--- title: How to invest in high inflationary times description: Investors who have previously relied upon quantitative easing to propel major stock indexes over the last 15 years will be lost in this new economic terrain. image: https://www.shojin.co.uk/hubfs/Blog/How%20to%20invest%20in%20high%20inflationary%20times/How-to-invest-in-high-inflationary-times-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). Close [Skip to content](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#main-content) [![shojin-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-logo.png?width=92&height=30&name=shojin-logo.png) ![logo-light](https://www.shojin.co.uk/hs-fs/hubfs/shojin/logo-light.png?width=92&height=30&name=logo-light.png) ![shojin-logo-fixed](https://www.shojin.co.uk/hubfs/shojin/shojin-logo-fixed.svg)](https://www.shojin.co.uk) - [Invest](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#invest) - [Borrow](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#borrow) - [Learn](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#learn) - [Company](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#company) - [Invest](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#invest) - [Borrow](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#borrow) - [Learn](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#learn) - [Company](https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation#company) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Why us](https://www.shojin.co.uk/invest/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.svg)Overview](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](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](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](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](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](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](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Why us](https://www.shojin.co.uk/borrow/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.svg)Overview](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](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](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](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](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](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](https://www.shojin.co.uk/borrow/how-it-works#APPLY) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)All insights](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](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](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](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](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](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](https://www.shojin.co.uk/video-faqs) [![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)![](https://www.shojin.co.uk/hubfs/shojin/icons/arrow-right-light.svg)Contact us](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](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](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](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](https://www.shojin.co.uk/company/partnerships) - [Login](https://portal.shojin.co.uk/user/login) - [Sign up](https://invest.shojin.co.uk/express-interest-investing-2026) - [Login](https://portal.shojin.co.uk/user/login) - [Sign up](https://invest.shojin.co.uk/express-interest-investing-2026) Next level opportunities Shojin is a fractional property investment platform. 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) 2 min read # How to invest in high inflationary times ![](https://www.shojin.co.uk/hubfs/Blog/How%20to%20invest%20in%20high%20inflationary%20times/How-to-invest-in-high-inflationary-times-1960.jpg) ![](https://www.shojin.co.uk/hubfs/Blog/How%20to%20invest%20in%20high%20inflationary%20times/How-to-invest-in-high-inflationary-times-1960.jpg)   With each monthly inflation update from the Office for National Statistics, the distant echo of recession becomes more perceptible.    In what has become a sombre series of measurements, the latest instalment of the CPI, released on Wednesday 20 July, saw the rate of inflation rise to 9.4%, marking a 40-year high. The spiral is not expected to stop here – most economists are anticipating double figures before the end of the year.    In response, the governor of the Bank of England, Andrew Bailey, has warned that interest rates will be raised again next month – what remains to be seen is the scale of that increase. This combination of high inflation, rising rates, and overall tighter monetary policy unlocks a radically different macroeconomic environment than that of the past 20 years. Indeed, it poses the most serious threat to investment and personal finance since the Global Financial Crisis of 2008.   **The need to change**   Investors who have previously relied upon quantitative easing to propel major stock indexes over the last 15 years will be lost in this new economic terrain. The tightening of monetary policy from governments across the globe will halt the production of new money and end the gradual inflation of equity prices.    