2020 HTG to GHS Historical Review

YEARLY HIGH

0.0933 GHS

YEARLY LOW

0.0511 GHS

YEARLY AVERAGE

0.0636 GHS

2020 HTG to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HTG to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on October 22, valuing the pair at 0.0933. Conversely, the yearly low was recorded on September 6, dropping to 0.0511.

This high-to-low spread represents a total annual volatility of 0.0421 GHS. From a start-to-finish perspective, comparing the January average rate of 0.0576 to the December average rate of 0.0840, the exchange rate registered a net change of 45.91% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0933 was down 43.51% compared to the 2019 peak of 0.1651, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 HTG based on timing:

Yearly Peak High 466 GHS

2019 Average 299 GHS

Yearly Trough Low 256 GHS

Transaction Impact: A difference of 210.59 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0956

0.0476

JanuMarcMayJulySeptNove

HTG to GHS 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 0.0566, compared to 0.0707 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0141 points.

H1 Avg (Jan–Jun) 0.0566

H2 Avg (Jul–Dec) 0.0707

Volatility Range Comparison

Volatility

The most volatile month in 2020 was December, with a trading range of 0.0084 GHS (High: 0.0891 / Low: 0.0807). On the other end, August was the most stable month, with a tight range of 0.0009 GHS (High: 0.0522 / Low: 0.0513).

December Spread (Volatile) ±0.0084

August Spread (Stable) ±0.0009

Growth Streaks & Declines

Trends

Between February and April, 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 November and December, when the average rate fell by 0.0069 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0069

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 0.0916) against the same month in 2019 (average: 0.0567), the exchange rate shifted by +0.0349 (+61.46%).

2020 Avg (October) 0.0916

2019 Avg (October) 0.0567

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0601	0.0554	0.0576
February	0.0611	0.0528	0.0552
March	0.0611	0.0575	0.0592
April	0.0614	0.0587	0.0599
May	0.0554	0.0533	0.0543
June	0.0542	0.0527	0.0535
July	0.0531	0.0518	0.0524
August	0.0522	0.0513	0.0516
September	0.0551	0.0511	0.0536
October	0.0933	0.0861	0.0916
November	0.0928	0.0886	0.0909
December	0.0891	0.0807	0.0840