2020 HTG to NAD Historical Review

YEARLY HIGH

0.2871 NAD

YEARLY LOW

0.1445 NAD

YEARLY AVERAGE

0.1815 NAD

2020 HTG to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the HTG to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on October 7, valuing the pair at 0.2871. Conversely, the yearly low was recorded on January 11, dropping to 0.1445.

This high-to-low spread represents a total annual volatility of 0.1426 NAD. From a start-to-finish perspective, comparing the January average rate of 0.1462 to the December average rate of 0.2130, the exchange rate registered a net change of 45.73% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.2871 was down 31.52% compared to the 2019 peak of 0.4193, 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 1,436 NAD

2019 Average 806 NAD

Yearly Trough Low 723 NAD

Transaction Impact: A difference of 712.99 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.2735

0.1346

JanuMarcMayJulySeptNove

HTG to NAD 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 0.1663, compared to 0.1966 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0303 points.

H1 Avg (Jan–Jun) 0.1663

H2 Avg (Jul–Dec) 0.1966

Volatility Range Comparison

Volatility

The most volatile month in 2020 was October, with a trading range of 0.0397 NAD (High: 0.2871 / Low: 0.2474). On the other end, January was the most stable month, with a tight range of 0.0061 NAD (High: 0.1506 / Low: 0.1445).

October Spread (Volatile) ±0.0397

January Spread (Stable) ±0.0061

Growth Streaks & Declines

Trends

Between January and April, 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 November and December, when the average rate fell by 0.0293 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0293

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 0.2619) against the same month in 2019 (average: 0.1551), the exchange rate shifted by +0.1069 (+68.90%).

2020 Avg (October) 0.2619

2019 Avg (October) 0.1551

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.1506	0.1445	0.1462
February	0.1743	0.1471	0.1536
March	0.1883	0.1629	0.1765
April	0.1982	0.1853	0.1925
May	0.1772	0.1634	0.1710
June	0.1630	0.1545	0.1584
July	0.1560	0.1484	0.1519
August	0.1583	0.1494	0.1549
September	0.1626	0.1469	0.1556
October	0.2871	0.2474	0.2619
November	0.2581	0.2317	0.2423
December	0.2329	0.2016	0.2130