2020 GHS to LRD Historical Review

YEARLY HIGH

37.0406 LRD

YEARLY LOW

26.5807 LRD

YEARLY AVERAGE

33.4786 LRD

2020 GHS to LRD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the GHS to LRD exchange rate experienced significant fluctuation. The market reached its absolute peak on February 24, valuing the pair at 37.0406. Conversely, the yearly low was recorded on December 7, dropping to 26.5807.

This high-to-low spread represents a total annual volatility of 10.4599 LRD. From a start-to-finish perspective, comparing the January average rate of 33.8802 to the December average rate of 27.4821, the exchange rate registered a net change of -18.88% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 37.0406 was down 5.14% compared to the 2019 peak of 39.0490, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 185,203 LRD

2019 Average 173,289 LRD

Yearly Trough Low 132,903 LRD

Transaction Impact: A difference of 52,299.33 LRD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

37.4532

26.5756

JanuMarcMayJulySeptNove

GHS to LRD 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 34.8228, compared to 32.1344 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 2.6885 points.

H1 Avg (Jan–Jun) 34.8228

H2 Avg (Jul–Dec) 32.1344

Volatility Range Comparison

Volatility

The most volatile month in 2020 was November, with a trading range of 4.6612 LRD (High: 31.4082 / Low: 26.7470). On the other end, August was the most stable month, with a tight range of 0.1752 LRD (High: 34.6214 / Low: 34.4462).

November Spread (Volatile) ±4.6612

August Spread (Stable) ±0.1752

Growth Streaks & Declines

Trends

Between April and August, 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 October and November, when the average rate fell by 4.9520 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -4.9520

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 36.5467) against the same month in 2019 (average: 30.6297), the exchange rate shifted by +5.9170 (+19.32%).

2020 Avg (February) 36.5467

2019 Avg (February) 30.6297

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	35.4545	32.9255	33.8802
February	37.0406	35.4545	36.5467
March	36.6224	34.2485	35.4460
April	34.8119	34.0166	34.2975
May	34.5232	34.1595	34.3601
June	34.5794	34.2200	34.4066
July	34.6908	34.2820	34.5026
August	34.6214	34.4462	34.5313
September	34.5372	34.2488	34.4094
October	34.3513	31.3356	33.4164
November	31.4082	26.7470	28.4644
December	27.9628	26.5807	27.4821