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 · R'000
30 members × R1,000/month × 60 months. Before investment returns.
How will the
community grow?
Organic growth through trusted peer referrals — the way community is built.
The community grows through trust, not advertising. Founding 30 → 90 connected members at full maturity. Each member is personally connected — building wealth with people they know and trust.
What do members
actually get?
Interest-Free Emergency Loans
Get access to 20% of your contributions as an emergency interest-free loan — when life happens, the community has your back.
Dividend Income at Maturity
When the trust converts to an SPV and acquires assets, members receive their profit share through regular dividends — passive income from collective ownership.
Funeral Benefit Cover
Coming soon. We are currently pricing this benefit to ensure it is sustainable and meaningful for every member.
LimePages Member Profile
Each member gets a professional profile on the LimePages website to advertise their business or services — built-in exposure for your hustle.
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
Sum1 Investments
40%
Cash
40%
Bonds
10%
Alternative
investments*
10%
*Alternative investments include cattle farming, solar energy, and other high-growth asset classes.
Asset Manager
Partner
Sum1 Investments is a community-based investment platform that channels capital into local businesses through income-generating assets. As Lehumo's primary asset manager, they deploy 40% of the portfolio across four key sectors driving real economic activity.
Where They Invest
Returns After Fees
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
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.
The bigger mission: At maturity with 90 members, Lehumo targets an asset portfolio of over R5 Million, generating passive income distributed to every member through dividend payments.
Choose how you
participate.
Every plan contributes R1,000/month to the investment pool — 100% invested, zero management fees. The plan fee only covers platform services.
Basic
Start building wealth at zero cost
No fees. Ever.
Transfer your R1,000 contribution manually via EFT or banking app each month.
Emergency loans up to 20% of your total contributions
- R1,000/month contribution — 100% invested
- Manual EFT payment each month
- Full investment pool access
- Emergency loans after 12 months
- Dividend income at SPV maturity
- Member profile on LimePages
- Automated debit order
- Early loan access (6 months)
- WhatsApp VIP group
- Lime Connect service listing
Standard
Set it and forget it
Less than a cup of coffee.
We collect via Paystack — your contribution goes through automatically. Never miss a month.
Emergency loans up to 20% of your total contributions
- R1,000/month contribution — 100% invested
- Automated debit order via Paystack
- Full investment pool access
- Emergency loans after 6 months
- Dividend income at SPV maturity
- Member profile on LimePages
- WhatsApp VIP group
- Lime Connect service listing
VIP
All of Standard + inner circle access
For serious builders.
Same seamless Paystack automation as Standard — plus exclusive community access.
Emergency loans up to 20% of your total contributions
- Everything in Standard, plus:
- Private WhatsApp group for VIP members
- Direct engagement with Lehumo leadership
- List your services on Lime Connect
- Access a network of trusted professionals
- Priority support & exclusive updates
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
The Long Game
Wealth is built
over time.
Consistent contributions, compounding returns, and patient discipline — that's how generational wealth is created.
What is the bigger mission
for this initiative?
Members at Maturity
Starting at 30 Founding Bosses, growing to a fully connected community of 90 trusted members.
Asset Portfolio Target
A diversified asset portfolio exceeding R5 Million, generating passive income for all members.
Interest on Emergency Loans
Free access to 20% of your contributions when you need it most — no banks, no interest, no judgment.
Generational Wealth
Assets held in the Lehumo Trust pass to the next generation — breaking the cycle, building a legacy.
At full maturity, each of the 90 Lehumo members will also receive:
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.
Join the Waitlist →Your future
starts today.
Spots are limited to 30 Founding Members. Join the waitlist now and be part of the community that builds generational wealth together.
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