2021 SAR to PEN Historical Review

YEARLY HIGH

1.1034 PEN

YEARLY LOW

0.9579 PEN

YEARLY AVERAGE

1.0344 PEN

2021 SAR to PEN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SAR to PEN exchange rate experienced significant fluctuation. The market reached its absolute peak on October 1, valuing the pair at 1.1034. Conversely, the yearly low was recorded on April 9, dropping to 0.9579.

This high-to-low spread represents a total annual volatility of 0.1454 PEN. From a start-to-finish perspective, comparing the January average rate of 0.9670 to the December average rate of 1.0776, the exchange rate registered a net change of 11.44% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.1034 was up 12.92% compared to the 2020 peak of 0.9771, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 5,517 PEN

2020 Average 4,656 PEN

Yearly Trough Low 4,790 PEN

Transaction Impact: A difference of 727.14 PEN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.1081

0.9541

JanuMarcMayJulySeptNove

SAR to PEN 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 0.9933, compared to 1.0755 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0821 points.

H1 Avg (Jan–Jun) 0.9933

H2 Avg (Jul–Dec) 1.0755

Volatility Range Comparison

Volatility

The most volatile month in 2021 was April, with a trading range of 0.0604 PEN (High: 1.0183 / Low: 0.9579). On the other end, February was the most stable month, with a tight range of 0.0057 PEN (High: 0.9755 / Low: 0.9698).

April Spread (Volatile) ±0.0604

February Spread (Stable) ±0.0057

Growth Streaks & Declines

Trends

Between April and September, 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 0.0239 points.

Longest Streak 5 Mo.

Sharpest MoM Drop -0.0239

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2021: 1.0714) against the same month in 2020 (average: 0.9586), the exchange rate shifted by +0.1128 (+11.77%).

2021 Avg (October) 1.0714

2020 Avg (October) 0.9586

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.9727	0.9619	0.9670
February	0.9755	0.9698	0.9720
March	1.0026	0.9749	0.9884
April	1.0183	0.9579	0.9840
May	1.0268	0.9754	1.0052
June	1.0636	1.0196	1.0435
July	1.0614	1.0311	1.0497
August	1.0970	1.0464	1.0874
September	1.1023	1.0900	1.0953
October	1.1034	1.0451	1.0714
November	1.0837	1.0651	1.0715
December	1.0887	1.0562	1.0776