Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong.

Take 2 minutes to learn more.
Risk information

Risk summary for investments in speculative illiquid securities which are arranged by a firm by way of an online platform.

 

Estimated reading time: 2 min

 

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be very complex and high risk.

 

What are the key risks?

 

  1. You could lose all the money you invest
    • By investing into a real estate project through Shojin you will be investing in a Bond instrument issued by Special Purpose Vehicles (SPV’s) which provide a funding facility for the purpose of real estate development. If the project fails, Investors can lose some or all of the money they invested.
    • Advertised rates of return aren’t guaranteed. This is not a savings account. If the project doesn’t pay the SPV back as agreed, you could earn less money than expected or nothing at all. A higher advertised rate of return means a higher project risk with an increased probability of losing your money.
    • Due Diligence and project oversight is carried out by the platform on each Shojin project that you are investing into to assess how well they are expected to perform. However, you should always also do your own research before investing.
    • These investments are sometimes held in an Innovative Finance ISA (IFISA). While any potential gains from your investment will be tax free, you can still lose all your money. An IFISA does not reduce the risk of the investment or protect you from losses.

  2. You are unlikely to be protected if something goes wrong
    • Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
    • Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA regulated firm, FOS may be able to consider it. Learn more about FOS protection here.

  3. You are unlikely to get your money back quickly
    • This type of property investment could face delays that can delay payments. These investments could also fail altogether and be unable to repay investors their money.
    • You have the opportunity to sell your investment early through the secondary market but there is no guarantee you will be able to find someone willing to buy.

  4. This is a complex investment
    • This investment has a complex structure to ensure the interest of investors is protected. Investments are made into each designated project SPV and are ringfenced from other project SPV's to ensure full transparency of each investment made.
    • You may wish to get financial advice to understand how the structure works before deciding to invest.

  5. Don’t put all your eggs in one basket

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about minibonds, visit the FCA’s website here.

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Our company
Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities.
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About us
Our mission, vision and purpose
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Team
We're an experienced team of real estate and investment professionals
 
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Next Level
property investing.

Shojin is a property investment platform. We share opportunities for global investors to gain exceptional returns. Build a real estate portfolio that outperforms mainstream investments.

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56 countries

We serve investors from around the globe looking to diversify into UK real estate projects

Over £60m invested

Across multiple products, from Junior debt to Asset investments, allowing investors to choose the right opportunities for them

Over £615m GDV

We have successfully secured funding for more than 40 projects, assisting developers in financing opportunities and building the housing supply in the UK

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Shojin performance versus other investments

Based on an initial £10,000 investment made in the Eastnor Castle project in 2014, with all proceeds subsequently being reinvested into the next available Shojin project upon repayment.

Shojin performance graph DONE v5.0-01
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*Disclaimer: Property investments involve risks including loss of capital, illiquidity, default of a borrower and lack of returns. Please note that past returns are not a reliable indicator of actual future performance. The risks involved will vary by project type.

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Learn

Learn all about property investing

Read our latest news and analysis in Insights or learn investing fundamentals with our resources

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What other investors are saying about Shojin.
"Shojin is a trusted property investment platform you want to invest in. I have personally invested in a few of Shojin's projects over the years and am really impressed. "
Nina-Norton-Shojin
Nina Norton
Private investor, UK
"I have several investments with the company and am confident this will continue. A great opportunity to expand your investment diversity. Competent, reliable and engaging staff. Transparency and thoroughness of information."
Thomas-Pellew-Shojin-64
Thomas Pellew
Private investor, UK
"The investing process with Shojin was easy, and the staff I dealt with were quick to repond to any queries I had regarding my investment. I will hold my investments and continue to invest via Shojin in the future."
Heather-OToole-Shojin
Heather O'Toole
Private investor, New Zealand
"Shojin is a great entry level for alternative investment. The returns are very good and I like the diversification, especially considering the global economic situation."
Ray-Ng-Shojin
Ray Ng
Private investor, Hong Kong
"Shojin is a new and easy way to enter the global property market. It's a gateway to making good money from my investments, quickly. I recommend Shojin to all my friends."
Calvin-Yau-Shojin
Calvin Yau
Private investor, Hong Kong

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Go further with Shojin

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More opportunity
We make investing in real estate more accessible by reducing entry barriers and having lower minimum investment amounts.
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Shared risk
Shojin invests funds into every project. We share in the risk and rewards together.
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Knowledge
We use our expertise at every stage of the investment process from initial due diligence to successful exit. Our regular updates ensure you're never out of the loop.
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Wealth
We have a track record of superior returns. Gain exposure to an alternative asset class as part of a diversified portfolio and build your wealth.