YEARLY HIGH
1.7858 HNL
YEARLY LOW
1.4865 HNL
YEARLY AVERAGE
1.6325 HNL

2021 NAD to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the NAD to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on June 4, valuing the pair at 1.7858. Conversely, the yearly low was recorded on November 28, dropping to 1.4865.

This high-to-low spread represents a total annual volatility of 0.2993 HNL. From a start-to-finish perspective, comparing the January average rate of 1.6079 to the December average rate of 1.5270, the exchange rate registered a net change of -5.03% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.7858 was up 1.11% compared to the 2020 peak of 1.7662, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 8,929 HNL
2020 Average 7,549 HNL
Yearly Trough Low 7,433 HNL
Transaction Impact: A difference of 1,496.73 HNL purely based on transaction execution date.

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1.7596
1.5058
JanuMarcMayJulySeptNove

NAD to HNL 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 1.6647, compared to 1.6003 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0644 points.

H1 Avg (Jan–Jun) 1.6647
H2 Avg (Jul–Dec) 1.6003

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.1948 HNL (High: 1.6813 / Low: 1.4865). On the other end, April was the most stable month, with a tight range of 0.0545 HNL (High: 1.6931 / Low: 1.6386).

November Spread (Volatile) Âą0.1948
April Spread (Stable) Âą0.0545

Growth Streaks & Declines

Trends

Between March and June, 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 June and July, when the average rate fell by 0.0957 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0957

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 1.7384) against the same month in 2020 (average: 1.4568), the exchange rate shifted by +0.2816 (+19.33%).

2021 Avg (June) 1.7384
2020 Avg (June) 1.4568

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Month High Low Average
January 1.6583 1.5652 1.6079
February 1.6740 1.6095 1.6456
March 1.6413 1.5564 1.6164
April 1.6931 1.6386 1.6643
May 1.7506 1.6651 1.7156
June 1.7858 1.6684 1.7384
July 1.6811 1.5986 1.6427
August 1.6667 1.5491 1.6192
September 1.6869 1.5971 1.6259
October 1.6744 1.5951 1.6243
November 1.6813 1.4865 1.5628
December 1.5717 1.4983 1.5270