2020 PHP to NAD Historical Review

YEARLY HIGH

0.3769 NAD

YEARLY LOW

0.2741 NAD

YEARLY AVERAGE

0.3323 NAD

2020 PHP to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PHP to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on April 23, valuing the pair at 0.3769. Conversely, the yearly low was recorded on January 4, dropping to 0.2741.

This high-to-low spread represents a total annual volatility of 0.1028 NAD. From a start-to-finish perspective, comparing the January average rate of 0.2824 to the December average rate of 0.3094, the exchange rate registered a net change of 9.55% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 0.3769 was down 46.18% compared to the 2019 peak of 0.7003, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 250,000 PHP based on timing:

Yearly Peak High 94,227 NAD

2019 Average 70,065 NAD

Yearly Trough Low 68,524 NAD

Transaction Impact: A difference of 25,703.26 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

0.3747

0.2740

JanuMarcMayJulySeptNove

PHP to NAD 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 0.3287, compared to 0.3359 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0072 points.

H1 Avg (Jan–Jun) 0.3287

H2 Avg (Jul–Dec) 0.3359

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.0501 NAD (High: 0.3527 / Low: 0.3026). On the other end, July was the most stable month, with a tight range of 0.0113 NAD (High: 0.3447 / Low: 0.3334).

March Spread (Volatile) ±0.0501

July Spread (Stable) ±0.0113

Growth Streaks & Declines

Trends

Between January and April, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between October and November, when the average rate fell by 0.0204 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0204

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (April 2020: 0.3663) against the same month in 2019 (average: 0.2727), the exchange rate shifted by +0.0936 (+34.32%).

2020 Avg (April) 0.3663

2019 Avg (April) 0.2727

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.2898	0.2741	0.2824
February	0.3022	0.2896	0.2947
March	0.3527	0.3026	0.3266
April	0.3769	0.3526	0.3663
May	0.3715	0.3431	0.3599
June	0.3486	0.3300	0.3420
July	0.3447	0.3334	0.3389
August	0.3604	0.3367	0.3556
September	0.3571	0.3348	0.3463
October	0.3737	0.3336	0.3427
November	0.3358	0.3164	0.3223
December	0.3198	0.3014	0.3094