YEARLY HIGH
3.1688 HRK
YEARLY LOW
3.0156 HRK
YEARLY AVERAGE
3.0779 HRK

2021 FJD to HRK Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the FJD to HRK exchange rate experienced significant fluctuation. The market reached its absolute peak on November 19, valuing the pair at 3.1688. Conversely, the yearly low was recorded on June 6, dropping to 3.0156.

This high-to-low spread represents a total annual volatility of 0.1532 HRK. From a start-to-finish perspective, comparing the January average rate of 3.0520 to the December average rate of 3.1243, the exchange rate registered a net change of 2.37% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 3.1688 was up 0.76% compared to the 2020 peak of 3.1449, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 15,844 HRK
2020 Average 15,245 HRK
Yearly Trough Low 15,078 HRK
Transaction Impact: A difference of 765.87 HRK purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

3.1493
3.0281
JanuMarcMayJulySeptNove

FJD to HRK 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 3.0715, compared to 3.0843 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0128 points.

H1 Avg (Jan–Jun) 3.0715
H2 Avg (Jul–Dec) 3.0843

Volatility Range Comparison

Volatility

The most volatile month in 2021 was October, with a trading range of 0.0828 HRK (High: 3.1331 / Low: 3.0503). On the other end, September was the most stable month, with a tight range of 0.0352 HRK (High: 3.0675 / Low: 3.0323).

October Spread (Volatile) ±0.0828
September Spread (Stable) ±0.0352

Growth Streaks & Declines

Trends

Between August and November, 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 April and May, when the average rate fell by 0.0404 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0404

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 3.1392) against the same month in 2020 (average: 3.0370), the exchange rate shifted by +0.1022 (+3.37%).

2021 Avg (November) 3.1392
2020 Avg (November) 3.0370

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 3.0805 3.0214 3.0520
February 3.1350 3.0630 3.0855
March 3.1455 3.0944 3.1146
April 3.1209 3.0650 3.0895
May 3.0961 3.0225 3.0491
June 3.0626 3.0156 3.0382
July 3.0760 3.0296 3.0495
August 3.0752 3.0182 3.0434
September 3.0675 3.0323 3.0513
October 3.1331 3.0503 3.0982
November 3.1688 3.1113 3.1392
December 3.1404 3.1029 3.1243