YEARLY HIGH
71.6431 NGN
YEARLY LOW
64.9404 NGN
YEARLY AVERAGE
68.0988 NGN

2021 GHS to NGN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the GHS to NGN exchange rate experienced significant fluctuation. The market reached its absolute peak on May 16, valuing the pair at 71.6431. Conversely, the yearly low was recorded on January 15, dropping to 64.9404.

This high-to-low spread represents a total annual volatility of 6.7028 NGN. From a start-to-finish perspective, comparing the January average rate of 66.2576 to the December average rate of 66.9443, the exchange rate registered a net change of 1.04% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 71.6431 was up 4.62% compared to the 2020 peak of 68.4785, 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 358,216 NGN
2020 Average 331,607 NGN
Yearly Trough Low 324,702 NGN
Transaction Impact: A difference of 33,513.83 NGN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

71.2296
65.8056
JanuMarcMayJulySeptNove

GHS to NGN 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 68.2545, compared to 67.9431 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.3114 points.

H1 Avg (Jan–Jun) 68.2545
H2 Avg (Jul–Dec) 67.9431

Volatility Range Comparison

Volatility

The most volatile month in 2021 was February, with a trading range of 6.1003 NGN (High: 71.2988 / Low: 65.1985). On the other end, October was the most stable month, with a tight range of 0.9238 NGN (High: 68.2066 / Low: 67.2828).

February Spread (Volatile) ±6.1003
October Spread (Stable) ±0.9238

Growth Streaks & Declines

Trends

Between January and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between June and July, when the average rate fell by 1.4824 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -1.4824

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2021: 70.0193) against the same month in 2020 (average: 67.3783), the exchange rate shifted by +2.6411 (+3.92%).

2021 Avg (May) 70.0193
2020 Avg (May) 67.3783

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 67.7098 64.9404 66.2576
February 71.2988 65.1985 67.2881
March 71.5868 66.2021 67.5608
April 71.1049 65.6470 67.6237
May 71.6431 65.8067 70.0193
June 71.2597 70.1126 70.7776
July 70.2818 68.7894 69.2951
August 69.1598 68.0457 68.3775
September 69.0588 67.9259 68.2202
October 68.2066 67.2828 67.7072
November 67.8365 66.6488 67.1144
December 67.5473 66.5577 66.9443