2021 SGD to GHS Historical Review

YEARLY HIGH

4.5648 GHS

YEARLY LOW

4.2434 GHS

YEARLY AVERAGE

4.4075 GHS

2021 SGD to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SGD to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 30, valuing the pair at 4.5648. Conversely, the yearly low was recorded on March 8, dropping to 4.2434.

This high-to-low spread represents a total annual volatility of 0.3214 GHS. From a start-to-finish perspective, comparing the January average rate of 4.4138 to the December average rate of 4.5056, the exchange rate registered a net change of 2.08% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 4.5648 was up 2.17% compared to the 2020 peak of 4.4680, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 22,824 GHS

2020 Average 20,798 GHS

Yearly Trough Low 21,217 GHS

Transaction Impact: A difference of 1,607.02 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

4.5339

4.2538

JanuMarcMayJulySeptNove

SGD 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 4.3470, compared to 4.4680 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1210 points.

H1 Avg (Jan–Jun) 4.3470

H2 Avg (Jul–Dec) 4.4680

Volatility Range Comparison

Volatility

The most volatile month in 2021 was December, with a trading range of 0.1142 GHS (High: 4.5648 / Low: 4.4505). On the other end, November was the most stable month, with a tight range of 0.0561 GHS (High: 4.5381 / Low: 4.4821).

December Spread (Volatile) ±0.1142

November Spread (Stable) ±0.0561

Growth Streaks & Declines

Trends

Between March and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0871 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0871

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 4.5056) against the same month in 2020 (average: 4.4054), the exchange rate shifted by +0.1002 (+2.28%).

2021 Avg (December) 4.5056

2020 Avg (December) 4.4054

मासिक विश्लेषण

प्रत्येक कॅलेंडर महिन्यासाठी सांख्यिकीय सारांश.

Month	High	Low	Average
January	4.4665	4.3793	4.4138
February	4.3890	4.3143	4.3642
March	4.3200	4.2434	4.2771
April	4.3627	4.2806	4.3273
May	4.3842	4.3187	4.3431
June	4.3957	4.3057	4.3564
July	4.4202	4.3385	4.3802
August	4.4926	4.3829	4.4425
September	4.5167	4.4268	4.4766
October	4.5346	4.4526	4.4927
November	4.5381	4.4821	4.5105
December	4.5648	4.4505	4.5056

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