2020 LRD to GHS Historical Review

YEARLY HIGH

0.0376 GHS

YEARLY LOW

0.0270 GHS

YEARLY AVERAGE

0.0301 GHS

2020 LRD to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the LRD to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 7, valuing the pair at 0.0376. Conversely, the yearly low was recorded on February 24, dropping to 0.0270.

This high-to-low spread represents a total annual volatility of 0.0106 GHS. From a start-to-finish perspective, comparing the January average rate of 0.0295 to the December average rate of 0.0364, the exchange rate registered a net change of 23.24% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.0376 was down 53.16% compared to the 2019 peak of 0.0803, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 188 GHS

2019 Average 146 GHS

Yearly Trough Low 135 GHS

Transaction Impact: A difference of 53.12 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.0373

0.0265

JanuMarcMayJulySeptNove

LRD 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 0.0287, compared to 0.0314 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0027 points.

H1 Avg (Jan–Jun) 0.0287

H2 Avg (Jul–Dec) 0.0314

Volatility Range Comparison

Volatility

The most volatile month in 2020 was November, with a trading range of 0.0055 GHS (High: 0.0374 / Low: 0.0318). On the other end, August was the most stable month, with a tight range of 0.0001 GHS (High: 0.0290 / Low: 0.0289).

November Spread (Volatile) ±0.0055

August Spread (Stable) ±0.0001

Growth Streaks & Declines

Trends

Between August and December, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0022 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0022

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.0364) against the same month in 2019 (average: 0.0302), the exchange rate shifted by +0.0062 (+20.46%).

2020 Avg (December) 0.0364

2019 Avg (December) 0.0302

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.0304	0.0282	0.0295
February	0.0282	0.0270	0.0274
March	0.0292	0.0273	0.0282
April	0.0294	0.0287	0.0292
May	0.0293	0.0290	0.0291
June	0.0292	0.0289	0.0291
July	0.0292	0.0288	0.0290
August	0.0290	0.0289	0.0290
September	0.0292	0.0290	0.0291
October	0.0319	0.0291	0.0300
November	0.0374	0.0318	0.0353
December	0.0376	0.0358	0.0364