2020 MAD to PEN Historical Review

YEARLY HIGH

0.4071 PEN

YEARLY LOW

0.3284 PEN

YEARLY AVERAGE

0.3687 PEN

2020 MAD to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the MAD to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.4071. Conversely, the yearly low was recorded on April 8, dropping to 0.3284.

This high-to-low spread represents a total annual volatility of 0.0786 PEN. From a start-to-finish perspective, comparing the January average rate of 0.3461 to the December average rate of 0.4009, the exchange rate registered a net change of 15.82% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.4071 was up 14.39% compared to the 2019 peak of 0.3559, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,035 PEN

2019 Average 1,735 PEN

Yearly Trough Low 1,642 PEN

Transaction Impact: A difference of 393.23 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.4074

0.3291

JanuMarcMayJulySeptNove

MAD to PEN 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 0.3497, compared to 0.3876 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0379 points.

H1 Avg (Jan–Jun) 0.3497

H2 Avg (Jul–Dec) 0.3876

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0302 PEN (High: 0.3707 / Low: 0.3405). On the other end, October was the most stable month, with a tight range of 0.0068 PEN (High: 0.3936 / Low: 0.3868).

March Spread (Volatile) ±0.0302

October Spread (Stable) ±0.0068

Growth Streaks & Declines

Trends

Between April and August, 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 March and April, when the average rate fell by 0.0247 points.

Longest Streak 4 Mo.

Sharpest MoM Drop -0.0247

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2020: 0.4009) against the same month in 2019 (average: 0.3484), the exchange rate shifted by +0.0525 (+15.08%).

2020 Avg (December) 0.4009

2019 Avg (December) 0.3484

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3527	0.3438	0.3461
February	0.3599	0.3473	0.3504
March	0.3707	0.3405	0.3604
April	0.3414	0.3284	0.3356
May	0.3510	0.3412	0.3469
June	0.3651	0.3503	0.3590
July	0.3790	0.3628	0.3682
August	0.3897	0.3780	0.3856
September	0.3894	0.3816	0.3855
October	0.3936	0.3868	0.3905
November	0.4010	0.3903	0.3950
December	0.4071	0.3860	0.4009