In addition, the squeeze on consumer spending power will be greatly reduced as the cost-of-living crisis continues to unfold, weakening economic growth. It seems we are heading for a period of ‘stagflation’; so, it is critical that investors recognise the changing conditions and react accordingly.    Investors relying on the same instruments that have propelled growth over the past 20 years will find they are now too blunt to cut through. Investors must begin to take precautionary measures to mitigate their overall investments against such hikes. The need to maintain a well-diversified portfolio that consists of resilient asset classes has never been more urgent.    **The real estate opportunity**   Real estate comes under the umbrella of alternative investments, which are assets other than stocks bonds, or mutual funds. In recent years, such investments have seen enormous growth and are predicted to reach a value of $26.21 trillion in 2026. As a collective, alternative investments offer insurance against a public market weakened by slow economies. But as an individual asset class, real estate stands out from the crowd.    Firstly, it has shown a unique ability to withstand the pressures of inflation – the rental market shows a solid correlation with inflation and sometimes even exceeds it. This protects property owners by facilitating a steady income that is not typically diminished by the inflation of the day.    In addition, although it is the bane of many hopeful homebuyers, demand in the UK housing market has persistently outstripped supply by some margin, leading to solid price releases and potential for capital appreciation. In fact, over the past decade, UK house prices have risen by 61%, while the UK stock market has increased by around half that figure.    Lastly, consider another consequence of high inflation – the reduction in the real value of debt. Given the high probability in the commercial real estate industry that a property owner has at least partially financed their purchase by taking on debt at a fixed interest rate, the value of that debt will decrease in real terms over the inflationary period. Meanwhile, the rental market continues to rise or follow a similar trajectory to inflation.   **A fraction of a chance**    Despite the above argument, many investors will consider commercial real estate and property development as areas reserved for the super-wealthy. While this was true for many years, fractional investment platforms have lowered the barriers of entry, inviting a wider pool of investors to grow their wealth with one of the most secure asset classes on the market.     In fact, you can now invest for as little as £5,000. With the current economic conditions offering significant danger to the easy-growth investments that have flourished over the past decade and a half, now is the time for investors to take the precautionary and opportune steps – diversify your portfolio and trust the assets with a proven track record of success in the current climate.  [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/how-to-invest-during-periods-of-high-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/how-to-invest-during-periods-of-high-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/how-to-invest-during-periods-of-high-inflation) - [![](https://www.shojin.co.uk/hubfs/shojin/icons/share-email.svg)](mailto:?subject=https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation&body=https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-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) [![Blue-sky-building-Mobile-1284-1000](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/02%20Feb/Blue-sky-building-Mobile-1284-1000.jpg?width=352&name=Blue-sky-building-Mobile-1284-1000.jpg)](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Investing in real estate: What you need to know](https://www.shojin.co.uk/insights/investing-in-real-estate-what-you-need-to-know) [![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... [![](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/UK-construction%2c-cranes.jpg?width=352&name=UK-construction%2c-cranes.jpg)](https://www.shojin.co.uk/insights/uk-housing-market-at-inflection-point-april-2025-data-reveals-emerging-opportunities) [Market updates](https://www.shojin.co.uk/insights/tag/market-updates), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [UK housing market at inflection point: April 2025 data reveals emerging opportunities](https://www.shojin.co.uk/insights/uk-housing-market-at-inflection-point-april-2025-data-reveals-emerging-opportunities) For property investors, understanding the UK housing market requires analysing multiple price... [![UK-leasehold-reform---March-2025-1200px-1](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2025/03%20March/Leasehold%20reform/UK-leasehold-reform---March-2025-1200px-1.jpg?width=352&name=UK-leasehold-reform---March-2025-1200px-1.jpg)](https://www.shojin.co.uk/insights/commonhold-reforms-the-impact-on-uk-property-investment) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Commonhold reforms: The impact on UK property investment](https://www.shojin.co.uk/insights/commonhold-reforms-the-impact-on-uk-property-investment) As we've covered previously, the UK property market is entering a period of significant