YEARLY HIGH
4.7513 NAD
YEARLY LOW
3.6847 NAD
YEARLY AVERAGE
4.2265 NAD

2020 PLN to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the PLN to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on October 7, valuing the pair at 4.7513. Conversely, the yearly low was recorded on January 4, dropping to 3.6847.

This high-to-low spread represents a total annual volatility of 1.0666 NAD. From a start-to-finish perspective, comparing the January average rate of 3.7524 to the December average rate of 4.0449, the exchange rate registered a net change of 7.80% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2020 high of 4.7513 was down 50.33% compared to the 2019 peak of 9.5653, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 20,000 PLN based on timing:

Yearly Peak High 95,025 NAD
2019 Average 75,574 NAD
Yearly Trough Low 73,693 NAD
Transaction Impact: A difference of 21,332.12 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

4.7504
3.6617
JanuMarcMayJulySeptNove

PLN 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 4.1445, compared to 4.3085 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.1640 points.

H1 Avg (Jan–Jun) 4.1445
H2 Avg (Jul–Dec) 4.3085

Volatility Range Comparison

Volatility

The most volatile month in 2020 was October, with a trading range of 0.6520 NAD (High: 4.7513 / Low: 4.0993). On the other end, January was the most stable month, with a tight range of 0.1316 NAD (High: 3.8163 / Low: 3.6847).

October Spread (Volatile) ±0.6520
January Spread (Stable) ±0.1316

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 August and September, when the average rate fell by 0.2348 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.2348

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2020: 4.3124) against the same month in 2019 (average: 3.8348), the exchange rate shifted by +0.4777 (+12.46%).

2020 Avg (October) 4.3124
2019 Avg (October) 3.8348

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.8163 3.6847 3.7524
February 3.9190 3.7704 3.8192
March 4.3580 3.9302 4.1447
April 4.5362 4.2666 4.4360
May 4.4863 4.2718 4.3811
June 4.4312 4.2002 4.3338
July 4.4780 4.2310 4.3124
August 4.7351 4.4183 4.6597
September 4.7136 4.3140 4.4249
October 4.7513 4.0993 4.3124
November 4.1904 4.0305 4.0968
December 4.1663 3.9413 4.0449