2026 NZD to TOP Historical Review

YEARLY HIGH

1.4629 TOP

YEARLY LOW

1.3593 TOP

YEARLY AVERAGE

1.4072 TOP

2026 NZD to TOP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the NZD to TOP exchange rate experienced significant fluctuation. The market reached its absolute peak on January 29, valuing the pair at 1.4629. Conversely, the yearly low was recorded on June 26, dropping to 1.3593.

This high-to-low spread represents a total annual volatility of 0.1036 TOP. From a start-to-finish perspective, comparing the January average rate of 1.4059 to the December average rate of 1.3658, the exchange rate registered a net change of -2.85% (reflecting a weakening trend).

Looking at year-over-year peak valuations, the 2026 high of 1.4629 was down 0.39% compared to the 2025 peak of 1.4686, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

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

Yearly Peak High 7,314 TOP

2025 Average 7,012 TOP

Yearly Trough Low 6,796 TOP

Transaction Impact: A difference of 518.10 TOP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

1.4546

1.3578

JanuMarcMayJuly

NZD to TOP 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 1.4140, compared to 1.3658 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the first half (Jan–Jun) by a margin of 0.0482 points.

H1 Avg (Jan–Jun) 1.4140

H2 Avg (Jul–Dec) 1.3658

Volatility Range Comparison

Volatility

The most volatile month in 2026 was January, with a trading range of 0.0834 TOP (High: 1.4629 / Low: 1.3794). On the other end, July was the most stable month, with a tight range of 0.0003 TOP (High: 1.3660 / Low: 1.3657).

January Spread (Volatile) ±0.0834

July Spread (Stable) ±0.0003

Growth Streaks & Declines

Trends

No sustained consecutive month-over-month growth streak of 2+ months occurred in 2026. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0403 points.

Longest Streak 1 Mo.

Sharpest MoM Drop -0.0403

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (January 2026: 1.4059) against the same month in 2025 (average: 1.3668), the exchange rate shifted by +0.0391 (+2.86%).

2026 Avg (January) 1.4059

2025 Avg (January) 1.3668

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.4629	1.3794	1.4059
February	1.4572	1.4297	1.4465
March	1.4343	1.3764	1.4062
April	1.4233	1.3690	1.4049
May	1.4416	1.4200	1.4304
June	1.4367	1.3593	1.3904
July	1.3660	1.3657	1.3658