2020 HNL to STD Historical Review

YEARLY HIGH

901.6538 STD

YEARLY LOW

841.0344 STD

YEARLY AVERAGE

869.8812 STD

2020 HNL to STD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to STD exchange rate experienced significant fluctuation. The market reached its absolute peak on March 29, valuing the pair at 901.6538. Conversely, the yearly low was recorded on September 15, dropping to 841.0344.

This high-to-low spread represents a total annual volatility of 60.6194 STD. From a start-to-finish perspective, comparing the January average rate of 869.9129 to the December average rate of 852.7627, the exchange rate registered a net change of -1.97% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 901.6538 was down 37.82% compared to the 2019 peak of 1450.0464, 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 4,508,269 STD

2019 Average 4,343,785 STD

Yearly Trough Low 4,205,172 STD

Transaction Impact: A difference of 303,096.90 STD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

892.5503

844.4691

JanuMarcMayJulySeptNove

HNL to STD 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 882.4189, compared to 857.3435 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 25.0754 points.

H1 Avg (Jan–Jun) 882.4189

H2 Avg (Jul–Dec) 857.3435

Volatility Range Comparison

Volatility

The most volatile month in 2020 was July, with a trading range of 27.8995 STD (High: 884.8471 / Low: 856.9476). On the other end, June was the most stable month, with a tight range of 5.1956 STD (High: 886.6307 / Low: 881.4351).

July Spread (Volatile) ±27.8995

June Spread (Stable) ±5.1956

Growth Streaks & Declines

Trends

Between January and March, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 22.0716 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -22.0716

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (March 2020: 888.5436) against the same month in 2019 (average: 858.5432), the exchange rate shifted by +30.0003 (+3.49%).

2020 Avg (March) 888.5436

2019 Avg (March) 858.5432

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	877.6484	852.0368	869.9129
February	894.8239	868.6861	883.9905
March	901.6538	884.5877	888.5436
April	891.2558	882.0277	885.2917
May	888.3966	880.9706	883.0654
June	886.6307	881.4351	883.7096
July	884.8471	856.9476	876.0165
August	861.9824	848.2090	853.9449
September	853.8512	841.0344	848.4759
October	857.8441	849.1402	854.1879
November	861.4688	851.5200	858.6731
December	863.2082	842.4582	852.7627