Community stokvel · Est. in the spirit of Ubuntu
Save Together.
Invest Together.
Build Together.
Masakhane Investment Society is a community-driven society that helps members save, invest and support one another through disciplined collective investing and financial assistance.
Savings · Groceries · Livestock · Burial
per month to start
annual relief payouts
Savings Club
Disciplined monthly saving, paid out every January.
Groceries Club
Save collectively for bulk grocery purchase and distribution.
Cattle & Sheep Club
Group buying towards livestock for year-end slaughter and fair distribution.
Burial Society
Dignified death-benefit cover for you and your nominated family members.
Why choose us
Everything a modern stokvel should be
Discipline, growth and dignity — held together by transparency and real community support.
Collective Saving
Members pool contributions and save with discipline that individual willpower rarely sustains alone.
Groceries Club
Save collectively for bulk grocery purchase and distribution, at the level that suits you.
January Relief
Annual payouts land in January when families feel the pinch most — a planned cushion, not a scramble.
Livestock Club
Collective purchasing power buys quality livestock for a shared year-end harvest.
Burial Society
Cover that protects loved ones with a dignified benefit when it matters most.
Transparency
Clear rules, published fees and a valuation you can trace — every rand accounted for.
Monthly Statements
Every member receives a statement showing contributions, growth and standing.
Professional Admin
An elected Administration runs the Society by a constitution, not by favour.
Become part of a growing community that believes in building wealth together.
Joining takes minutes. Start with as little as R50 a month and grow with people who have your back.
About us
“Masakhane” — let us build together.
A voluntary society of members, founded to save and invest collectively and to support one another in times of need.
Who we are
Masakhane Investment Society is an unincorporated voluntary association operating as a stokvel — a trusted South African tradition of pooling money for shared benefit. We are run by an elected Administration on behalf of every member, guided by a written constitution.
Why Masakhane was created
The founders came together in the spirit of “Masakhane”, meaning let us build together. The goal was simple: turn small, regular contributions into real financial strength, and make sure no member faces life’s hardest moments alone.
How the society works
Members join one or more of our four Clubs and contribute monthly. Savings are paid out annually in January; the Groceries Club provides bulk household relief; the livestock club buys stock for a shared year-end harvest; and the burial society provides dignified cover. Everything is recorded, valued and reported back to members.
Our commitment to transparency
Fees, rules, waiting periods and the investment approach are published openly. Members receive statements, and the portfolio is valued each December so payouts are fair and traceable.
Our mission
To help ordinary people build extraordinary financial resilience through disciplined, collective investing and mutual support.
Our vision
A community where every member and their family enjoys dignity, security and steadily growing wealth.
Our objectives
Save with discipline, invest for growth, protect one another, and administer every rand with honesty and care.
Our values
What holds us together
Our products
Four Clubs, one community
Choose the Clubs that fit your goals. Join one, or combine all four for saving, provision and protection.
Savings Club
Disciplined monthly saving, paid out annually in January. Your money works while it waits.
The strategy: contributions are pooled and grown through disciplined saving. The portfolio is valued each December, and payouts follow in January.
At a glance
Groceries Club
Save collectively for the bulk purchase and distribution of groceries — real household relief, at the level that suits you.
Basic
Standard
Premium
At a glance
Benefits are groceries, not cash, and cannot be converted to a cash payout.
Burial Society
Dignified death-benefit cover for you and your nominated family members, with a clear claims process.
Silver
- Up to 3 family members
- R4 000 benefit per covered life
- 6-month waiting period
Gold
- Up to 5 family members
- R10 000 benefit per covered life
- 6-month waiting period
Claims & terms
Required documents:
Claims are lodged with the Administration and paid once documents are verified and the waiting period is met. No benefit is payable for a death during the waiting period, except at the Society's discretion for accidental death.
Cattle & Sheep Club
Group contributions towards livestock for a year-end slaughter and fair distribution among members.
How it works: members contribute towards a shared livestock fund. The Club uses collective buying power to purchase quality cattle and sheep, which are prepared and distributed to members for the festive season.
