Your capital · one system

Build a net-worth strategy you can defend.

See cash, income, property, crypto, business funding, and alternative assets as one personal balance sheet. Compare return, risk, liquidity, and concentration before choosing your next move.

Explore the strategy Try the solar model

Not financial advice. Models can break. You can lose money.

Personal balance sheetCash · income · assets · debt
Decision lensesReturn · risk · liquidity · concentration
Six focused desksFinance · crypto · public markets · property · business · alternatives
Market contextloading…

From net worth to next move

One framework across every asset

The desks are building blocks of the same strategy. Start with what you own and owe, test the assumptions, then decide where the next euro has the best job.

01 · MAP

Build the balance sheet

Cash, debt, earning power, property, public markets, business ownership, and alternatives in one view.

02 · STRESS

Test what can break

Use bear, base, and bull cases. Measure downside, time horizon, cash yield, and how quickly capital can become liquid.

03 · DECIDE

Give the next euro a job

Build a buffer, reduce expensive debt, diversify concentration, or fund the opportunity with the strongest risk-adjusted fit.

Start with your foundation Compare the desks

How a note is built

Each coin page starts with mechanics (supply, job, consensus), then scenarios, staking, and concentration. Where the asset has real settlement or fee data we blend NVT, MVRV, Metcalfe, and fee multiples. Where it does not — XRP, HYPE, DOGE, LINK — we say so and use an explicit multiple of spot instead of fake precision.

01

NVT — the P/E analog

Network value versus on-chain settlement. Stretched NVT feeds the bear; volume catching up feeds the base.

Implied cap ≈ median NVT × annualized transfer volume

02

MVRV — cost basis

Realized cap is aggregate on-chain cost. We map discounts and premiums to scenario prices.

Bear ≈ 0.8× realized   Base ≈ 1.6×   Bull ≈ 2.8×

03

Metcalfe — users squared

Calibrate today’s cap to active users, then grow users at three rates for 12 months.

V ≈ k · n²

04

Fees, staking, float

ETH/SOL/AVAX get a fee multiple. HYPE is a buyback-vs-unlock story. XRP is escrow. Staking is a lock on float, not free yield.

Always read the coin’s own staking + holder section

The desks

Six focused desks. Public Markets stays locked until stock filings and bond curves can be defended.

Live

Personal finance

The order never changes. Budget, then a buffer, then expensive debt, then investing.

Open the desk

Public markets

Stocks and bonds together. Filings, yield curves, duration, and credit data are still pending.

See the desk

Live

Property

Two rented, one lived-in. Comps for value, rent for cash, debt stays put in the bear.

Open the desk

3 live tools

Business & career

Value earning power, model funding and ownership, then turn the strategy into a trusted website.

Open the desk

Prototype

Alternative investments

Start with solar: payback, NPV, IRR, energy economics, and share of personal net worth.

Open the prototype

Support the experiment

A coffee keeps the tape running. Memberships come later if the research is useful.

For now

Coffee

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  • Keeps nightly metrics alive
  • Independent research, no broker desk
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Later

Membership

$16/mo

  • Full notes + CSV
  • All open desks + Public Markets when it launches
  • Login and saved watchlists

Full

Customized plan

$48/mo

  • Everything in Membership
  • Customized net-worth strategy workspace
  • Monthly allocation and scenario review

The Simple Markets is independent research at thesimplemarkets.com. Nothing here is an offer to buy or sell, and it is not personalised investment advice. Past relationships between metrics and price can break.