2021 HTG to NZD Historical Review

YEARLY HIGH

0.0194 NZD

YEARLY LOW

0.0138 NZD

YEARLY AVERAGE

0.0160 NZD

2021 HTG to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HTG to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 1, valuing the pair at 0.0194. Conversely, the yearly low was recorded on October 28, dropping to 0.0138.

This high-to-low spread represents a total annual volatility of 0.0057 NZD. From a start-to-finish perspective, comparing the January average rate of 0.0191 to the December average rate of 0.0146, the exchange rate registered a net change of -23.23% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.0194 was down 20.23% compared to the 2020 peak of 0.0244, 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 97 NZD

2020 Average 85 NZD

Yearly Trough Low 69 NZD

Transaction Impact: A difference of 28.41 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.0196

0.0138

JanuMarcMayJulySeptNove

HTG to NZD 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 0.0173, compared to 0.0146 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0027 points.

H1 Avg (Jan–Jun) 0.0173

H2 Avg (Jul–Dec) 0.0146

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0017 NZD (High: 0.0178 / Low: 0.0161). On the other end, December was the most stable month, with a tight range of 0.0007 NZD (High: 0.0150 / Low: 0.0143).

April Spread (Volatile) ±0.0017

December Spread (Stable) ±0.0007

Growth Streaks & Declines

Trends

Between October and December, 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 April and May, when the average rate fell by 0.0014 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0014

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 0.0191) against the same month in 2020 (average: 0.0154), the exchange rate shifted by +0.0037 (+23.90%).

2021 Avg (January) 0.0191

2020 Avg (January) 0.0154

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0194	0.0187	0.0191
February	0.0194	0.0178	0.0187
March	0.0186	0.0177	0.0179
April	0.0178	0.0161	0.0171
May	0.0163	0.0150	0.0157
June	0.0157	0.0149	0.0153
July	0.0157	0.0149	0.0152
August	0.0153	0.0144	0.0147
September	0.0148	0.0141	0.0144
October	0.0147	0.0138	0.0143
November	0.0149	0.0141	0.0145
December	0.0150	0.0143	0.0146