2019 NAD to GHS Historical Review

YEARLY HIGH

0.4065 GHS

YEARLY LOW

0.3368 GHS

YEARLY AVERAGE

0.3715 GHS

2019 NAD to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2019

During 2019, the NAD to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 31, valuing the pair at 0.4065. Conversely, the yearly low was recorded on January 5, dropping to 0.3368.

This high-to-low spread represents a total annual volatility of 0.0697 GHS. From a start-to-finish perspective, comparing the January average rate of 0.3531 to the December average rate of 0.3955, the exchange rate registered a net change of 12.02% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2019 high of 0.4065 was up 5.05% compared to the 2018 peak of 0.3869, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,032 GHS

2018 Average 1,777 GHS

Yearly Trough Low 1,684 GHS

Transaction Impact: A difference of 348.49 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2019.

0.3997

0.3488

JanuMarcMayJulySeptNove

NAD 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 0.3683, compared to 0.3748 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0064 points.

H1 Avg (Jan–Jun) 0.3683

H2 Avg (Jul–Dec) 0.3748

Volatility Range Comparison

Volatility

The most volatile month in 2019 was March, with a trading range of 0.0434 GHS (High: 0.3978 / Low: 0.3543). On the other end, July was the most stable month, with a tight range of 0.0109 GHS (High: 0.3891 / Low: 0.3782).

March Spread (Volatile) ±0.0434

July Spread (Stable) ±0.0109

Growth Streaks & Declines

Trends

Between May and July, 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 July and August, when the average rate fell by 0.0255 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.0255

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2019: 0.3955) against the same month in 2018 (average: 0.3456), the exchange rate shifted by +0.0499 (+14.44%).

2019 Avg (December) 0.3955

2018 Avg (December) 0.3456

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3730	0.3368	0.3531
February	0.3929	0.3715	0.3818
March	0.3978	0.3543	0.3775
April	0.3797	0.3551	0.3656
May	0.3937	0.3565	0.3618
June	0.3843	0.3565	0.3703
July	0.3891	0.3782	0.3844
August	0.3789	0.3512	0.3589
September	0.3748	0.3572	0.3691
October	0.3787	0.3519	0.3660
November	0.3838	0.3633	0.3747
December	0.4065	0.3824	0.3955