2021 SBD to GHS Historical Review

YEARLY HIGH

0.7669 GHS

YEARLY LOW

0.7029 GHS

YEARLY AVERAGE

0.7383 GHS

2021 SBD to GHS Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the SBD to GHS exchange rate experienced significant fluctuation. The market reached its absolute peak on December 9, valuing the pair at 0.7669. Conversely, the yearly low was recorded on March 3, dropping to 0.7029.

This high-to-low spread represents a total annual volatility of 0.0640 GHS. From a start-to-finish perspective, comparing the January average rate of 0.7313 to the December average rate of 0.7594, the exchange rate registered a net change of 3.86% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.7669 was up 3.58% compared to the 2020 peak of 0.7404, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 3,835 GHS

2020 Average 3,484 GHS

Yearly Trough Low 3,514 GHS

Transaction Impact: A difference of 320.25 GHS purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.7656

0.7159

JanuMarcMayJulySeptNove

SBD to GHS 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 0.7250, compared to 0.7515 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0265 points.

H1 Avg (Jan–Jun) 0.7250

H2 Avg (Jul–Dec) 0.7515

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0217 GHS (High: 0.7245 / Low: 0.7029). On the other end, April was the most stable month, with a tight range of 0.0056 GHS (High: 0.7267 / Low: 0.7212).

March Spread (Volatile) ±0.0217

April Spread (Stable) ±0.0056

Growth Streaks & Declines

Trends

Between March and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 8 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.0073 points.

Longest Streak 8 Mo.

Sharpest MoM Drop -0.0073

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.7594) against the same month in 2020 (average: 0.7297), the exchange rate shifted by +0.0297 (+4.07%).

2021 Avg (December) 0.7594

2020 Avg (December) 0.7297

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.7372	0.7263	0.7313
February	0.7277	0.7199	0.7240
March	0.7245	0.7029	0.7201
April	0.7267	0.7212	0.7236
May	0.7283	0.7201	0.7243
June	0.7295	0.7239	0.7267
July	0.7436	0.7292	0.7381
August	0.7511	0.7388	0.7474
September	0.7518	0.7392	0.7487
October	0.7605	0.7493	0.7541
November	0.7637	0.7573	0.7614
December	0.7669	0.7507	0.7594