Do you want to join a community
building an Investment Trust
to create Generational Wealth?
30 Founding Members. 5 Years. R2 Million. One shared mission — Save, Buy, and Protect assets for the next generation.
A community-owned
investment machine.
Lehumo is a Collective Investment Trust — 30 Founding Members working towards a shared vision of establishing an investment pool of ~R2 Million after a 5-Year Lock-in Period.
Each member contributes just R1,000 per month. That's it. The community then pools these contributions, builds collective wealth, and at maturity — converts into a Special Purpose Vehicle that acquires cash-generating assets.
Not just a savings account. Lehumo is structured to own assets — property, shares, and other income-generating vehicles — that pay dividends to every member.
Cumulative Pool Growth
30 members × R1,000/month × 60 months. Before investment returns.
Referred by a founding member — or want to be considered for one of the next 60 spots? Add yourself to the list.
Takes 30 seconds. No payment needed to join the list.
Choose how you
participate.
Every plan invests R1,000/month — 100% goes into the pool, zero management fees. The only difference is how we collect: manual EFT or automated debit order.
Basic
Start building wealth at zero cost
No collection fees — you transfer manually.
You transfer your R1,000 contribution manually via EFT or banking app each month.
20% of your R12,000 total contributions at month 12
- No collection or platform fees
- Transfer on your terms via banking app
- Full control over your monthly payments
- Automated debit order
- Early loan access (6 months)
- WhatsApp VIP group
- Lime Connect service listing
Standard
Set it and forget it
R1,035 total monthly debit
We collect via Paystack automatically every month — your contribution is always on time, no effort required.
20% of your R6,000 total contributions at month 6
- Automated via Paystack — never miss a payment
- Earlier emergency loan access at 6 months
- 3.5% service fee — covers Paystack collection cost, no markup
- WhatsApp VIP group
- Lime Connect service listing
VIP
Inner circle — coming soon
R1,050 total monthly debit
Same Paystack automation as Standard once the tier launches — exclusive community perks layered on top.
20% of your R6,000 total contributions at month 6
- Everything in Standard, plus:
- Private WhatsApp group for VIP members
- Direct engagement with Lehumo leadership
- List your services on Lime Connect
- Priority support & exclusive updates
Pay your way — all payments processed securely via Paystack
Max loan
20% of total contributions
Interest
0% — interest free
Repayment
Within 3 months
Frequency
1 active loan at a time
Plan fees are separate from your investment. No management fees, no performance fees, no hidden charges. Your full R1,000 works for you every single month.
Limited to 30 founding members · Applications reviewed within 48 hours
Lehumo Investment
Strategy
Each R1,000 monthly contribution is strategically allocated across four diversified investment vehicles. This balanced approach ensures growth, liquidity, stability, and exposure to alternative assets.
Portfolio Allocation
How every R1 000 monthly contribution is split
*SV Capital covers alternative assets including cattle farming, solar energy, and other high-growth classes.
Sum1 Investments
Growth through local business asset financing. Community-based investment in logistics, agriculture, food & beverages, and manufacturing.
Cash Reserves
Liquidity pool for interest-free emergency loans. Ensures every member can access up to 20% of their contributions when needed.
SA bonds/ MoneyMarket Funds
Stability and consistent income from government-backed securities. Provides portfolio stability and predictable returns.
SV Capital
Alternative assets portfolio. Exposure to high-growth opportunities including cattle farming and solar energy initiatives.
Real Assets. Real Impact.
Half of the Lehumo portfolio flows directly into South Africa's real economy — funding local SMMEs through Sum1 Investments and backing grassroots alternative assets through SV Capital.
R400 of every R1,000 invested monthly
FSP 53629 · NCRCP 21759SMME Asset Financing
Capital deployed to fund asset purchases for local businesses — from the food vendor scaling his kitchen, to logistics fleets and manufacturing equipment. Creating jobs and driving township economic growth.
R100 of every R1,000 invested monthly
FSP 52449Grassroots Alternative Assets
Exposure to niche, high-return asset classes outside traditional markets — including cattle farming and solar energy initiatives. These grassroots investments support rural economic development while delivering strong returns.
R500 of every R1,000 flows into the real economy
Township Economy Ecosystem
40% Sum1 + 10% SV Capital = 50% of your investment circulating through local communities. From the store owner growing her business to the farmer scaling production — every Rand works twice: growing your wealth while growing the township.
Lehumo follows a multi-manager strategy, partnering with emerging Black-owned investment managers to ensure our community's capital contributes to empowering Black businesses. Both Sum1 Investments and SV Capital are regulated financial services providers committed to sustainable, ethical growth.
What happens after the
5-Year Lock-in?
After 60 months of collective saving, Lehumo enters its transformation phase — turning community savings into real, generational assets.
Savings → Special Purpose Vehicle
All accumulated savings are transferred into an SPV — a formal legal structure that enables the community to collectively own and operate assets under one entity.
Buy Cash-Generating Assets
The SPV acquires appropriate cash-generating investment assets — property, equity stakes, or income-producing vehicles. Members receive their profit share through regular dividends.
Transfer into Lehumo Trust
The SPV is transferred into the Lehumo Trust — ensuring generational security of the assets. What you build today protects your children and their children.
Passive Income for Every Member
At maturity with 90 members, Lehumo targets an asset portfolio of over R5 Million, generating passive income distributed to every member through dividend payments.
The Long Game
Wealth is built
over time.
Consistent contributions, compounding returns, and patient discipline — that's how generational wealth is created.
Is it like a
Stokvel?
Short-term consumption model
A typical Stokvel pools money for short-term consumption — Christmas spending, group purchases. The money is distributed and spent.
Collective ownership of assets
Lehumo takes inspiration from the Stokvel spirit — peer-to-peer referrals & accountability — but channels it into long-term asset ownership. The community builds something that lasts.
LEHUMO curates communities of like-minded individuals, supporting them towards a shared objective. Responding to years of systemic economic exclusion and marginalisation through collective action.
Save up → Buy Cash Generating Assets → Protect for Future Generations.
Community First
The conversation is already happening.
Now it's formal.
For generations, Black South Africans have built wealth informally — through stokvels, extended family networks, and community trust. Lehumo takes that spirit and gives it a structure that creates lasting, tangible assets.
Apply to Join →Manage & keep track of your contributions
Every Lehumo member gets a secure personal portal to track contributions, make payments, and monitor their journey to generational wealth.
Personal Dashboard
See your membership status, profile details, and community updates at a glance.
Contribution Tracker
Visual 12-month calendar showing every payment. Always know where you stand.
Secure Payments
Pay your monthly R1,000 contribution via Paystack. One click, instant confirmation.
KYC Status
Track your verification progress from submission through to completion.
Welcome back, Thabo
Sign in to access your personal dashboard
Member Sign InNot a member yet?
Apply to become a Founding Member and get instant portal access.
Real questions from prospective members
Pulled directly from our April 2026 info sessions. If your question isn’t here, bring it to the next session — or ask us directly.
Apply to joinYour wealth creation journey
starts today.
Apply online in under 5 minutes. Choose your plan, verify your identity, and start investing — all from one seamless digital experience.
Become a Founding Member5-Minute Setup
Complete your membership application entirely online — no paperwork.
Secure & Private
Your data is encrypted. KYC documents are verified separately via WhatsApp or email.
Join 30 Founding Members
Spots are limited. Be part of the community building generational wealth together.
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