2021 GHS to NZD Historical Review

YEARLY HIGH

0.2497 NZD

YEARLY LOW

0.2280 NZD

YEARLY AVERAGE

0.2388 NZD

2021 GHS to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the GHS to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 24, valuing the pair at 0.2497. Conversely, the yearly low was recorded on October 28, dropping to 0.2280.

This high-to-low spread represents a total annual volatility of 0.0217 NZD. From a start-to-finish perspective, comparing the January average rate of 0.2378 to the December average rate of 0.2399, the exchange rate registered a net change of 0.90% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2497 was down 20.34% compared to the 2020 peak of 0.3135, 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 1,249 NZD

2020 Average 1,345 NZD

Yearly Trough Low 1,140 NZD

Transaction Impact: A difference of 108.38 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2453

0.2320

JanuMarcMayJulySeptNove

GHS to NZD 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 0.2409, compared to 0.2368 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0041 points.

H1 Avg (Jan–Jun) 0.2409

H2 Avg (Jul–Dec) 0.2368

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 0.0109 NZD (High: 0.2390 / Low: 0.2280). On the other end, May was the most stable month, with a tight range of 0.0053 NZD (High: 0.2422 / Low: 0.2369).

October Spread (Volatile) ±0.0109

May Spread (Stable) ±0.0053

Growth Streaks & Declines

Trends

Between January and March, 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 August and September, when the average rate fell by 0.0033 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0033

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2021: 0.2442) against the same month in 2020 (average: 0.2967), the exchange rate shifted by -0.0526 (-17.71%).

2021 Avg (March) 0.2442

2020 Avg (March) 0.2967

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2410	0.2335	0.2378
February	0.2405	0.2333	0.2382
March	0.2497	0.2388	0.2442
April	0.2469	0.2380	0.2431
May	0.2422	0.2369	0.2397
June	0.2490	0.2381	0.2425
July	0.2453	0.2385	0.2411
August	0.2433	0.2348	0.2382
September	0.2412	0.2308	0.2348
October	0.2390	0.2280	0.2335
November	0.2389	0.2283	0.2331
December	0.2439	0.2372	0.2399