YEARLY HIGH
1.8517 PLN
YEARLY LOW
1.6065 PLN
YEARLY AVERAGE
1.7042 PLN

2021 TOP to PLN Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the TOP to PLN exchange rate experienced significant fluctuation. The market reached its absolute peak on November 22, valuing the pair at 1.8517. Conversely, the yearly low was recorded on February 21, dropping to 1.6065.

This high-to-low spread represents a total annual volatility of 0.2452 PLN. From a start-to-finish perspective, comparing the January average rate of 1.6341 to the December average rate of 1.7866, the exchange rate registered a net change of 9.33% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 1.8517 was up 1.33% compared to the 2020 peak of 1.8273, 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 9,258 PLN
2020 Average 8,465 PLN
Yearly Trough Low 8,032 PLN
Transaction Impact: A difference of 1,226.09 PLN purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

1.8250
1.6010
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 1.6590, compared to 1.7494 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0904 points.

H1 Avg (Jan–Jun) 1.6590
H2 Avg (Jul–Dec) 1.7494

Volatility Range Comparison

Volatility

The most volatile month in 2021 was March, with a trading range of 0.0958 PLN (High: 1.7355 / Low: 1.6396). On the other end, December was the most stable month, with a tight range of 0.0282 PLN (High: 1.8001 / Low: 1.7719).

March Spread (Volatile) ±0.0958
December Spread (Stable) ±0.0282

Growth Streaks & Declines

Trends

Between May and November, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 6 straight months. Conversely, the sharpest month-over-month decline occurred between April and May, when the average rate fell by 0.0214 points.

Longest Streak 6 Mo.
Sharpest MoM Drop -0.0214

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (November 2021: 1.8063) against the same month in 2020 (average: 1.6491), the exchange rate shifted by +0.1571 (+9.53%).

2021 Avg (November) 1.8063
2020 Avg (November) 1.6491

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 1.6507 1.6194 1.6341
February 1.6484 1.6065 1.6197
March 1.7355 1.6396 1.6962
April 1.7082 1.6600 1.6754
May 1.6785 1.6274 1.6540
June 1.7147 1.6413 1.6744
July 1.7266 1.6817 1.7078
August 1.7290 1.6949 1.7147
September 1.7621 1.6885 1.7232
October 1.7860 1.7379 1.7576
November 1.8517 1.7581 1.8063
December 1.8001 1.7719 1.7866