2020 HNL to SDG Historical Review

YEARLY HIGH

2.2873 SDG

YEARLY LOW

1.7832 SDG

YEARLY AVERAGE

2.1903 SDG

2020 HNL to SDG Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to SDG exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 2.2873. Conversely, the yearly low was recorded on January 14, dropping to 1.7832.

This high-to-low spread represents a total annual volatility of 0.5041 SDG. From a start-to-finish perspective, comparing the January average rate of 1.8282 to the December average rate of 2.2799, the exchange rate registered a net change of 24.71% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 2.2873 was down 24.62% compared to the 2019 peak of 3.0344, 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 11,437 SDG

2019 Average 9,358 SDG

Yearly Trough Low 8,916 SDG

Transaction Impact: A difference of 2,520.41 SDG purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

2.3251

1.7830

JanuMarcMayJulySeptNove

HNL to SDG 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 2.1316, compared to 2.2491 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1175 points.

H1 Avg (Jan–Jun) 2.1316

H2 Avg (Jul–Dec) 2.2491

Volatility Range Comparison

Volatility

The most volatile month in 2020 was February, with a trading range of 0.2219 SDG (High: 2.1941 / Low: 1.9722). On the other end, October was the most stable month, with a tight range of 0.0124 SDG (High: 2.2561 / Low: 2.2437).

February Spread (Volatile) ±0.2219

October Spread (Stable) ±0.0124

Growth Streaks & Declines

Trends

Between May and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0046 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0046

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 2.2799) against the same month in 2019 (average: 1.8648), the exchange rate shifted by +0.4151 (+22.26%).

2020 Avg (December) 2.2799

2019 Avg (December) 1.8648

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.9722	1.7832	1.8282
February	2.1941	1.9722	2.0878
March	2.2536	2.1941	2.2212
April	2.2351	2.2120	2.2198
May	2.2280	2.2103	2.2151
June	2.2286	2.2127	2.2174
July	2.2366	2.2164	2.2230
August	2.2498	2.2164	2.2370
September	2.2461	2.2298	2.2386
October	2.2561	2.2437	2.2493
November	2.2804	2.2506	2.2665
December	2.2873	2.2744	2.2799