YEARLY HIGH
4.1622 NAD
YEARLY LOW
3.5779 NAD
YEARLY AVERAGE
3.8311 NAD

2021 PLN to NAD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the PLN to NAD exchange rate experienced significant fluctuation. The market reached its absolute peak on January 11, valuing the pair at 4.1622. Conversely, the yearly low was recorded on June 19, dropping to 3.5779.

This high-to-low spread represents a total annual volatility of 0.5843 NAD. From a start-to-finish perspective, comparing the January average rate of 4.0462 to the December average rate of 3.8966, the exchange rate registered a net change of -3.70% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 4.1622 was down 12.40% compared to the 2020 peak of 4.7513, 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 83,243 NAD
2020 Average 84,554 NAD
Yearly Trough Low 71,557 NAD
Transaction Impact: A difference of 11,686.09 NAD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

4.0810
3.6641
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 3.8582, compared to 3.8039 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0543 points.

H1 Avg (Jan–Jun) 3.8582
H2 Avg (Jul–Dec) 3.8039

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.3107 NAD (High: 3.9253 / Low: 3.6146). On the other end, April was the most stable month, with a tight range of 0.1070 NAD (High: 3.8542 / Low: 3.7472).

November Spread (Volatile) ±0.3107
April Spread (Stable) ±0.1070

Growth Streaks & Declines

Trends

Between June and September, 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 February and March, when the average rate fell by 0.0888 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -0.0888

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2021: 4.0462) against the same month in 2020 (average: 3.7524), the exchange rate shifted by +0.2938 (+7.83%).

2021 Avg (January) 4.0462
2020 Avg (January) 3.7524

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 4.1622 3.9134 4.0462
February 4.0500 3.8795 3.9631
March 4.0181 3.7405 3.8744
April 3.8542 3.7472 3.7956
May 3.8360 3.7129 3.7711
June 3.7755 3.5779 3.6988
July 3.8610 3.7238 3.7700
August 3.9124 3.6612 3.7865
September 3.9332 3.7028 3.8206
October 3.8342 3.6415 3.7567
November 3.9253 3.6146 3.7930
December 3.9642 3.8227 3.8966