2021 BAM to NZD Historical Review

YEARLY HIGH

0.8819 NZD

YEARLY LOW

0.8239 NZD

YEARLY AVERAGE

0.8553 NZD

2021 BAM to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the BAM to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.8819. Conversely, the yearly low was recorded on November 18, dropping to 0.8239.

This high-to-low spread represents a total annual volatility of 0.0580 NZD. From a start-to-finish perspective, comparing the January average rate of 0.8663 to the December average rate of 0.8517, the exchange rate registered a net change of -1.68% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.8819 was down 10.23% compared to the 2020 peak of 0.9824, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 4,409 NZD

2020 Average 4,489 NZD

Yearly Trough Low 4,120 NZD

Transaction Impact: A difference of 289.81 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.8716

0.8288

JanuMarcMayJulySeptNove

BAM to NZD 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 0.8595, compared to 0.8511 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0084 points.

H1 Avg (Jan–Jun) 0.8595

H2 Avg (Jul–Dec) 0.8511

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0304 NZD (High: 0.8692 / Low: 0.8388). On the other end, December was the most stable month, with a tight range of 0.0147 NZD (High: 0.8590 / Low: 0.8444).

March Spread (Volatile) ±0.0304

December Spread (Stable) ±0.0147

Growth Streaks & Declines

Trends

Between February and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0131 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0131

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 0.8663) against the same month in 2020 (average: 0.8586), the exchange rate shifted by +0.0076 (+0.89%).

2021 Avg (January) 0.8663

2020 Avg (January) 0.8586

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.8819	0.8577	0.8663
February	0.8654	0.8357	0.8531
March	0.8692	0.8388	0.8531
April	0.8667	0.8488	0.8574
May	0.8713	0.8458	0.8593
June	0.8792	0.8596	0.8680
July	0.8762	0.8575	0.8657
August	0.8770	0.8505	0.8627
September	0.8674	0.8463	0.8533
October	0.8547	0.8249	0.8411
November	0.8502	0.8239	0.8324
December	0.8590	0.8444	0.8517