--- title: Five things you need to know about fractional investing description: Discover the world of fractional investing and how it's reshaping opportunities in real estate. Learn about Shojin's innovative co-investment approach for secure and rewarding ventures. image: https://www.shojin.co.uk/hubfs/Blog/Five%20things%20you%20need%20to%20know%20about%20fractional%20investing/Five-thing-you-need-to-know-abouit-fractional-investing.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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We share opportunities for global investors to gain exceptional returns. [Why 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/invest/why-us) [Overview ![](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/invest) How to invest [![chart-line-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-light.svg) ![chart-line-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-line-hover.svg) Products Explore ways to earn interest on capital or income on capital growth](https://www.shojin.co.uk/invest/products) [![chart-bar-light](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-light.svg) ![chart-bar-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chart-bar-hover.svg) IFISA Invest in a tax efficient way with our Innovative Finance ISA](https://www.shojin.co.uk/invest/products/ifisa) [![circles-three-light](https://www.shojin.co.uk/hubfs/shojin/icons/circles-three-light.svg) ![circle-three-hover](https://www.shojin.co.uk/hubfs/shojin/icons/circle-three-hover.svg) Pensions Take control of you pension by using SIPP & SSAS products](https://www.shojin.co.uk/invest/products/pensions) Who is Shojin for [![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) ![user-list-hover](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-hover.svg) Individuals We make real estate investing more accessible for individual investors](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) [![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) ![chalkbord-teacher-hover](https://www.shojin.co.uk/hubfs/shojin/icons/chalkbord-teacher-hover.svg) Family offices Investment opportunities for SFOs, MFOs and HNWs](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) [![presentation-chart-light](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-light.svg) ![presentation-chart-hover](https://www.shojin.co.uk/hubfs/shojin/icons/presentation-chart-hover.svg) Wealth managers We work with finance professionals and intermediaries to share opportunities](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) Fund your next project We support borrowers at every step of the journey, from acquisition through to development and exit. [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. [All insights ![](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/insights) Insights [![trophy-light](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-light.svg) ![trophy-hover](https://www.shojin.co.uk/hubfs/shojin/icons/trophy-hover.svg) Masterclass Watch our webinars on demand](https://www.shojin.co.uk/insights/tag/masterclass) [![files-light](https://www.shojin.co.uk/hubfs/shojin/icons/files-light.svg) ![files-hover](https://www.shojin.co.uk/hubfs/shojin/icons/files-hover.svg) Special reports Read our reports and research](https://www.shojin.co.uk/insights/tag/special-reports) [![notification-light](https://www.shojin.co.uk/hubfs/shojin/icons/notification-light.svg) ![notification](https://www.shojin.co.uk/hubfs/shojin/icons/notification.svg) Market updates Expert insight and analysis](https://www.shojin.co.uk/insights/tag/market-updates) [![note-pencil-light](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-light.svg) ![note-pencil-hover](https://www.shojin.co.uk/hubfs/shojin/icons/note-pencil-hover.svg) Blog Stay up-to-date with news and views](https://www.shojin.co.uk/insights/tag/blog) Resources [![question-light](https://www.shojin.co.uk/hubfs/shojin/icons/question-light.svg) ![question-hover](https://www.shojin.co.uk/hubfs/shojin/icons/question-hover.svg) FAQs](https://www.shojin.co.uk/faqs) [![list-dashes-light](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-light.svg) ![list-dashes-hover](https://www.shojin.co.uk/hubfs/shojin/icons/list-dashes-hover.svg) Glossary Learn and understand some of the terms we use in materials such as investment memorandums.](https://www.shojin.co.uk/glossary) [![video\_library\_FILL0\_wght100\_GRAD0\_opsz24](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/video_library_FILL0_wght100_GRAD0_opsz24.svg) ![Artboard 1](https://www.shojin.co.uk/hubfs/ICONS/New%20Icons/Artboard%201.svg) Video explainers Watch our short video FAQs](https://www.shojin.co.uk/video-faqs) 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 ![](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) 3 min read # Five things you need to know about fractional investing ![](https://www.shojin.co.uk/hubfs/Blog/Five%20things%20you%20need%20to%20know%20about%20fractional%20investing/Five-thing-you-need-to-know-abouit-fractional-investing.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/Five%20things%20you%20need%20to%20know%20about%20fractional%20investing/Five-thing-you-need-to-know-abouit-fractional-investing.jpg) Exploring fractional investing and Shojin's unique co-investment approach. **1.     The traditional savings account is dead**  Interest rates in developed markets are at record low levels today. This is a legacy of the 2008 Global Financial Crisis, where central banks around the world battled recession by slashing base rates to historic lows. Fast-forward to the final quarter of 2021, and in essence little as changed here. The Bank of England’s base rate of interest is still a paltry 0.25%, and many high-street savings accounts barely even offer this meagre return to savers. In fact, [Bankrates’ October, 2021 survey of UK saving accounts](https://www.bankrate.com/banking/savings/average-savings-interest-rates/) reports that the average return on a savings account is now a shocking 0.06%. In short, if you have worked hard for your savings and want to see them grow over time, a traditional savings account simply isn’t going to cut it anymore!  **2.     There are so much more attractive options out there**  The good news is, there are much, much more attractive options out there today. We are living through a golden age of financial innovation. Alongside the traditional behemoths of the financial world, from London and New York to Hong Kong and Paris, a new generation of financial service providers are changing the way banking works. Importantly, for consumers this is turbo-charging their ability to make choices to get the most out of their savings. A whole range of lucrative financial services and products which were previously the exclusive preserve of the super-rich are now for the first time ever within reach for the middle class. This has been made possible by one key piece of financial innovation – fractional ownership.  **3.     What is fractional investing?