In the fourth quarter of 2015, my net worth increased to $500,220 and overall IRR increased to 9.64%. My take-home pay increased towards the end of the year as I hit the Social Security wage base limit, 401(k) contribution limit, and ESPP contribution limit.

  • Social Security Tax ($118,500 @ 6.2%): $7,347
  • 401(k): $18,000
  • ESPP ($25,000 @ 15% discount): $21,250

I am glad to see that my net worth is back to $500,000 again after buying a brand new car this year.

Net Worth: $500,220

Account 2015Q3 2015Q4 Change
Cash $11,472 $10,081 $1,391
Lending Club $226,882 $177,860 $49,022
Direct Lending Income Fund $429,904 $487,118 $57,213
Debt ($219,876) ($174,840) $45,035
Total $458,589 $500,220 $41,631
Key Factors
  • Earned Income
    • Salary: $24,883
    • RSU: $13,739
    • ESPP: $9,657
  • Portfolio Income
    • Lending Club: $978
  • Passive Income
    • Direct Lending Income Fund: $12,213

Internal Rate of Return (IRR): 9.64%

Account Allocation XIRR (TTM) XIRR (TOT)
Lending Club 26.75% 8.37% 8.74%
Direct Lending Income Fund 73.25% 10.75%
Total 100% 9.56% 9.64%
  • Lending Club account values are based on Adjusted Account Value
  • Started investing with Direct Lending Income Fund in April 2015