How it Works
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HOW TO INVEST
HOW IT WORKS
Start your journey by creating a SUM1 stokvel group online.
01. Start Your Stokvel
Add your stokvel on the on our app in seconds. No stokvel? Join solo.
02. Put Money In
Everyone saves from R500/month. Small change, big plans.
03. Let It Grow
We invest your stokvel’s cash smartly for at least 12 months in local businesses of your choice.
04. Payout or Power Up
Cash out after 13 months to unlock your goals or power up your impact by staying to invest more.
Investing in SUM1
Stokvels are backing real businesses in townships and rural areas: from street vendors to savvy entrepreneurs. Your investments support job creation and fuel local growth, keeping money where it matters most: in our communities.
Mebala
Slow fashion brand that produces leather tech-enhanced products for local manufacture.
UkuHamba
An award-winning healthcare company making low-cost prosthetics.
Farmers Market
Soweto ecosystem connecting local farmers, schools, and households.
Remlo
All natural skin products that help with pigmentation, dark marks, uneven skintone.
Izaza
Bold frames for bold people merging fashion and function for everyday confidence.
Estratweni Food
Estratweni Mobile Foods is a food catering business. Started in 2016 with only R200.
When they grow, we grow.
- Your stokvel helps real businesses from the community.
- Those businesses create jobs, feed families, and grow.
- As they grow, so does your investment and your dreams.
Proof in the Payout
Here’s our track record, the average returns we’ve delivered year after year. Real rands, real growth. That’s what happens when your money moves with purpose.
SUM1 SAYS
Our investors make stokvels look real good with all those smiles. Read their stories and then make your own.
Ayabonga
Investing since 2023 Eastern Cape
“From iPhone to Rooftop”
I started with just R500 a month to test if it was legit. That first round, I bought myself an iPhone. The next time, I went all in. I was able to finish the roof of my family home in the Eastern Cape, worth over R90,000. That was a big deal.
What drew me in was that Sum1 is Black-woman-owned and really speaks to people like me. It’s built for those of us who love stokvels and want better returns than the bank gives.
Since joining, I’ve gained real financial discipline. I think twice before spending and I’ve learned how to make my money move with purpose.
Lwando
Investing Since 2021 Western Cape
“Rainy Day? Sorted”
Before I joined Sum1 I was blank about money but being part of Sum1 has helped me deal with my money better, so I am wiser by being part of a group of like minded people. This has helped me save for a rainy day which has now been taken care of.
Nkosinathi
Investing since 2024 Gauteng
“Lobola Taken Care Of”
Sum1 has helped me save up for those unexpected expenses, a boost in my bonus in January and a tool to avoid wasting money on unnecessary things – the interest makes saving much more appealing. Sum1 has also helped my partner and I save up for lobola and the peripheral costs associated with that. We are also currently saving towards our wedding and hope to reach our target soon.
Emily
Investing since 2021 Gauteng
“Car and Apartment Deposit? Sorted.”
I joined the Sum1 investment family in 2021, curious about their unique approach to investments compared to traditional commercial banks. I was impressed with the returns on my investment, and I’ve never looked back.
Over the years, I’ve witnessed Sum1’s remarkable growth which has been truly inspiring. A highlight of my journey was attending their very first investor day event last year, which further solidified my trust in them.
Through Sum1, I’ve been able to save for rainy days, an apartment deposit and now saving towards a car deposit. After years of searching for better returns from various banks, I’m grateful to have found a reliable partner in Sum1.
If you haven’t joined the Sum1 family yet, I highly recommend taking the leap, you’re missing out on a game-changing opportunity to grow your savings and achieve your financial goals.
Dolly
Investing since 2022 Limpopo
“My garage stands. Thanks, Sum1.”
I am very happy with the outcome of investing with Sum1. It has helped me to complete the structure of a garage in my home. I look forward to investing again this year.
Smart money starts here.
You don’t need a finance degree. You don’t need thousands. With SUM1, you’re part of a community that saves together and wins together.
SUM1 makes stokvel investing simple, safe, and seriously rewarding.
1. Sign up for free
Start your journey for free. It’s easy no immediate commitments, just explore the platform on your terms.
2. Make a money plan
Your money moves with purpose and not pressure. Track it easily, grow it steadily, and cash out when you’re ready.
3. Enjoy less stress
Start feeling confident, content, and secure in your financial life.