2021 XCD to NZD Historical Review

YEARLY HIGH

0.5513 NZD

YEARLY LOW

0.4971 NZD

YEARLY AVERAGE

0.5233 NZD

2021 XCD to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XCD to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 20, valuing the pair at 0.5513. Conversely, the yearly low was recorded on February 24, dropping to 0.4971.

This high-to-low spread represents a total annual volatility of 0.0541 NZD. From a start-to-finish perspective, comparing the January average rate of 0.5150 to the December average rate of 0.5453, the exchange rate registered a net change of 5.89% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 0.5513 was down 16.18% compared to the 2020 peak of 0.6577, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 2,756 NZD

2020 Average 2,851 NZD

Yearly Trough Low 2,486 NZD

Transaction Impact: A difference of 270.61 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

0.5488

0.5073

JanuMarcMayJulySeptNove

XCD to NZD 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 0.5163, compared to 0.5304 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0141 points.

H1 Avg (Jan–Jun) 0.5163

H2 Avg (Jul–Dec) 0.5304

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0271 NZD (High: 0.5426 / Low: 0.5155). On the other end, May was the most stable month, with a tight range of 0.0095 NZD (High: 0.5167 / Low: 0.5072).

November Spread (Volatile) ±0.0271

May Spread (Stable) ±0.0095

Growth Streaks & Declines

Trends

Between May and August, 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 0.0075 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0075

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 0.5453) against the same month in 2020 (average: 0.5214), the exchange rate shifted by +0.0239 (+4.58%).

2021 Avg (December) 0.5453

2020 Avg (December) 0.5214

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	0.5225	0.5066	0.5150
February	0.5169	0.4971	0.5107
March	0.5312	0.5074	0.5189
April	0.5277	0.5090	0.5196
May	0.5167	0.5072	0.5121
June	0.5335	0.5102	0.5214
July	0.5345	0.5248	0.5295
August	0.5426	0.5248	0.5305
September	0.5385	0.5174	0.5242
October	0.5349	0.5141	0.5245
November	0.5426	0.5155	0.5282
December	0.5513	0.5408	0.5453