YEARLY HIGH
0.6225 TOP
YEARLY LOW
0.5400 TOP
YEARLY AVERAGE
0.5875 TOP

2021 PLN to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the PLN to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on February 21, valuing the pair at 0.6225. Conversely, the yearly low was recorded on November 22, dropping to 0.5400.

This high-to-low spread represents a total annual volatility of 0.0824 TOP. From a start-to-finish perspective, comparing the January average rate of 0.6120 to the December average rate of 0.5597, the exchange rate registered a net change of -8.54% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.6225 was down 1.41% compared to the 2020 peak of 0.6314, 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 12,450 TOP
2020 Average 11,828 TOP
Yearly Trough Low 10,801 TOP
Transaction Impact: A difference of 1,648.69 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.6238
0.5474
JanuMarcMayJulySeptNove

PLN to TOP 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 0.6030, compared to 0.5720 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0310 points.

H1 Avg (Jan–Jun) 0.6030
H2 Avg (Jul–Dec) 0.5720

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0337 TOP (High: 0.6099 / Low: 0.5762). On the other end, December was the most stable month, with a tight range of 0.0088 TOP (High: 0.5644 / Low: 0.5555).

March Spread (Volatile) ±0.0337
December Spread (Stable) ±0.0088

Growth Streaks & Declines

Trends

Between March and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 2 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0278 points.

Longest Streak 2 Mo.
Sharpest MoM Drop -0.0278

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (February 2021: 0.6174) against the same month in 2020 (average: 0.5909), the exchange rate shifted by +0.0266 (+4.50%).

2021 Avg (February) 0.6174
2020 Avg (February) 0.5909

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 0.6175 0.6058 0.6120
February 0.6225 0.6066 0.6174
March 0.6099 0.5762 0.5897
April 0.6024 0.5854 0.5969
May 0.6145 0.5958 0.6046
June 0.6093 0.5832 0.5973
July 0.5946 0.5792 0.5856
August 0.5900 0.5784 0.5832
September 0.5923 0.5675 0.5804
October 0.5754 0.5599 0.5690
November 0.5688 0.5400 0.5538
December 0.5644 0.5555 0.5597