2021 HTG to ZAR Historical Review

YEARLY HIGH

0.2145 ZAR

YEARLY LOW

0.1426 ZAR

YEARLY AVERAGE

0.1671 ZAR

2021 HTG to ZAR Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the HTG to ZAR exchange rate experienced significant fluctuation. The market reached its absolute peak on January 11, valuing the pair at 0.2145. Conversely, the yearly low was recorded on September 9, dropping to 0.1426.

This high-to-low spread represents a total annual volatility of 0.0719 ZAR. From a start-to-finish perspective, comparing the January average rate of 0.2072 to the December average rate of 0.1578, the exchange rate registered a net change of -23.84% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.2145 was down 19.14% compared to the 2020 peak of 0.2652, 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 1,072 ZAR

2020 Average 907 ZAR

Yearly Trough Low 713 ZAR

Transaction Impact: A difference of 359.56 ZAR purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.2131

0.1426

JanuMarcMayJulySeptNove

HTG to ZAR 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 0.1809, compared to 0.1532 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0277 points.

H1 Avg (Jan–Jun) 0.1809

H2 Avg (Jul–Dec) 0.1532

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0219 ZAR (High: 0.2061 / Low: 0.1842). On the other end, July was the most stable month, with a tight range of 0.0070 ZAR (High: 0.1569 / Low: 0.1499).

March Spread (Volatile) ±0.0219

July Spread (Stable) ±0.0070

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 April and May, when the average rate fell by 0.0163 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0163

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 0.2072) against the same month in 2020 (average: 0.1467), the exchange rate shifted by +0.0606 (+41.30%).

2021 Avg (January) 0.2072

2020 Avg (January) 0.1467

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2145	0.2008	0.2072
February	0.2094	0.1914	0.2003
March	0.2061	0.1842	0.1917
April	0.1835	0.1669	0.1757
May	0.1689	0.1501	0.1594
June	0.1567	0.1446	0.1512
July	0.1569	0.1499	0.1536
August	0.1565	0.1472	0.1521
September	0.1548	0.1426	0.1485
October	0.1540	0.1448	0.1497
November	0.1647	0.1509	0.1575
December	0.1636	0.1521	0.1578