2015 HNL to NZD Historical Review

YEARLY HIGH

0.0731 NZD

YEARLY LOW

0.0589 NZD

YEARLY AVERAGE

0.0661 NZD

2015 HNL to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2015

During 2015, the HNL to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on September 7, valuing the pair at 0.0731. Conversely, the yearly low was recorded on April 28, dropping to 0.0589.

This high-to-low spread represents a total annual volatility of 0.0142 NZD. From a start-to-finish perspective, comparing the January average rate of 0.0622 to the December average rate of 0.0677, the exchange rate registered a net change of 8.73% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2015 high of 0.0731 was up 17.69% compared to the 2014 peak of 0.0621, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 366 NZD

2014 Average 296 NZD

Yearly Trough Low 295 NZD

Transaction Impact: A difference of 70.99 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2015.

0.0733

0.0601

JanuMarcMayJulySeptNove

HNL 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 0.0628, compared to 0.0693 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0065 points.

H1 Avg (Jan–Jun) 0.0628

H2 Avg (Jul–Dec) 0.0693

Volatility Range Comparison

Volatility

The most volatile month in 2015 was October, with a trading range of 0.0049 NZD (High: 0.0714 / Low: 0.0665). On the other end, September was the most stable month, with a tight range of 0.0017 NZD (High: 0.0731 / Low: 0.0714).

October Spread (Volatile) ±0.0049

September Spread (Stable) ±0.0017

Growth Streaks & Declines

Trends

Between April and September, 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 September and October, when the average rate fell by 0.0040 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0040

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (September 2015: 0.0722) against the same month in 2014 (average: 0.0583), the exchange rate shifted by +0.0139 (+23.82%).

2015 Avg (September) 0.0722

2014 Avg (September) 0.0583

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0652	0.0607	0.0622
February	0.0651	0.0624	0.0635
March	0.0649	0.0604	0.0626
April	0.0627	0.0589	0.0612
May	0.0644	0.0604	0.0618
June	0.0674	0.0637	0.0657
July	0.0703	0.0679	0.0690
August	0.0719	0.0683	0.0697
September	0.0731	0.0714	0.0722
October	0.0714	0.0665	0.0681
November	0.0704	0.0670	0.0694
December	0.0688	0.0655	0.0677