YEARLY HIGH
18.1760 HNL
YEARLY LOW
16.1955 HNL
YEARLY AVERAGE
17.0525 HNL

2021 NZD to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the NZD to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on January 6, valuing the pair at 18.1760. Conversely, the yearly low was recorded on August 19, dropping to 16.1955.

This high-to-low spread represents a total annual volatility of 1.9806 HNL. From a start-to-finish perspective, comparing the January average rate of 17.4209 to the December average rate of 16.4776, the exchange rate registered a net change of -5.41% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 18.1760 was up 4.10% compared to the 2020 peak of 17.4608, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 90,880 HNL
2020 Average 80,430 HNL
Yearly Trough Low 80,977 HNL
Transaction Impact: A difference of 9,902.84 HNL purely based on transaction execution date.

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17.6730
16.3689
JanuMarcMayJulySeptNove

NZD 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 17.3145, compared to 16.7905 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.5241 points.

H1 Avg (Jan–Jun) 17.3145
H2 Avg (Jul–Dec) 16.7905

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 1.0374 HNL (High: 18.1760 / Low: 17.1386). On the other end, May was the most stable month, with a tight range of 0.3149 HNL (High: 17.5666 / Low: 17.2517).

January Spread (Volatile) Âą1.0374
May Spread (Stable) Âą0.3149

Growth Streaks & Declines

Trends

Between August and October, 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 November and December, when the average rate fell by 0.4525 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.4525

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 17.4209) against the same month in 2020 (average: 16.3882), the exchange rate shifted by +1.0327 (+6.30%).

2021 Avg (January) 17.4209
2020 Avg (January) 16.3882

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Month High Low Average
January 18.1760 17.1386 17.4209
February 18.0985 17.3564 17.5643
March 17.7152 16.8115 17.2676
April 17.5398 16.8722 17.1538
May 17.5666 17.2517 17.4075
June 17.4711 16.7097 17.0732
July 16.8594 16.4817 16.6847
August 16.8783 16.1955 16.5931
September 17.2436 16.5734 17.0103
October 17.3912 16.6382 17.0470
November 17.3447 16.4873 16.9300
December 16.6945 16.2906 16.4776