**  Fractional investing means investing your money into an asset but without needing enough capital to purchase the asset outright. In other words, rather than needing to commit the total capital required, you can simply put in a smaller amount and enjoy some exposure to the increase in value of the underlying asset. There are many situations where this simple but revolutionary method brings new and profitable investment opportunities within reach. For example, Warren Buffett’s investment expertise and his excellent track-record are well-known, and many investors would be thrilled to have their savings stewarded by Buffett’s investment company, Berkshire Hathaway. However, a single share in Berkshire Hathaway is currently trading at prices around $421,600. Needless-to-say, most investors simply cannot afford to commit this level of capital to a single investment, and that is even if they can afford to investment this amount at all. Fractional investing has transformed the investment landscape beyond all recognition by allowing large investments to be ‘split-up’ into smaller fractions, thus allowing investors to invest smaller sums but still enjoy access to great investment opportunities.  **4.     How is fractional ownership revolutionising real estate investment?**  Long-term, there are few better asset classes to entrust your savings to than real estate. This is because the historical record of real estate prices and yields in the UK and other developed markets suggests real estate can provide the magical combination of strong capital gains with healthy income flows. The problem which kept such investments out of reach for all but a privileged minority was the sheer scale of capital needed to gain access to investment options in this sector. As such, while fractional investing has had a large impact on stock markets, the impact on real estate investment is incomparably larger. Long-term and large-scale projects, such as the financing of a new block of student accommodation near an internationally prestigious university campus, or a new state-of-the-art new eco-friendly residential development in a busy commuter town, can now be accessed by investors with much smaller budgets. Fractional investing has succeeded in democratised a section of the investment world many were previously locked out of.  **5.     What is our co-investment model?**  Shojin has the necessary expertise in property investment, as well as the financial techniques required to make fractional ownership work for the average investor. By now, there are numerous options for investors willing to hunt for higher returns through fractional ownership of real estate assets. The competitive nature of this market has driven rapid innovation and put customer experience at the centre of success in this field. Here at Shojin we are very happy to stand next to our competitors and be judged on the merits of our specific investment proposition.   What really makes Shojin stand-out from the competition is the pioneering co-investment model we have developed. Under this model, which is unique to us, we always invest our own funds in every project we propose to our investors. By having ‘skin in the game’, we are not merely salesmen pitching other people’s projects to you; we are co-investors alongside you sharing every stage of the investment journey. All profits are shared at the completion of the project, with Shojin taking profits only after external investors have been paid. In the unlikely event of a project returning a loss, the loss is primarily born by Shojin, thus capping the risk faced by external investors to some degree. This is why we are confident that we are the right choice for many investors looking to explore this area, and we welcome any and all enquiries. [Written by Shojin Property Partners](https://www.shojin.co.uk/insights/author/shojin-property-partners) Published 04 January 2022 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/news/5-things-about-fractional-investing) - [![](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/news/5-things-about-fractional-investing) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing&body=https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) 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) [![2023-alternative-investments-report---mobile](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2023%20alternative%20investments%20report/2023-alternative-investments-report---mobile.jpg?width=352&name=2023-alternative-investments-report---mobile.jpg)](https://www.shojin.co.uk/insights/news/alternative-investments-shine-in-2023) [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) ### [2023 alternative investment outlook](https://www.shojin.co.uk/insights/news/alternative-investments-shine-in-2023) An exclusive survey of investors has revealed a positive outlook for alternative investments. 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Sign up for access to our expertly selected investment opportunities. Build your diversified property portfolio today. [Sign up ![](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://portal.shojin.co.uk/user/register) ## Go further with Shojin ![key-light](https://www.shojin.co.uk/hubfs/shojin/icons/key-light.svg) 1. More opportunity No management fees. Smaller sums to take part. Lowered barriers for access. ![chalkboard-teacher-light](https://www.shojin.co.uk/hubfs/shojin/icons/chalkboard-teacher-light.svg) 2. Shared risk Shojin earns revenue based on the success of each project. 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The risks involved will vary by project types, so please make sure you have read and understood the specific risks associated with the investment. Investments made on this website should only be made as part of a diversified investment portfolio. For more details, see the Key Risks. Projections or estimated returns are not a reliable indicator of actual future performance and eventual returns or dividends may be lower than predicted. Information presented on this website is for guidance purposes only and does not constitute financial advice. If you are unsure of the suitability of an investment, please contact your financial adviser for professional advice. Shojin is a trading name of Shojin Financial Services Limited. This website is a financial promotion approved by Shojin Financial Services Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 716765) (see [www.fca.org.uk/register](https://www.fca.org.uk/firms/financial-services-register) for more information). Companies that issue investments on this platform, including bonds issued by Shojin entities, are not themselves regulated by the Financial Conduct Authority and investments made on this site are not covered by the Financial Services Compensation Scheme. The investment opportunities listed on this website are not offers to the public and can only be entered into by certain types of investors who have satisfied certain investment criteria. 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