2020 PEN to GMD Historical Review

YEARLY HIGH

15.5009 GMD

YEARLY LOW

14.1220 GMD

YEARLY AVERAGE

14.7394 GMD

2020 PEN to GMD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PEN to GMD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 5, valuing the pair at 15.5009. Conversely, the yearly low was recorded on November 16, dropping to 14.1220.

This high-to-low spread represents a total annual volatility of 1.3789 GMD. From a start-to-finish perspective, comparing the January average rate of 15.3902 to the December average rate of 14.3745, the exchange rate registered a net change of -6.60% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 15.5009 was down 0.13% compared to the 2019 peak of 15.5204, 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 77,504 GMD

2019 Average 75,079 GMD

Yearly Trough Low 70,610 GMD

Transaction Impact: A difference of 6,894.40 GMD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

15.4943

14.2456

JanuMarcMayJulySeptNove

PEN to GMD 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 14.9869, compared to 14.4919 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.4950 points.

H1 Avg (Jan–Jun) 14.9869

H2 Avg (Jul–Dec) 14.4919

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.8490 GMD (High: 15.0967 / Low: 14.2477). On the other end, December was the most stable month, with a tight range of 0.1384 GMD (High: 14.4372 / Low: 14.2988).

March Spread (Volatile) ±0.8490

December Spread (Stable) ±0.1384

Growth Streaks & Declines

Trends

Between March and May, 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 February and March, when the average rate fell by 0.4473 points.

Longest Streak 2 Mo.

Sharpest MoM Drop -0.4473

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2020: 15.3902) against the same month in 2019 (average: 14.8083), the exchange rate shifted by +0.5819 (+3.93%).

2020 Avg (January) 15.3902

2019 Avg (January) 14.8083

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	15.5009	15.0960	15.3902
February	15.2096	14.7735	15.0499
March	15.0967	14.2477	14.6027
April	15.1589	14.7131	14.9969
May	15.2211	14.9221	15.0316
June	15.1551	14.5895	14.8501
July	14.8215	14.5877	14.7173
August	14.7058	14.4458	14.5546
September	14.6840	14.3713	14.5607
October	14.4753	14.2837	14.3948
November	14.4674	14.1220	14.3497
December	14.4372	14.2988	14.3745