evolution,... [![Snap-reaction-inflation-and-house-prices-graphic-mobile](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/01%20Jan/Snap%20reaction%201701/Snap-reaction-inflation-and-house-prices-graphic-mobile.jpg?width=352&name=Snap-reaction-inflation-and-house-prices-graphic-mobile.jpg)](https://www.shojin.co.uk/insights/snap-reaction-17/01-ons-inflation-and-house-price-data) [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) ### [Reaction 17/01: ONS Inflation and House Price data](https://www.shojin.co.uk/insights/snap-reaction-17/01-ons-inflation-and-house-price-data) [![pexels-apasaric-692102](https://www.shojin.co.uk/hs-fs/hubfs/pexels-apasaric-692102.jpg?width=352&name=pexels-apasaric-692102.jpg)](https://www.shojin.co.uk/insights/global-property-investment-insights-uk-and-dubai) [Masterclasses](https://www.shojin.co.uk/insights/tag/masterclasses), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video - Global property investment insights: UK and Dubai](https://www.shojin.co.uk/insights/global-property-investment-insights-uk-and-dubai) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2025/05%20May/UK%20real%20estate%20confidence%20soars-%20What%20this%20means%20for%20property%20investors/Construction-workers-planning.jpg?width=352&name=Construction-workers-planning.jpg)](https://www.shojin.co.uk/insights/uk-real-estate-confidence-soars-what-this-means-for-property-investors) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [UK real estate confidence soars: What this means for property investors](https://www.shojin.co.uk/insights/uk-real-estate-confidence-soars-what-this-means-for-property-investors) The UK real estate market is experiencing a significant turnaround in sentiment [![](https://www.shojin.co.uk/hs-fs/hubfs/iStock-1445033235.jpg?width=352&name=iStock-1445033235.jpg)](https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Gaining access to alternatives through fractional investment](https://www.shojin.co.uk/insights/gaining-access-to-alternatives-through-fractional-investment) [![P1050498-CROP](https://www.shojin.co.uk/hs-fs/hubfs/P1050498-CROP.jpg?width=352&name=P1050498-CROP.jpg)](https://www.shojin.co.uk/insights/video-budget-2024-what-it-means-for-real-estate-investors) [Masterclasses](https://www.shojin.co.uk/insights/tag/masterclasses), [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Video - Budget 2024: What it means for real estate investors](https://www.shojin.co.uk/insights/video-budget-2024-what-it-means-for-real-estate-investors) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Investing%20across%20the%20property%20spectrum/Investing-across-the-property-spectrum.jpg?width=352&name=Investing-across-the-property-spectrum.jpg)](https://www.shojin.co.uk/insights/news/invest-across-the-entire-property-spectrum) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Invest across the entire property spectrum](https://www.shojin.co.uk/insights/news/invest-across-the-entire-property-spectrum) [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/07%20July/TKS%202024/UK-housebuilding-2024.jpg?width=352&name=UK-housebuilding-2024.jpg)](https://www.shojin.co.uk/insights/get-britain-building-what-does-the-kings-speech-mean-for-property-investors) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Get Britain building: What does the King’s Speech mean for property investors?](https://www.shojin.co.uk/insights/get-britain-building-what-does-the-kings-speech-mean-for-property-investors) Two weeks after the general election, Britain has a new Labour government that is promising to put... [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Five%20things%20you%20need%20to%20know%20about%20fractional%20investing/Five-thing-you-need-to-know-abouit-fractional-investing.jpg?width=352&name=Five-thing-you-need-to-know-abouit-fractional-investing.jpg)](https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Five things you need to know about fractional investing](https://www.shojin.co.uk/insights/news/5-things-about-fractional-investing) Exploring fractional investing and Shojin's unique co-investment approach. [![mountain-snowboarding-thumb-1](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2025/01%20January/Make%20tax%20efficient%20investing%20your%20resolution%20for%202025/mountain-snowboarding-thumb-1.jpg?width=352&name=mountain-snowboarding-thumb-1.jpg)](https://www.shojin.co.uk/insights/make-tax-efficient-investing-your-resolution-for-2025) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Make tax efficient investing your resolution for 2025](https://www.shojin.co.uk/insights/make-tax-efficient-investing-your-resolution-for-2025) As we enter 2025, optimizing your investments for tax efficiency should be a top financial priority. [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/AREIP%20launch/AREIP-launch.jpg?width=352&name=AREIP-launch.jpg)](https://www.shojin.co.uk/insights/news/international-trade-association-launches-to-standa) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Association of Real Estate Investment Platforms (AREIP) launched](https://www.shojin.co.uk/insights/news/international-trade-association-launches-to-standa) Seven digital real estate investment platforms from across the UK and Europe have joined forces. [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/2024/11%20November/pexels-pabda-5277965.jpg?width=352&name=pexels-pabda-5277965.jpg)](https://www.shojin.co.uk/insights/budget-2024-snap-reaction) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Budget 2024: Snap