2021 HNL to NZD Historical Review

YEARLY HIGH

0.0617 NZD

YEARLY LOW

0.0550 NZD

YEARLY AVERAGE

0.0587 NZD

2021 HNL to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on August 19, valuing the pair at 0.0617. Conversely, the yearly low was recorded on January 6, dropping to 0.0550.

This high-to-low spread represents a total annual volatility of 0.0067 NZD. From a start-to-finish perspective, comparing the January average rate of 0.0574 to the December average rate of 0.0607, the exchange rate registered a net change of 5.72% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0617 was down 13.55% compared to the 2020 peak of 0.0714, 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 309 NZD

2020 Average 311 NZD

Yearly Trough Low 275 NZD

Transaction Impact: A difference of 33.64 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0611

0.0566

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 0.0578, compared to 0.0596 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0018 points.

H1 Avg (Jan–Jun) 0.0578

H2 Avg (Jul–Dec) 0.0596

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.0033 NZD (High: 0.0583 / Low: 0.0550). On the other end, May was the most stable month, with a tight range of 0.0010 NZD (High: 0.0580 / Low: 0.0569).

January Spread (Volatile) ±0.0033

May Spread (Stable) ±0.0010

Growth Streaks & Declines

Trends

Between May and August, 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 August and September, when the average rate fell by 0.0015 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0015

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (August 2021: 0.0603) against the same month in 2020 (average: 0.0612), the exchange rate shifted by -0.0010 (-1.58%).

2021 Avg (August) 0.0603

2020 Avg (August) 0.0612

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0583	0.0550	0.0574
February	0.0576	0.0553	0.0569
March	0.0595	0.0564	0.0579
April	0.0593	0.0570	0.0583
May	0.0580	0.0569	0.0574
June	0.0598	0.0572	0.0586
July	0.0607	0.0593	0.0599
August	0.0617	0.0592	0.0603
September	0.0603	0.0580	0.0588
October	0.0601	0.0575	0.0587
November	0.0607	0.0577	0.0591
December	0.0614	0.0599	0.0607