2020 HNL to TJS Historical Review

YEARLY HIGH

0.4692 TJS

YEARLY LOW

0.3830 TJS

YEARLY AVERAGE

0.4171 TJS

2020 HNL to TJS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HNL to TJS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 25, valuing the pair at 0.4692. Conversely, the yearly low was recorded on January 14, dropping to 0.3830.

This high-to-low spread represents a total annual volatility of 0.0861 TJS. From a start-to-finish perspective, comparing the January average rate of 0.3911 to the December average rate of 0.4672, the exchange rate registered a net change of 19.45% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4692 was down 27.94% compared to the 2019 peak of 0.6511, 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 2,346 TJS

2019 Average 1,942 TJS

Yearly Trough Low 1,915 TJS

Transaction Impact: A difference of 430.66 TJS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4748

0.3829

JanuMarcMayJulySeptNove

HNL to TJS 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 0.4018, compared to 0.4323 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0305 points.

H1 Avg (Jan–Jun) 0.4018

H2 Avg (Jul–Dec) 0.4323

Volatility Range Comparison

Volatility

The most volatile month in 2020 was November, with a trading range of 0.0468 TJS (High: 0.4670 / Low: 0.4202). On the other end, October was the most stable month, with a tight range of 0.0032 TJS (High: 0.4217 / Low: 0.4186).

November Spread (Volatile) ±0.0468

October Spread (Stable) ±0.0032

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 January and February, when the average rate fell by 0.0005 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0005

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.4672) against the same month in 2019 (average: 0.4003), the exchange rate shifted by +0.0669 (+16.72%).

2020 Avg (December) 0.4672

2019 Avg (December) 0.4003

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3950	0.3830	0.3911
February	0.3937	0.3882	0.3906
March	0.4109	0.3882	0.3951
April	0.4126	0.4078	0.4107
May	0.4139	0.4082	0.4105
June	0.4153	0.4109	0.4129
July	0.4165	0.4133	0.4142
August	0.4200	0.4136	0.4173
September	0.4194	0.4159	0.4177
October	0.4217	0.4186	0.4202
November	0.4670	0.4202	0.4574
December	0.4692	0.4659	0.4672