Personal Finance Report: November 2020 Investments = $31,481.27

Personal Finance Report: November 2020 Investments = $31,481.27

Total Investments at End of November 2020

The following is an assessment of my investments on the road to FIRE (financial independence, retire early) at the end of November 2020.

You’ll see investments from Fidelity, Vanguard, and Robinhood, with an analyzation of the numbers.

Fidelity Stock Returns for November 2020


Fidelity value at end of November 2020 = $8,803.98

I invested $870 into stocks for November 2020.

Growth of stocks was $1,456.71.

For a total growth in my Fidelity account of $2,326.71

It’s interesting to see that majority of my stock returns for 2020 was in November.

You can see that year-to-date returns is about $1800.

Whereas November 2020 returns is about $1400.

Meaning before November, it was only a $400 year-to-date return.

Lesson In Timing The Market

This is a lesson in not trying to time the market.

Because ideally, not factoring in COVID-19 dip in stock market in March 2020, you would have been dollar cost averaging your investments anyways each week, each month, for years to reach FIRE.

The reasoning behind this is that if you purchase investments consistently, the average cost of them would fluctuate up and down based on dips in the stock market.

But because you’ll be buying stocks during random dips, and buying stocks during high points, you’re reducing volatility over the long run because you’re not trying to time the market.

This article by Investopedia on dollar cost averaging explains it in greater detail.

This is because in the long run (decades), the stock market does in general tend to go up instead of down because populations grow, compound interest grows, jobs grow, industries grow.

So if you’re not good at timing the market, nor do you care for timing the market, then dollar cost averaging is the way to go.

A Little Investment Philosophy

I think that the whole point of life is to grow and to experience growth and to help others grow and help them experience growth as well.

Which is why the stock market tends to go up more than it goes down.

Because humans are growth minded beings and that ethos ultimately gets reflected in the stock market in the long run.

Because populations grow, people get jobs, people invest in their 401k’s to save up for houses, retirements, kids’ college educations, consume goods, and these facets of living their lives are reflected in the stock market in the form of growth.

But then again, I could be proven wrong, because that’s just a philosophical mindset not based on too much pure facts and data.

I have been buying stocks since before COVID-19, and kept buying them through their March 2020 dip of more than 50-80%.

Now that news is getting optimistic about vaccines, etc., stocks has shot up over 50-100%.

Which is incredible!

The S&P500 is currently at a +12% growth for the year!

Which is incredible considering stocks tumbled over 50% back in March and April 2020.

Vanguard Mutual Fund Returns November 2020

Vanguard November 2020 statement

Vanguard November 2020 worth= $22,640.87.

End of Vanguard October 2020 worth was $19,938.41.

That’s a growth of $2,702.46.

November 2020 was a crazy month for stocks in general, like Tesla joining the S&P500 etc.

Cloud companies’ stocks were going up like crazy, and so were electric car companies, electric charging companies, etc.

Robinhood Stocks November 2020

Robinhood app November 2020

Robinhood November 2020 stocks worth = $36.47.

I mentioned in my October 2020 personal finance report that I was aiming to declutter and minimalize my finances going forward.

So I sold out of most of my Robinhood stocks and moved that money over into stocks in Fidelity and one mutual fund in Vanguard.

Total Net Worth for November 2020 = $31,481.27

I’m not counting my Lending Club (peer-to-peer lending) assets because I’m looking to cash out when the final debts from people have been paid, then I will move that remaining money into stocks and Vanguard.

I’m also not counting the almost $650-870 worth of cows I invested in South Africa because it’s very illiquid.

So if we count up just Fidelity, Vanguard, and Robinhood, we have:

$8,803.93 + $22,640.87 + $36.47 = $31,481.27.

I ended October 2020 with investment assets of $26,779.60.

That’s a growth of $4,701.67.

Which isn’t too shabby.

That’s An Increase of 17.55% in One Month

To get the percentage increase for end of November 2020, we take the growth, $4,701.67 and divide it by the starting amount.

In this case, the starting amount if the end of October 2020’s assets, $26,779.60.

That’s $4,701.67 / $26,779.60 then times by 100 to get the percentage = 17.55%.

That’s amazing to get a 17.55% percent growth in one month, which includes the amount of money I put in along with the growth in principle from stock market growth and any compound interest from dividends.

“Sleep faster!” -Arnold Schwarzenegger

For the month of November 2020, the amount of sleep I’ve was getting, as reported by my Apple Watch series 6, averaged about 5.5 to 6.5 hours a week all month.

I’ve been sleeping less, and hustling more in order to make money to invest toward FIRE.

I am a healthy individual, with a healthy family support structure, and healthy enough mental state that I can get by with less sleep without too much detriment to myself in the short term.

And I don’t plan on doing this to myself forever in the long term.

I’ve noticed that since I’ve gotten less sleep, I’m able to do more, create more passive income generating side hustles, think more business ideas, and SURPRISINGLY, the less I sleep, the harder and smarter I work in my business and on myself that I am actually surprised that Ahnold’s inspirational quote WORKS!

The idea is that if you can get 8 hours of sleep in about 6 to 7 hours, then you have that one hour freed up to do more stuff.

So in a month, you’ve created 30 hours for yourself to work on your craft.

In the FIREsphere, that translates to doing side hustles to make more money to invest in mutual funds to reach FIRE faster.

30 hours a month is almost a full work week that you have a hands up over someone who sleeps a full 8 hours.

And if a year has 8,760 hours (24 hours/day X 365 days/year), if you create this extra 30 hours a month, that’s 30 hours/month X 12 months = 360 hours/year.

That’s 4% of the year you can devote to growing yourself, making money, and growing your investments to FIRE faster so you can get out of the rat race and do more of what you actually want to do with your life.

2020 Investment Goals

My 2020 investment goal was to reach $25,000 in investments.

With the $1,200 stimulus check that they gave us earlier this year, along with huge growth in the stock market, I surpassed that $25,000 and currently at almost $32,000 at end of November 2020.

I remember in March 2020 I was only at something like $10,000 in investments and noting that I would have to invest almost $1500-2000 a month for the next 8-9 months to reach my arbitrary goal of $25,000 and wondering HOW THE HECK was I was going to reach it.

But things worked out in the end.

My stretch goal was to 10X my investment goal.

So reach $250,000 in investments. Which doesn’t look like it’ll be reached this year.

But having a stretch goal is nice because it forces your brain to think in creative ways to potentially get there.


November 2020 was a decent month in terms of growth, hustling, and investments.

Now that we are more than 8 months into the COVID-19 quarantine in America, I still reflect back to March 2020 when I wished I had more cash on hand to invest when stocks were at their 52 week lows because shortly after it went up 80%-100%.

That’s called a V-bounce, when it dips sharply then bounces back up sharply.

Meaning people who had money on hand or a bunch of people with small amounts of money, all just went in at the bottom because we’ve learned over the decades to “buy when there’s blood in the water” or “buy when fear is at a maximum” or “buy when things are at all time lows.”

But I have to remind myself that it’s okay.

I did the best I could with what I had and that has to be enough.

We have to reconcile with ourselves that as long as we do our best, even if it means being only able to buy 1 share versus 100 shares during the dip here and there, we can rest peacefully knowing we gave it our all, each and every time.

Because that’s all we can really ever ask of ourselves.

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Jack The Dreamer

I'm a dreamer. But you know what? All the best people are. And if you're one too, join the revolution! My blog is about being financially independent and working towards that goal each and every single day so that we can all start living the life we've always dreamed of! Jack the Dreamer, over and out!