2021 HNL to STD Historical Review

YEARLY HIGH

881.4083 STD

YEARLY LOW

823.1133 STD

YEARLY AVERAGE

859.6097 STD

2021 HNL to STD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HNL to STD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 8, valuing the pair at 881.4083. Conversely, the yearly low was recorded on January 6, dropping to 823.1133.

This high-to-low spread represents a total annual volatility of 58.2949 STD. From a start-to-finish perspective, comparing the January average rate of 843.7537 to the December average rate of 873.7108, the exchange rate registered a net change of 3.55% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 881.4083 was down 2.25% compared to the 2020 peak of 901.6538, 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 4,407,041 STD

2020 Average 4,349,067 STD

Yearly Trough Low 4,115,567 STD

Transaction Impact: A difference of 291,474.70 STD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

877.0088

837.4327

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 851.4230, compared to 867.7964 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 16.3734 points.

H1 Avg (Jan–Jun) 851.4230

H2 Avg (Jul–Dec) 867.7964

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 29.1146 STD (High: 864.3289 / Low: 835.2143). On the other end, October was the most stable month, with a tight range of 8.1864 STD (High: 871.2182 / Low: 863.0319).

March Spread (Volatile) ±29.1146

October Spread (Stable) ±8.1864

Growth Streaks & Declines

Trends

Between September and December, 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 11.3855 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -11.3855

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 873.7108) against the same month in 2020 (average: 852.7627), the exchange rate shifted by +20.9481 (+2.46%).

2021 Avg (December) 873.7108

2020 Avg (December) 852.7627

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	850.2264	823.1133	843.7537
February	844.5457	831.4706	840.7308
March	864.3289	835.2143	848.9599
April	867.5359	857.1954	861.2029
May	868.3887	858.6705	860.7459
June	860.8184	843.8619	853.1452
July	872.5093	855.7523	863.2027
August	877.7679	864.2212	871.7927
September	870.3314	854.4062	860.4072
October	871.2182	863.0319	866.8166
November	879.2211	865.2487	870.8486
December	881.4083	866.5542	873.7108