YEARLY HIGH
108.4863 DJF
YEARLY LOW
98.3238 DJF
YEARLY AVERAGE
103.4933 DJF

2025 NZD to DJF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2025

During 2025, the NZD to DJF exchange rate experienced significant fluctuation. The market reached its absolute peak on July 1, valuing the pair at 108.4863. Conversely, the yearly low was recorded on April 8, dropping to 98.3238.

This high-to-low spread represents a total annual volatility of 10.1624 DJF. From a start-to-finish perspective, comparing the January average rate of 100.0568 to the December average rate of 102.9483, the exchange rate registered a net change of 2.89% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2025 high of 108.4863 was down 3.92% compared to the 2024 peak of 112.9175, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 542,431 DJF
2024 Average 537,879 DJF
Yearly Trough Low 491,619 DJF
Transaction Impact: A difference of 50,812.14 DJF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2025.

107.8735
99.3461
JanuMarcMayJulySeptNove

NZD to DJF 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 103.2649, compared to 103.7217 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.4569 points.

H1 Avg (Jan–Jun) 103.2649
H2 Avg (Jul–Dec) 103.7217

Volatility Range Comparison

Volatility

The most volatile month in 2025 was April, with a trading range of 8.3085 DJF (High: 106.6324 / Low: 98.3238). On the other end, December was the most stable month, with a tight range of 1.7981 DJF (High: 103.8159 / Low: 102.0178).

April Spread (Volatile) ±8.3085
December Spread (Stable) ±1.7981

Growth Streaks & Declines

Trends

Between January and June, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 5 straight months. Conversely, the sharpest month-over-month decline occurred between September and October, when the average rate fell by 2.1102 points.

Longest Streak 5 Mo.
Sharpest MoM Drop -2.1102

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2025: 106.7121) against the same month in 2024 (average: 107.2797), the exchange rate shifted by -0.5676 (-0.53%).

2025 Avg (July) 106.7121
2024 Avg (July) 107.2797

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 101.5190 98.8901 100.0568
February 102.4713 99.2935 101.1273
March 103.5288 99.2935 101.6855
April 106.6324 98.3238 103.8390
May 107.4242 104.2179 105.7178
June 108.3330 106.0077 107.1628
July 108.4863 104.7084 106.7121
August 106.3607 103.3550 104.9579
September 106.5156 102.3731 104.5680
October 104.1190 101.4350 102.4577
November 101.9032 99.4100 100.6863
December 103.8159 102.0178 102.9483