2020 GHS to PEN Historical Review

YEARLY HIGH

0.6400 PEN

YEARLY LOW

0.5787 PEN

YEARLY AVERAGE

0.6096 PEN

2020 GHS to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the GHS to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on February 28, valuing the pair at 0.6400. Conversely, the yearly low was recorded on January 5, dropping to 0.5787.

This high-to-low spread represents a total annual volatility of 0.0613 PEN. From a start-to-finish perspective, comparing the January average rate of 0.5884 to the December average rate of 0.6136, the exchange rate registered a net change of 4.28% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.6400 was down 8.17% compared to the 2019 peak of 0.6969, 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 3,200 PEN

2019 Average 3,110 PEN

Yearly Trough Low 2,894 PEN

Transaction Impact: A difference of 306.32 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.6346

0.5842

JanuMarcMayJulySeptNove

GHS to PEN 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 0.6042, compared to 0.6151 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0109 points.

H1 Avg (Jan–Jun) 0.6042

H2 Avg (Jul–Dec) 0.6151

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0487 PEN (High: 0.6400 / Low: 0.5913). On the other end, July was the most stable month, with a tight range of 0.0072 PEN (High: 0.6128 / Low: 0.6057).

March Spread (Volatile) ±0.0487

July Spread (Stable) ±0.0072

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 March and April, when the average rate fell by 0.0363 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0363

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2020: 0.6304) against the same month in 2019 (average: 0.6318), the exchange rate shifted by -0.0014 (-0.22%).

2020 Avg (February) 0.6304

2019 Avg (February) 0.6318

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.6155	0.5787	0.5884
February	0.6400	0.6155	0.6304
March	0.6400	0.5913	0.6252
April	0.5993	0.5809	0.5888
May	0.5971	0.5811	0.5916
June	0.6109	0.5885	0.6006
July	0.6128	0.6057	0.6088
August	0.6217	0.6102	0.6168
September	0.6214	0.6101	0.6144
October	0.6252	0.6142	0.6186
November	0.6280	0.6136	0.6184
December	0.6175	0.6032	0.6136