2020 DJF to GHS Historical Review

YEARLY HIGH

0.0335 GHS

YEARLY LOW

0.0299 GHS

YEARLY AVERAGE

0.0322 GHS

2020 DJF to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the DJF to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 7, valuing the pair at 0.0335. Conversely, the yearly low was recorded on February 22, dropping to 0.0299.

This high-to-low spread represents a total annual volatility of 0.0037 GHS. From a start-to-finish perspective, comparing the January average rate of 0.0318 to the December average rate of 0.0330, the exchange rate registered a net change of 3.82% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0335 was down 58.89% compared to the 2019 peak of 0.0816, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 168 GHS

2019 Average 151 GHS

Yearly Trough Low 149 GHS

Transaction Impact: A difference of 18.29 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0332

0.0299

JanuMarcMayJulySeptNove

DJF to GHS 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 0.0318, compared to 0.0326 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0008 points.

H1 Avg (Jan–Jun) 0.0318

H2 Avg (Jul–Dec) 0.0326

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0021 GHS (High: 0.0324 / Low: 0.0303). On the other end, September was the most stable month, with a tight range of 0.0002 GHS (High: 0.0326 / Low: 0.0324).

March Spread (Volatile) ±0.0021

September Spread (Stable) ±0.0002

Growth Streaks & Declines

Trends

Between August and December, 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 0.0015 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0015

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.0330) against the same month in 2019 (average: 0.0320), the exchange rate shifted by +0.0010 (+2.98%).

2020 Avg (December) 0.0330

2019 Avg (December) 0.0320

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0321	0.0309	0.0318
February	0.0309	0.0299	0.0302
March	0.0324	0.0303	0.0314
April	0.0327	0.0319	0.0324
May	0.0326	0.0323	0.0324
June	0.0327	0.0323	0.0325
July	0.0327	0.0323	0.0324
August	0.0326	0.0323	0.0324
September	0.0326	0.0324	0.0325
October	0.0328	0.0325	0.0327
November	0.0329	0.0327	0.0328
December	0.0335	0.0328	0.0330