YEARLY HIGH
148.6170 CDF
YEARLY LOW
123.2645 CDF
YEARLY AVERAGE
134.8379 CDF

2021 ZAR to CDF Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2021

During 2021, the ZAR to CDF exchange rate experienced significant fluctuation. The market reached its absolute peak on June 6, valuing the pair at 148.6170. Conversely, the yearly low was recorded on November 27, dropping to 123.2645.

This high-to-low spread represents a total annual volatility of 25.3525 CDF. From a start-to-finish perspective, comparing the January average rate of 130.5720 to the December average rate of 125.9954, the exchange rate registered a net change of -3.51% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2021 high of 148.6170 was up 9.64% compared to the 2020 peak of 135.5536, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 50,000 ZAR based on timing:

Yearly Peak High 7,430,848 CDF
2020 Average 5,652,253 CDF
Yearly Trough Low 6,163,224 CDF
Transaction Impact: A difference of 1,267,624.36 CDF purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2021.

144.7660
124.2890
JanuMarcMayJulySeptNove

ZAR to CDF 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 136.7266, compared to 132.9492 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 3.7774 points.

H1 Avg (Jan–Jun) 136.7266
H2 Avg (Jul–Dec) 132.9492

Volatility Range Comparison

Volatility

The most volatile month in 2021 was November, with a trading range of 11.2918 CDF (High: 134.5563 / Low: 123.2645). On the other end, December was the most stable month, with a tight range of 4.9753 CDF (High: 128.8128 / Low: 123.8375).

November Spread (Volatile) ±11.2918
December Spread (Stable) ±4.9753

Growth Streaks & Declines

Trends

Between March and June, 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 June and July, when the average rate fell by 5.7097 points.

Longest Streak 3 Mo.
Sharpest MoM Drop -5.7097

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (June 2021: 143.0595) against the same month in 2020 (average: 109.3607), the exchange rate shifted by +33.6989 (+30.81%).

2021 Avg (June) 143.0595
2020 Avg (June) 109.3607

Monthly Breakdown

Statistical summary for each calendar month.

Month High Low Average
January 135.1980 127.0914 130.5720
February 137.1672 131.3323 134.1164
March 135.6735 128.0188 132.6608
April 141.0409 135.5501 137.9365
May 145.2419 137.7589 142.0145
June 148.6170 138.2327 143.0595
July 141.0131 133.8525 137.3498
August 139.2641 129.5596 134.4444
September 141.0018 131.4950 136.6418
October 138.7097 131.2861 134.3405
November 134.5563 123.2645 128.9231
December 128.8128 123.8375 125.9954