PlanningJune 8, 20265 min read
Choosing the Right Ajo Circle for Your Goal
Different goals need different circle structures. Learn when to use rotational, collective, or individual contribution plans.
Before creating a circle, start with the goal. Are members taking turns receiving a lump sum, pooling money for one shared target, or saving independently with group accountability?
Rotational circles are useful when each member needs a lump sum at different times. Collective circles work better when everyone is contributing toward one shared expense or community project.
The best circle type is the one members can understand quickly and follow consistently. Keep the rules simple, document the payout plan, and make sure every member agrees before the first contribution starts.
