--- title: Finding opportunities amid rising inflation description: Alternative investments will likely have an increasingly significant role to play, as inflationary pressures appear far from transitory. image: https://www.shojin.co.uk/hubfs/Blog/Finding%20opportunities%20amid%20rising%20inflation/Finding-opportunities-amid-rising-inflation-1960.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. 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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) 3 min read # Finding opportunities amid rising inflation ![](https://www.shojin.co.uk/hubfs/Blog/Finding%20opportunities%20amid%20rising%20inflation/Finding-opportunities-amid-rising-inflation-1960.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/Finding%20opportunities%20amid%20rising%20inflation/Finding-opportunities-amid-rising-inflation-1960.jpg)   Investors are facing one of the most chaotic and unpredictable macroeconomic periods since the Global Financial Crisis of 2008.   After a decade of negligible inflation, 2022 has seen prices rise across developed markets at rates not seen for more than 40 years, reaching 9.4% in the UK last month, with no let-up in sight.   With further interest rate hikes looming as central banks aim to get inflation on leash, the risk of recession is becoming increasingly tangible. And though the fallout may appear similar, the current scenario is being met with an entirely different set of economic tools than those used during the financial crisis 15 years ago, which in turn presents a new set of challenges for investors.   With some variation, the major developed economies of the world all responded to that last great cataclysm with enormous stimulus packages. While governments resorted to different combinations of fiscal and monetary stimulus measures, the overall effect was to flood the global financial system with liquidity in the hope that recessions did not tip into depressions.   In the UK, monetary policy was the preferred tool to reflate the economy after the 2008 crash, and the Bank of England simultaneously lowered interest rates to historic lows and began a program of bond buying (known as quantitative easing) in order to inject cash into the economy.     The huge influx of fresh money into the economy provided the perfect conditions for investors to buy into any major stock market index fund or ETF and, in many cases, watch the value rise on the back of seemingly endless money creation from central banks. Worryingly, these astonishing gains in major equity market indexes during the decade that followed the Global Financial Crisis came against the backdrop of relatively weak economic growth.   This time around, with inflation approaching double-digit levels globally, the tightening of global monetary policy is putting an end to the historically low levels of interest rates, meaning that there will not be the cheap – or for the past decade, almost free – money available to continually inflate equity prices.   Meanwhile, the spending power of consumers is at mercy of the resurgence of inflation, which will dampen economic growth. This immobilising concoction of low growth and high inflation, which is starting to bear the hallmarks of ‘stagflation’, is set to present navigation challenges for investors unfamiliar with the terrain.    More directly, investors expecting to employ the same index-holding strategies that they have perhaps profited from over the last decade are likely to be disappointed. Rather, the shrewd investor will have already recognised that agility and diversification could serve them well in riding out the turbulence and cushioning inflationary impacts.   **Seeking alternatives**   Against the current macroeconomic conditions, alternative investments will likely have an increasingly significant role to play, as inflationary pressures appear far from transitory. Indeed, as an asset class, alternatives have been exerting a growing influence on the investment landscape over the last decade, with their value expected to reach $23.21 trillion by 2026, according to estimates from Preqin This may be an understatement given the expanding appetite to diversify beyond stocks and bonds.    While these investments can carry additional risks in comparison to the safety of index-tracking funds or other relatively low-risk traditional investment vehicles, their momentum has been bolstered by the need for investors, both institutional and individual, to diversify their portfolios to achieve two objectives.   Firstly, the rise in rates and weak economic outlook poses a significant threat to the growth of public markets – alternative investments offer insurance against such a decline. Secondly, the changing macroeconomic conditions demand a more aggressive approach to maximise capital appreciation.    In a context where the gains from traditional equity markets are almost certain to be much more subdued over the coming years, alternative assets provide a much-needed source of growth potential.    **Real estate: strong fundamentals persist**   It is well documented that real estate typically performs well during periods of elevated inflation. Indeed, against the volatile macroeconomic backdrop of 2022, the resilience, income-yielding and capital appreciation benefits of this asset class stand out all the more sharply.   While real estate will not be immune to these headwinds, appetite among investors remains robust, with data from Knight Frank revealing global investment volumes in Q1 2022 were 30% higher than 2021’s level over the same period, although the pace may subdue as the year progresses.   Naturally, investors will be contending with rising financing costs; however, the positive long-term correlation between inflation and real estate cannot be ignored. Indeed, property assets can play an important role in the portfolio of long-term investors looking to secure some level of predictability in their investment appreciation over time.   Further, demand in the UK housing market continues to outstrip supply, pushing up prices and providing ample potential for strong returns. Indeed, average UK house prices have risen by over 61% in the last 10 years, in the same period, growth in the UK stock market has been almost half that value.    **Welcoming ordinary investors**   While institutional-grade property deals have previously remained elusive to the ordinary investor due to the enormous buy-in price, positively, the barriers to participation in such deals are being lowered by huge innovation across the prop-tech industry.   Such investments were typically only accessible to the top 1% who control 45% of global wealth, echoing the age-old sentiment ‘you’ve got to have money to make money’.    With inflation representing the most significant stealth threat to returns across asset classes, the increasing democratisation of the property investment landscape may well prompt investors to rethink their own rulebooks.   [Written by Shojin](https://www.shojin.co.uk/insights/author/shojin) Published 09 August 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/finding-opportunities-amid-rising-inflation) - [![](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/finding-opportunities-amid-rising-inflation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-twitter.svg)](http://twitter.com/intent/tweet?text=https://www.shojin.co.uk/insights/news/finding-opportunities-amid-rising-inflation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/finding-opportunities-amid-rising-inflation&body=https://www.shojin.co.uk/insights/news/finding-opportunities-amid-rising-inflation) 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/Blog/why%20hnws%20love%20real%20estate/why-hnws-love-real-estate.jpg?width=352&name=why-hnws-love-real-estate.jpg)](https://www.shojin.co.uk/insights/news/why-hnws-love-real-estate-investments) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Why HNWs love real estate investments](https://www.shojin.co.uk/insights/news/why-hnws-love-real-estate-investments) [![](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) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/First%20Asian%20real%20estate%20investment%20for%20Shojin%20as%20part%20of%20global%20expansion%20plan/First-Asian-real-estate-investment-for-Shojin-as-part-of-global-expansion-plan.jpg?width=352&name=First-Asian-real-estate-investment-for-Shojin-as-part-of-global-expansion-plan.jpg)](https://www.shojin.co.uk/insights/news/first-asian-real-estate-investment-for-shojin) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [First Asian real estate investment for Shojin as part of global expansion plan](https://www.shojin.co.uk/insights/news/first-asian-real-estate-investment-for-shojin) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/ca8842d7-6a7e-4be3-9857-bed6a71076de.jpg?width=352&name=ca8842d7-6a7e-4be3-9857-bed6a71076de.jpg)](https://www.shojin.co.uk/insights/news/shojin-launches-joint-venture-in-india) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Shojin launches joint venture in India](https://www.shojin.co.uk/insights/news/shojin-launches-joint-venture-in-india) [![](https://www.shojin.co.uk/hs-fs/hubfs/Imported_Blog_Media/b2dce5fb-afb3-461a-9de8-92dfdadef59f.jpg?width=352&name=b2dce5fb-afb3-461a-9de8-92dfdadef59f.jpg)](https://www.shojin.co.uk/insights/news/stretch-your-funding-further-with-shojin) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Stretch your funding further with Shojin](https://www.shojin.co.uk/insights/news/stretch-your-funding-further-with-shojin) [![How-to-beat-inflation-blog---mobile](https://www.shojin.co.uk/hs-fs/hubfs/Blog/How%20to%20beat%20inflation/How-to-beat-inflation-blog---mobile.jpg?width=352&name=How-to-beat-inflation-blog---mobile.jpg)](https://www.shojin.co.uk/insights/news/beating-inflation-over-the-long-term) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Beating inflation over the long term](https://www.shojin.co.uk/insights/news/beating-inflation-over-the-long-term) How do you invest your funds to ensure they aren't compromised by higher rates of inflation? 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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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