2021 HNL to SBD Historical Review

YEARLY HIGH

0.3398 SBD

YEARLY LOW

0.3228 SBD

YEARLY AVERAGE

0.3328 SBD

2021 HNL to SBD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to SBD exchange rate experienced significant fluctuation. The market reached its absolute peak on July 30, valuing the pair at 0.3398. Conversely, the yearly low was recorded on January 6, dropping to 0.3228.

This high-to-low spread represents a total annual volatility of 0.0170 SBD. From a start-to-finish perspective, comparing the January average rate of 0.3302 to the December average rate of 0.3331, the exchange rate registered a net change of 0.89% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.3398 was down 1.13% compared to the 2020 peak of 0.3437, 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 1,699 SBD

2020 Average 1,664 SBD

Yearly Trough Low 1,614 SBD

Transaction Impact: A difference of 84.81 SBD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.3395

0.3285

JanuMarcMayJulySeptNove

HNL to SBD 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 0.3308, compared to 0.3348 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0041 points.

H1 Avg (Jan–Jun) 0.3308

H2 Avg (Jul–Dec) 0.3348

Volatility Range Comparison

Volatility

The most volatile month in 2021 was January, with a trading range of 0.0106 SBD (High: 0.3335 / Low: 0.3228). On the other end, November was the most stable month, with a tight range of 0.0026 SBD (High: 0.3343 / Low: 0.3317).

January Spread (Volatile) ±0.0106

November Spread (Stable) ±0.0026

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 0.0042 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0042

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2021: 0.3368) against the same month in 2020 (average: 0.3344), the exchange rate shifted by +0.0023 (+0.70%).

2021 Avg (July) 0.3368

2020 Avg (July) 0.3344

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3335	0.3228	0.3302
February	0.3317	0.3282	0.3302
March	0.3355	0.3266	0.3295
April	0.3331	0.3296	0.3315
May	0.3335	0.3296	0.3308
June	0.3355	0.3310	0.3325
July	0.3398	0.3345	0.3368
August	0.3395	0.3362	0.3386
September	0.3376	0.3324	0.3344
October	0.3350	0.3320	0.3333
November	0.3343	0.3317	0.3329
December	0.3349	0.3314	0.3331