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Goshen Capital Circle – JMB
A Kingdom Treasury Model for Scalable Capital
A capital-stewardship framework designed to preserve the seed, layer access and keep mission-ready capital working through seasons of uncertainty.
Capital stewardship
Goshen was the land of provision in famine—abundance during uncertainty. This is not just treasury management; it is capital stewardship.
Designed for R24m+ annual flow
30% · R7.2 million
Immediate liquidity & protection
Standard Bank Money Market Select · First National Bank Cash Investment Account
Same-day access
Projected return: ±R480,000 annually
40% · R9.6 million
Enhanced yield with structured liquidity
Nedbank 32-Day Notice · Absa 32-Day Notice
Three staggered tranches with access every 10–12 days
Projected return: ±R750,000 annually
20% · R4.8 million
Professional asset diversification
Allan Gray · Coronation Fund Managers · Investec
Liquidity in 1–3 business days
Projected return: ±R400,000 annually
10% · R2.4 million
Capital multiplication without reckless exposure
Secured trade finance · Property-backed bridging finance · Short-cycle structured lending
Secured liquidity in 30–90 days
Projected return: ±R300,000 annually
Capital working with access
| Allocation | Capital | Est. yield | Annual return |
|---|---|---|---|
| 30% | R7.2m | 6.7% | R480k |
| 40% | R9.6m | 7.8% | R750k |
| 20% | R4.8m | 8% | R400k |
| 10% | R2.4m | 12% | R300k |
Total estimated annual return: ±R1.9 million
Blended yield: ~8%
Liquidity access: 70% within 32 days
If returns are reinvested, the blueprint projects a path from R24 million to approximately R31 million by year three, and R35–38 million by year five—without taking equity risk.
Institutional discipline keeps the model aligned to its mission and liquidity covenant.
Capital never sleeps
Liquidity is layered
Yield is optimised
Risk is distributed
Mission remains funded
This blueprint is educational and strategic in nature. It is not personal financial, investment, tax or legal advice. Independent, appropriately licensed professional advice is required before any capital allocation or investment decision.