2020 PEN to BMD Historical Review

YEARLY HIGH

0.3025 BMD

YEARLY LOW

0.2729 BMD

YEARLY AVERAGE

0.2864 BMD

2020 PEN to BMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to BMD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 0.3025. Conversely, the yearly low was recorded on November 16, dropping to 0.2729.

This high-to-low spread represents a total annual volatility of 0.0296 BMD. From a start-to-finish perspective, comparing the January average rate of 0.3007 to the December average rate of 0.2777, the exchange rate registered a net change of -7.64% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.3025 was down 0.75% compared to the 2019 peak of 0.3047, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 1,512 BMD

2019 Average 1,499 BMD

Yearly Trough Low 1,364 BMD

Transaction Impact: A difference of 147.84 BMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.3031

0.2748

JanuMarcMayJulySeptNove

PEN to BMD 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 0.2928, compared to 0.2799 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0129 points.

H1 Avg (Jan–Jun) 0.2928

H2 Avg (Jul–Dec) 0.2799

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0167 BMD (High: 0.2966 / Low: 0.2799). On the other end, December was the most stable month, with a tight range of 0.0027 BMD (High: 0.2790 / Low: 0.2762).

March Spread (Volatile) ±0.0167

December Spread (Stable) ±0.0027

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2020. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0082 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0082

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 0.3007) against the same month in 2019 (average: 0.2991), the exchange rate shifted by +0.0016 (+0.52%).

2020 Avg (January) 0.3007

2019 Avg (January) 0.2991

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.3025	0.2954	0.3007
February	0.2974	0.2895	0.2949
March	0.2966	0.2799	0.2868
April	0.2969	0.2891	0.2941
May	0.2979	0.2900	0.2927
June	0.2940	0.2827	0.2878
July	0.2860	0.2822	0.2844
August	0.2839	0.2789	0.2809
September	0.2837	0.2777	0.2813
October	0.2797	0.2760	0.2781
November	0.2796	0.2729	0.2772
December	0.2790	0.2762	0.2777