2021 XDR to SGD Historical Review

YEARLY HIGH

1.9412 SGD

YEARLY LOW

1.8907 SGD

YEARLY AVERAGE

1.9145 SGD

2021 XDR to SGD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XDR to SGD exchange rate experienced significant fluctuation. The market reached its absolute peak on July 20, valuing the pair at 1.9412. Conversely, the yearly low was recorded on December 31, dropping to 1.8907.

This high-to-low spread represents a total annual volatility of 0.0505 SGD. From a start-to-finish perspective, comparing the January average rate of 1.9118 to the December average rate of 1.9111, the exchange rate registered a net change of -0.04% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.9412 was down 1.52% compared to the 2020 peak of 1.9712, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 9,706 SGD

2020 Average 9,605 SGD

Yearly Trough Low 9,453 SGD

Transaction Impact: A difference of 252.57 SGD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.9309

1.9050

JanuMarcMayJulySeptNove

XDR 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 1.9130, compared to 1.9160 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0030 points.

H1 Avg (Jan–Jun) 1.9130

H2 Avg (Jul–Dec) 1.9160

Volatility Range Comparison

Volatility

The most volatile month in 2021 was December, with a trading range of 0.0347 SGD (High: 1.9254 / Low: 1.8907). On the other end, April was the most stable month, with a tight range of 0.0144 SGD (High: 1.9156 / Low: 1.9012).

December Spread (Volatile) ±0.0347

April Spread (Stable) ±0.0144

Growth Streaks & Declines

Trends

Between April and July, 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 August and September, when the average rate fell by 0.0110 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0110

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2021: 1.9288) against the same month in 2020 (average: 1.9281), the exchange rate shifted by +0.0006 (+0.03%).

2021 Avg (July) 1.9288

2020 Avg (July) 1.9281

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.9192	1.8975	1.9118
February	1.9230	1.9032	1.9121
March	1.9315	1.9074	1.9177
April	1.9156	1.9012	1.9073
May	1.9252	1.8996	1.9140
June	1.9287	1.9032	1.9152
July	1.9412	1.9183	1.9288
August	1.9376	1.9079	1.9255
September	1.9275	1.9044	1.9145
October	1.9190	1.8948	1.9088
November	1.9189	1.8963	1.9072
December	1.9254	1.8907	1.9111