2020 HNL to NZD Historical Review

YEARLY HIGH

0.0714 NZD

YEARLY LOW

0.0573 NZD

YEARLY AVERAGE

0.0623 NZD

2020 HNL to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 22, valuing the pair at 0.0714. Conversely, the yearly low was recorded on December 30, dropping to 0.0573.

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 0.0610 to the December average rate of 0.0581, the exchange rate registered a net change of -4.75% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0714 was down 30.45% compared to the 2019 peak of 0.1027, 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 357 NZD

2019 Average 309 NZD

Yearly Trough Low 286 NZD

Transaction Impact: A difference of 70.78 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0677

0.0573

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 0.0642, compared to 0.0603 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0039 points.

H1 Avg (Jan–Jun) 0.0642

H2 Avg (Jul–Dec) 0.0603

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0082 NZD (High: 0.0714 / Low: 0.0632). On the other end, October was the most stable month, with a tight range of 0.0011 NZD (High: 0.0619 / Low: 0.0608).

March Spread (Volatile) ±0.0082

October Spread (Stable) ±0.0011

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between May and June, when the average rate fell by 0.0036 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0036

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 0.0666) against the same month in 2019 (average: 0.0597), the exchange rate shifted by +0.0069 (+11.58%).

2020 Avg (March) 0.0666

2019 Avg (March) 0.0597

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0623	0.0598	0.0610
February	0.0642	0.0621	0.0630
March	0.0714	0.0632	0.0666
April	0.0686	0.0654	0.0668
May	0.0674	0.0645	0.0658
June	0.0639	0.0610	0.0622
July	0.0619	0.0600	0.0610
August	0.0622	0.0601	0.0612
September	0.0620	0.0598	0.0607
October	0.0619	0.0608	0.0613
November	0.0617	0.0586	0.0596
December	0.0587	0.0573	0.0581