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.

Close
Skip to content
shojin-logo
logo-light
shojin-logo-fixed
Our company
Shojin is an FCA-regulated fractional investing platform enabling global investors to build their wealth from UK-based real estate investment opportunities.
Contact us
Learn more
globe-light
globe-hover
About us
Our mission, vision and purpose
users-three-light
user-three-hover
Team
We're an experienced team of real estate and investment professionals
 
list-checks-light
list-checks
Careers
Take your career to the next level

Invest - Why us

Your partner for UK real estate investing

Investors around the globe use our digital portal to invest in real estate at the development level. We source, manage and report on the progress of all projects to ensure full transparency.

Get started Contact us

Handpicked lending opportunities

Specialists in mid-market residential developments

We specialise in an overlooked portion of the construction sector: projects with a value of £10-60m that struggle to raise investment capital. The absence of lending competition and market inefficiency enables us to generate substantial returns for investors while also providing support to the construction sector.

house-line-light
UK focused
We are specialists in our local market. We work in regions and sectors where we can bring deep expertise to ensure the most lucrative returns for investors.
graph-light
Mid-market
Including SME developers and housebuilders who, with access to funding, can alleviate the strain on UK housing supply.
presentation-chart-light
Development level
By selecting lending opportunities prior to construction, we have the space to do extensive due diligence and understand the end-to-end risks for each project.
chart-line-light

How to invest

Start investing in five simple steps

Our digital platform lets you quickly and simply build a diversified real estate portfolio. 
Shojin - register here-1
1. Create an account
Create an account in minutes using your email address and phone number. Your account can be for an individual, company or trust.
feature
2. Browse opportunities
Once you’ve completed onboarding, you can view all live and past investment opportunities on our platform. Explore and compare information such as location, project financials, market summary, developer track record and funding structure.
Shojin-project-card
3. Invest and build your portfolio
Invest online and start building your bespoke diversified portfolio today. Either choose a project that has already launched or invest in one that is about to start—either way you’ll receive interest and see you returns build up.
Screenshot 2023-07-17 at 14.30.35
4. Stay updated and earn returns
Access your portfolio anytime and anywhere with our Investor Portal. You'll get regular updates on the performance of your investments and receive interest straight to your online wallet.
feature
5. Reinvest and multiply your returns
Take your earnings and reinvest them into future offerings to compound your returns.

Unique co-investment model

Shared opportunity investing

You put your money into a project alongside other investors, and so do we whilst staying involved throughout. This co-investment approach means that we're totally aligned with your interest at every stage of every project.

Low barriers to entry

Access for success

We give you access to high performing property investments at the construction stage at a lower entry point, allowing you to diversify into and across a new asset class that was previously never available.

Fee free investing

Zero investor fees

Why should you be charged for investing your money? We don't impose investor fees, and nor do we take a cut of your upside. 

Building transparency and trust

Proper due diligence

We meticulously check the hundreds of projects requiring funding that we receive applications from each month, then narrow the field until only the most secure developments remain. We minimise the risk and provide expert project oversight at every stage. 

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