For entrepreneurs
The one-page money plan.
Four moves, reviewed quarterly. Fill in your own numbers — the plan works because it’s yours.
01
The buffer — days-away money
- Count the obligations your revenue cycle can't guarantee: payroll, suppliers, tax.
- Move that buffer from the current account into a money market fund.
- Write down your number: KES ________
02
The ladder — months-away money
- List cash with a known calendar (tax dates, planned purchases, seasons).
- Ladder it across treasury bills so something is always maturing.
- Write down your number: KES ________
03
The engine — years-away money
- Set a fixed share of every distribution that leaves the business permanently.
- Invest it in what the business isn't: other assets, currencies, geographies.
- Write down your share: ________ % of every distribution
04
The firewall — keeping it yours
- Personal investments in personal names, never through company accounts.
- One review per quarter: buffer level, ladder dates, engine contributions.
- Book the conversation when the numbers outgrow the page.
ndovu.co — regulated by the Capital Markets Authority of Kenya. This is a planning aid, not investment advice.
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