2026 TOP to SGD Historical Review

YEARLY HIGH

0.5369 SGD

YEARLY LOW

0.5236 SGD

YEARLY AVERAGE

0.5307 SGD

2026 TOP to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the TOP to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 27, valuing the pair at 0.5369. Conversely, the yearly low was recorded on January 27, dropping to 0.5236.

This high-to-low spread represents a total annual volatility of 0.0133 SGD. From a start-to-finish perspective, comparing the January average rate of 0.5319 to the December average rate of 0.5338, the exchange rate registered a net change of 0.37% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 0.5369 was down 6.20% compared to the 2025 peak of 0.5724, 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 2,685 SGD

2025 Average 2,711 SGD

Yearly Trough Low 2,618 SGD

Transaction Impact: A difference of 66.50 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

0.5346

0.5254

JanuFebrMarcApriMayJune

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 0.5307, compared to 0.0000 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.5307 points.

H1 Avg (Jan–Jun) 0.5307

H2 Avg (Jul–Dec) 0.0000

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0117 SGD (High: 0.5353 / Low: 0.5236). On the other end, May was the most stable month, with a tight range of 0.0016 SGD (High: 0.5308 / Low: 0.5292).

January Spread (Volatile) ±0.0117

May Spread (Stable) ±0.0016

Growth Streaks & Declines

Trends

Between April and June, 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 January and February, when the average rate fell by 0.0057 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0057

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2026: 0.5319) against the same month in 2025 (average: 0.5551), the exchange rate shifted by -0.0232 (-4.18%).

2026 Avg (March) 0.5319

2025 Avg (March) 0.5551

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5353	0.5236	0.5319
February	0.5298	0.5242	0.5261
March	0.5369	0.5274	0.5319
April	0.5348	0.5275	0.5302
May	0.5308	0.5292	0.5302
June	0.5362	0.5307	0.5338