2020 GMD to HNL Historical Review

YEARLY HIGH

0.4952 HNL

YEARLY LOW

0.4668 HNL

YEARLY AVERAGE

0.4806 HNL

2020 GMD to HNL Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the GMD to HNL exchange rate experienced significant fluctuation. The market reached its absolute peak on January 14, valuing the pair at 0.4952. Conversely, the yearly low was recorded on December 27, dropping to 0.4668.

This high-to-low spread represents a total annual volatility of 0.0284 HNL. From a start-to-finish perspective, comparing the January average rate of 0.4843 to the December average rate of 0.4684, the exchange rate registered a net change of -3.28% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4952 was down 2.38% compared to the 2019 peak of 0.5073, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,476 HNL

2019 Average 2,451 HNL

Yearly Trough Low 2,334 HNL

Transaction Impact: A difference of 142.23 HNL purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4905

0.4664

JanuMarcMayJulySeptNove

GMD to HNL 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 0.4862, compared to 0.4750 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0112 points.

H1 Avg (Jan–Jun) 0.4862

H2 Avg (Jul–Dec) 0.4750

Volatility Range Comparison

Volatility

The most volatile month in 2020 was January, with a trading range of 0.0148 HNL (High: 0.4952 / Low: 0.4804). On the other end, December was the most stable month, with a tight range of 0.0028 HNL (High: 0.4696 / Low: 0.4668).

January Spread (Volatile) ±0.0148

December Spread (Stable) ±0.0028

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 July and August, when the average rate fell by 0.0036 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0036

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.4843) against the same month in 2019 (average: 0.4935), the exchange rate shifted by -0.0093 (-1.88%).

2020 Avg (January) 0.4843

2019 Avg (January) 0.4935

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.4952	0.4804	0.4843
February	0.4907	0.4818	0.4864
March	0.4913	0.4823	0.4885
April	0.4902	0.4849	0.4885
May	0.4894	0.4824	0.4862
June	0.4849	0.4804	0.4832
July	0.4832	0.4776	0.4808
August	0.4817	0.4745	0.4772
September	0.4795	0.4755	0.4773
October	0.4763	0.4734	0.4748
November	0.4748	0.4684	0.4714
December	0.4696	0.4668	0.4684