The benefit: better prices than buying alone, guaranteed meat for your family at year-end, and none of the logistics on your shoulders. Meat is distributed pro-rata according to contributions actually paid.
At a glance
The 5% levy applies plus logistics, packaging and butcher costs. Once livestock is purchased, there is no cash refund or alternative.
Fees & charges
Published, predictable, fair
Every fee is set out in the constitution so there are no surprises.
| Fee / charge | Amount | Applies to |
|---|---|---|
| Joining fee (once-off) | R50 | Every new member |
| Groceries Club admin fee | 10% / month | Each active Groceries Club account |
| Burial Society admin fee | 7.5% / month | Each active Burial Society account |
| Livestock admin levy | 5% + costs | Plus logistics, packaging & butcher costs |
| Early-withdrawal penalty | R120 + costs | Withdrawals before the payout date |
Governance
Meet the Committee
Masakhane is led by its founder, with the Administration growing as the Society does.
Founder
Additional committee members and regional coordinators will be added here as they are confirmed.
Online application
Join Masakhane
Complete your application online. Choose a Club, tell us about yourself, and we’ll generate your membership number.
Member portal
Your dashboard is on the way
The secure member portal — statements, contributions, investment growth, beneficiaries and tax documents — is the next phase of this build. Sign up to be notified the moment it goes live.
News & announcements
What’s happening at Masakhane
Investment updates, meeting notices, financial education and member stories.
January payouts have landed
This year’s annual payouts have been processed. Log in to your statement to view your allocation and growth.
Annual General Meeting
All members are invited to the AGM. Financials, the year’s valuation and committee elections will be tabled.
Why diversification matters
A short guide to how spreading investments across markets protects your savings over time.
Livestock Club planning begins
Contributions open for this year’s Cattle & Sheep Club ahead of the festive-season distribution.
“The society carried us”
How the burial benefit helped one family through a difficult time with dignity and speed.
Mid-year portfolio review
An overview of how the portfolio is tracking across the S&P 500, Nasdaq 100 and JSE Top 40.
Placeholder articles — replace with real updates from the Administration.
Frequently asked questions
Answers, in plain language
Contact us
We’d love to hear from you
Questions about joining, claims or your statement? Reach the Administration directly.
Phone
083 228 7178Office
99 Fourie Street, Mokopane, 0601
South Africa
Business hours
Mon–Fri: 08:00 – 17:00
Sat: 09:00 – 13:00
Documents
Everything you can download
Society documents, forms and reports. Some are reserved for signed-in members.
Constitution & Investment Agreement
The binding rules of the Society
Membership Agreement
Sign-up terms for new members
Application Forms
Printable forms for each Club
Burial Claim Form
Lodge a claim with required documents
Banking Details
Official Society account for contributions
Annual Reports
Year-end financials and valuation
Meeting Minutes Members only
Records of committee and general meetings
Privacy & legal
Your trust, protected
POPIA privacy policy
Masakhane Investment Society collects and processes personal information in line with the Protection of Personal Information Act (POPIA). We collect only what is needed to administer your membership — identity, contact, beneficiary and banking details — and we keep it secure. We do not sell your information. You may request access to, correction of, or deletion of your information at any time.
Terms & conditions
Membership is governed by the Society’s Constitution, Membership & Investment Agreement. By joining, you agree to contribute as scheduled, to follow the rules of your chosen Club(s), and to accept the fees, waiting periods and payout arrangements as published.
Investment risk disclaimer
The Savings Club pools members' contributions for collective saving. Returns are not guaranteed, and members should understand the terms of the Savings Club before joining. Information on this site is educational and is not financial advice.
Cookie policy
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General disclaimer
Masakhane operates as an unincorporated voluntary association (a stokvel). This website is informational. The Constitution and its burial and investment components should be confirmed against the Insurance Act (2017), the FAIS Act, and stokvel exemption requirements (e.g. NASASA) by a qualified South African legal practitioner before wide distribution.