YEARLY HIGH
1.8273 PLN
YEARLY LOW
1.5838 PLN
YEARLY AVERAGE
1.6932 PLN

2020 TOP to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2020

During 2020, the TOP to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on May 11, valuing the pair at 1.8273. Conversely, the yearly low was recorded on December 17, dropping to 1.5838.

This high-to-low spread represents a total annual volatility of 0.2435 PLN. From a start-to-finish perspective, comparing the January average rate of 1.6658 to the December average rate of 1.6104, the exchange rate registered a net change of -3.33% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2020 high of 1.8273 was up 4.78% compared to the 2019 peak of 1.7440, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 9,137 PLN
2019 Average 8,378 PLN
Yearly Trough Low 7,919 PLN
Transaction Impact: A difference of 1,217.56 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2020.

1.8165
1.5917
JanuMarcMayJulySeptNove

TOP to PLN 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 1.7323, compared to 1.6540 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0784 points.

H1 Avg (Jan–Jun) 1.7323
H2 Avg (Jul–Dec) 1.6540

Volatility Range Comparison

Volatility

The most volatile month in 2020 was March, with a trading range of 0.1567 PLN (High: 1.7927 / Low: 1.6360). On the other end, January was the most stable month, with a tight range of 0.0362 PLN (High: 1.6871 / Low: 1.6510).

March Spread (Volatile) ±0.1567
January Spread (Stable) ±0.0362

Growth Streaks & Declines

Trends

Between January and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 4 straight months. Conversely, the sharpest month-over-month decline occurred between July and August, when the average rate fell by 0.0717 points.

Longest Streak 4 Mo.
Sharpest MoM Drop -0.0717

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (May 2020: 1.7978) against the same month in 2019 (average: 1.6755), the exchange rate shifted by +0.1223 (+7.30%).

2020 Avg (May) 1.7978
2019 Avg (May) 1.6755

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.6871 1.6510 1.6658
February 1.7117 1.6663 1.6926
March 1.7927 1.6360 1.7075
April 1.8117 1.7653 1.7909
May 1.8273 1.7443 1.7978
June 1.7598 1.7139 1.7394
July 1.7415 1.6347 1.7037
August 1.6517 1.6039 1.6320
September 1.6981 1.6263 1.6623
October 1.7046 1.6336 1.6664
November 1.7033 1.6323 1.6491
December 1.6360 1.5838 1.6104