--- title: Gaining access to alternatives through fractional investment description: Fractionalisation offers an easier route when investing into alternatives by lowering the barriers to entry and paining potentially higher returns. image: https://www.shojin.co.uk/hubfs/iStock-1445033235.jpg --- 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.](https://www.fscs.org.uk/check/investment-protection-checker) - 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.](https://www.financial-ombudsman.org.uk/consumers) 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** - Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well. - [A good rule of thumb is not to invest more than 10% of your money in high-risk investments.](https://www.fca.org.uk/investsmart/5-questions-ask-you-invest) [If you are interested in learning more about how to protect yourself, visit the FCA’s website here.](https://www.fca.org.uk/investsmart) [For further information about minibonds, visit the FCA’s website here](https://www.fca.org.uk/consumers/mini-bonds). 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[Why us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)](https://www.shojin.co.uk/borrow/why-us) [Overview ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/borrow) Products [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Whole loan We provide a combination of senior and junior debt to allow developers to take on larger schemes](https://www.shojin.co.uk/borrow/products/whole-loan) [![house-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-light.svg) ![house-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/house-line-hover.svg) Mezzanine Top up funding that allows you to minimise your contribution, enhancing your return on capital whilst maintaining full control.](https://www.shojin.co.uk/borrow/products/mezzanine) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Bridge Short-term senior and junior debt for land acquisition, refinancing, and conversions.](https://www.shojin.co.uk/products/bridge) [![door-light](https://www.shojin.co.uk/hubfs/shojin/icons/door-light.svg) ![door-hover](https://www.shojin.co.uk/hubfs/shojin/icons/door-hover.svg) Stabilisation and finish & exit Investment finance for completed or near-complete schemes that need time to optimise value before permanent refinancing or sale.](https://www.shojin.co.uk/stabilisation-finish-exit) How to borrow [![tree-structure-light](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-light.svg) ![tree-structure-hover](https://www.shojin.co.uk/hubfs/shojin/icons/tree-structure-hover.svg) How it works Our process focuses on delivering an exceptional outcome for all parties.](https://www.shojin.co.uk/borrow/how-it-works) [![laptop-light](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-light.svg) ![laptop-hover](https://www.shojin.co.uk/hubfs/shojin/icons/laptop-hover.svg) Apply Submit your application or request a call back](https://www.shojin.co.uk/borrow/how-it-works#APPLY) Elevate your investing Browse our blog for news, features, market update and special reports to build your real estate investing knowledge. 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[Contact us ![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light-white.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)](https://www.shojin.co.uk/company/contact-us) Learn more [![globe-light](https://www.shojin.co.uk/hubfs/shojin/icons/globe-light.svg) ![globe-hover](https://www.shojin.co.uk/hubfs/shojin/icons/globe-hover.svg) About us Our mission, vision and purpose](https://www.shojin.co.uk/company/about-us) [![users-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/users-three-light.svg) ![user-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-three-hover.svg) Team We're an experienced team of real estate and investment professionals](https://shojin.co.uk/company/about-us#TEAM)   [![list-checks-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks-light.svg) ![list-checks](https://www.shojin.co.uk/hubfs/shojin/icons/list-checks.svg) Careers Take your career to the next level](https://www.shojin.co.uk/company/careers) [![git-fork-light](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light.svg) ![git-fork-light-1](https://www.shojin.co.uk/hubfs/shojin/icons/git-fork-light-1.svg) Partnerships Partner with us to increase access to real estate investing](https://www.shojin.co.uk/company/partnerships) [Blog](https://www.shojin.co.uk/insights/tag/blog) 2 min read # Gaining access to alternatives through fractional investment   **The growing need for alternatives**   Mainstream investments such as stocks, bonds, cash - are mainstream for a reason. They’re easy to understand, easy to enter and easy to exit. The time costs to set up an account (whether with a trading platform or robo-advisor) are low, and the returns are respectable. With millions of other retail investors in these assets, you can be reassured that you’re making a safe bet.     **But what about the alternatives?**   Alternative investments can provide the key to a balanced portfolio and shouldn’t be overlooked. Defined as any investment outside the mainstream categories, alternative assets cover real-estate, crypto, art, collectibles and many more. Yes, there are risks with alternatives, but the returns can exceed traditional investing options, or hedge against them.    **What is fractionalisation?**  Fractionalisation is not new; traditional stocks and shares have been fractionalised - whole shares broken down into smaller parts - since the early 1600s. This immediately lowers barriers to investment; smaller shares at a lower value per unit that can be bought or traded more often by more people. Fractionalising alternative assets is a much more recent development. By dividing up real assets like property, wine, art, or luxury cars, many more people can benefit when these assets increase in value. Technology makes this transparent and trustworthy, enabling the asset’s value and ownership to be tracked. If you have ever dreamed of owning a supercar or a Banksy painting, then through fractional ownership, you can.     **Examples of fractional investment**   By and large, alternative investments are largely uncorrelated to traditional equity markets, making them crucial for a diversified portfolio.   Here are five leading fractional investment options:    - **Real Estate**:  One of the most developed fractional investment markets, you have a few options when it comes to real estate. Fractional ownership has been around for centuries, with investors pooling money to purchase a property and then sharing the rental yield. This is a predictable, relatively stable way to make low-risk, low-reward returns. Technology has super-charged another approach; fractionalising real estate development loans. Platforms like Shojin allow investors to come together and share the rewards of lending money to trusted developers before construction starts. Investors are paid fixed returns at the end of a project, with the interest much higher than relying on rental yields and capital appreciation. - **Agriculture**:  Similarly to fractional real estate, fractional ownership of farmland is a great way to get exposure to the agriculture sector (the World Bank attributes 3.6% of global GDP to farming). Investors’ money is typically put into a crop yielding field, with returns generated from the harvests. For example, AcreTrader. - **Fine art**:  With online art sales growing year-on-year, fractional art ownership is becoming ever more accessible. The model typically sees investors’ purchasing a percentage of a piece of art, with returns based on how much the art appreciates in value over time. An example of a fractional investment art platform is MasterWorks. - **Whisky and wine**:  Another sector where ownership (and the returns generated by asset appreciation), was previously restricted to the ultra-wealthy is luxury whisky and wine. Now, through fractional ownership, retail investors can enjoy returns from—if not the taste of— fine wine. CultWines is an example of a platform which enables fractional ownership of wine. - **Luxury cars**:  Platforms like CarCrowd enable fractional ownership of classic and luxury cars. As with art and alcohol, this has the same goal of the asset appreciating over time and thus generating a profit for investors. **Conclusion**   In conclusion, the world of fractionalisation has opened the doors to investors, dropping the barriers to entry for various investment options. Technological advancements in digital platforms and secondary marketplaces create liquidity and transparency. Increasing applications of blockchain, especially for real world tokenisation, will further increase access and traceability. As the popularity of alternative assets and fractional investing grows, it is exciting to see what new possibilities will arise.  [Written by Garett Stanhope](https://www.shojin.co.uk/insights/author/garett-stanhope) Published 22 April 2024 Back to top![](https://www.shojin.co.uk/hubfs/shojin/icons/backto-top.png) Subscribe to newsletter Subscribe to receive the latest Shojin insights and resources to your inbox every week. #### Share this post - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-linkedin.svg)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-facebook.svg)](https://www.facebook.com/sharer/sharer.php?u=https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment&body=https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) More in this series ## Similar insights you might like [View all](https://www.shojin.co.uk/insights) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/c25c244f-06d6-4bb2-a0f7-aae91be06892.png?width=352&name=c25c244f-06d6-4bb2-a0f7-aae91be06892.png)](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-investors-at-a-valuation) ### [Shojin closes £3m from investors](https://www.shojin.co.uk/insights/news/shojin-closes-3m-from-investors-at-a-valuation) [![Pacaso-x-Shojin---Vidoe-thumb-169-2](https://www.shojin.co.uk/hs-fs/hubfs/Pacaso/Pacaso-x-Shojin---Vidoe-thumb-169-2.jpg?width=352&name=Pacaso-x-Shojin---Vidoe-thumb-169-2.jpg)](https://www.shojin.co.uk/insights/video-shojin-meets-pacaso-fractional-home-ownership) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video - Shojin meets Pacaso: Unlock your dream second home](https://www.shojin.co.uk/insights/video-shojin-meets-pacaso-fractional-home-ownership) Technology is transforming real estate investing and ownership, particularly through the... 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