My net worth increased from $574,595.14 to $643,161.31 from 12/31/14 to 12/31/15. In 2015, I had a surplus of $127,248.02.
Organic growth = ($643,161.31 - $127,248.02) / $574,595.14 -1 = -10.21%.
Inorganic growth = $127,248.02 / $574,595.14 = 22.15%.
Organic growth corresponds to growth in my net worth without infusion of new money from surplus; inorganic growth corresponds to growth due to new money infusion.
Ideally, I would like to see increase in my net worth primarily from organic growth, to be sustainable in the event I no longer have earned income. My return was horrible in 2015 and my net worth increase is solely due to inorganic growth, partly offset by the negative organic growth.
My liquid assets of $464,655.25 is currently 81% of my net worth, comprised of 7.7% cash, 3.0% bonds, and 89.2% stocks. My retirement accounts make up 26% of my net worth. My leverage is 101%, which is extremely conservative.