the exchange rate shifted by +0.0003 (+0.04%).

2015 Avg (March) 0.6830

2014 Avg (March) 0.6827

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6843	0.6680	0.6746
February	0.6826	0.6640	0.6750
March	0.6903	0.6757	0.6830
April	0.6768	0.6518	0.6660
May	0.6663	0.6520	0.6583
June	0.6594	0.6223	0.6441
July	0.6377	0.6163	0.6295
August	0.6345	0.6174	0.6286
September	0.6606	0.6242	0.6421
October	0.6402	0.6173	0.6283
November	0.6439	0.6265	0.6359
December	0.6342	0.6190	0.6277