2021 XDR to NZD Historical Review

YEARLY HIGH

2.0816 NZD

YEARLY LOW

1.9398 NZD

YEARLY AVERAGE

2.0149 NZD

2021 XDR to NZD Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the XDR to NZD exchange rate experienced significant fluctuation. The market reached its absolute peak on December 17, valuing the pair at 2.0816. Conversely, the yearly low was recorded on February 24, dropping to 1.9398.

This high-to-low spread represents a total annual volatility of 0.1417 NZD. From a start-to-finish perspective, comparing the January average rate of 2.0064 to the December average rate of 2.0657, the exchange rate registered a net change of 2.96% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2021 high of 2.0816 was down 13.23% compared to the 2020 peak of 2.3990, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 10,408 NZD

2020 Average 10,726 NZD

Yearly Trough Low 9,699 NZD

Transaction Impact: A difference of 708.64 NZD purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

2.0736

1.9797

JanuMarcMayJulySeptNove

XDR 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 2.0031, compared to 2.0267 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0237 points.

H1 Avg (Jan–Jun) 2.0031

H2 Avg (Jul–Dec) 2.0267

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 0.0929 NZD (High: 2.0520 / Low: 1.9590). On the other end, July was the most stable month, with a tight range of 0.0287 NZD (High: 2.0523 / Low: 2.0236).

November Spread (Volatile) ±0.0929

July Spread (Stable) ±0.0287

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 August and September, when the average rate fell by 0.0247 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.0247

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (December 2021: 2.0657) against the same month in 2020 (average: 2.0272), the exchange rate shifted by +0.0386 (+1.90%).

2021 Avg (December) 2.0657

2020 Avg (December) 2.0272

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	2.0287	1.9852	2.0064
February	2.0079	1.9398	1.9876
March	2.0437	1.9688	2.0027
April	2.0328	1.9746	2.0060
May	2.0140	1.9702	1.9929
June	2.0681	1.9921	2.0228
July	2.0523	2.0236	2.0372
August	2.0802	2.0139	2.0373
September	2.0601	1.9853	2.0126
October	2.0403	1.9602	2.0023
November	2.0520	1.9590	2.0052
December	2.0816	2.0474	2.0657