reaction](https://www.shojin.co.uk/insights/budget-2024-snap-reaction) [![](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) [![Shojin-joins-MIBP---mobile](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Shojin%20joins%20MIBP/Shojin-joins-MIBP---mobile.jpg?width=352&name=Shojin-joins-MIBP---mobile.jpg)](https://www.shojin.co.uk/insights/news/shojin-invited-to-become-the-next-revolut) [Blog](https://www.shojin.co.uk/insights/tag/blog) ### [Shojin joins the Mayor's International Business Programme](https://www.shojin.co.uk/insights/news/shojin-invited-to-become-the-next-revolut) Shojin has been accepted onto the London & Partners Mayor’s International Business Programme. [![](https://www.shojin.co.uk/hs-fs/hubfs/Blog/Shojin%20launched%20joint%20venuture%20in%20UAE/Shojin-launched-joint-venuture-in-UAE.jpg?width=352&name=Shojin-launched-joint-venuture-in-UAE.jpg)](https://www.shojin.co.uk/insights/news/shojin-launches-joint-venture-in-the-united-arab-e) [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) ### [Shojin launches joint venture in the UAE](https://www.shojin.co.uk/insights/news/shojin-launches-joint-venture-in-the-united-arab-e) ## Take your investments to the next level. 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. We share in the risk and rewards together ![user-list-light](https://www.shojin.co.uk/hubfs/shojin/icons/user-list-light.svg) 3. Knowledge We use our thorough due diligence and expertise to ensure the best outcome – and you’re not left out the loop. ![line-segments-light](https://www.shojin.co.uk/hubfs/shojin/icons/line-segments-light.svg) 4. Wealth You get paid out before we do. You’remore likely to gain higher returns than traditional, inflexible investing routes. ## Follow us [![linkedin](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin.svg) ![linkedin-h](https://www.shojin.co.uk/hubfs/shojin/icons/linkedin-h.svg)](https://www.linkedin.com/company/shojin-property-partners) [![facebook](https://www.shojin.co.uk/hubfs/shojin/icons/facebook.svg) ![facebook-h](https://www.shojin.co.uk/hubfs/shojin/icons/facebook-h.svg)](https://www.facebook.com/ShojinUK) [![instagram](https://www.shojin.co.uk/hubfs/shojin/icons/instagram.svg) ![instagram-h](https://www.shojin.co.uk/hubfs/shojin/icons/instagram-h.svg)](https://www.instagram.com/shojinpropertyUK) [![twitter](https://www.shojin.co.uk/hubfs/shojin/icons/twitter.svg) ![twitter-h](https://www.shojin.co.uk/hubfs/shojin/icons/twitter-h.svg)](https://twitter.com/ShojinProperty) Invest - [Overview](https://www.shojin.co.uk/invest) - [Why us](https://www.shojin.co.uk/invest/why-us) - [For Individuals](https://www.shojin.co.uk/invest/who-is-shojin-for/individuals) - [For Family Office](https://www.shojin.co.uk/invest/who-is-shojin-for/family-offices) - [For Wealth Managers](https://www.shojin.co.uk/invest/who-is-shojin-for/wealth-managers) - [Products](https://www.shojin.co.uk/invest/products) - [IFISA](https://www.shojin.co.uk/invest/products/ifisa) - [Pensions](https://www.shojin.co.uk/invest/products/pensions) Borrow - [Overview](https://www.shojin.co.uk/borrow) - [Why us](https://www.shojin.co.uk/borrow/why-us) - [Senior](https://www.shojin.co.uk/borrow/products/senior-debt) - [Mezzanine](https://www.shojin.co.uk/borrow/products/mezzanine) - [Equity](https://www.shojin.co.uk/borrow/products/equity) - [How it works](https://www.shojin.co.uk/borrow/how-it-works) - [Apply](https://www.shojin.co.uk/borrow/how-it-works#ENQUIRE) Learn - [All insights](https://www.shojin.co.uk/insights) - [Masterclass](https://www.shojin.co.uk/insights/tag/masterclass) - [Special reports](https://www.shojin.co.uk/insights/tag/special-reports) - [Market updates](https://www.shojin.co.uk/insights/tag/market-updates) - [Blog](https://www.shojin.co.uk/insights/tag/blog) - [FAQs](https://www.shojin.co.uk/faqs) - [Glossary](https://www.shojin.co.uk/glossary) Legals - [Terms & conditions](https://www.shojin.co.uk/website-terms-conditions) - [Privacy Policy](https://www.shojin.co.uk/privacy-policy) - [Key Risks](https://www.shojin.co.uk/key-risks) - [Risk Management disc](https://www.shojin.co.uk/pillar-3) - [IFISA T&Cs](https://www.shojin.co.uk/ifisa-terms-conditions) Other - [About us](https://www.shojin.co.uk/company/about-us) - [Our team](https://www.shojin.co.uk/company/about-us#TEAM) - [Careers](https://www.shojin.co.uk/company/careers) - [Contact us](https://www.shojin.co.uk/company/contact-us) Awards ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MEZZANINE LENDER OF THE YEAR WINNER Alternative Credit Awards 2024 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) MOST INNOVATIVE PROPERTY INVESTMENT PLATFORM WINNER SME Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) BRIDGING LENDER OF THE YEAR WINNER P2P Finance Awards 2023 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) INNOVATIVE LENDER OF THE YEAR HIGHLY COMMENDED P2P Finance Awards 2022 ![award](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award.png?width=48&height=40&name=award.png) ![award-image-mobile](https://www.shojin.co.uk/hs-fs/hubfs/shojin/award-image-mobile.png?width=36&height=35&name=award-image-mobile.png) FINANCIER OF THE YEAR, RESIDENTIAL FINALIST RESI Awards 2021 Member ![AREIP-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/AREIP-logo.png?width=156&height=80&name=AREIP-logo.png) ![UKFCA WHITE](https://www.shojin.co.uk/hs-fs/hubfs/UKFCA%20WHITE.png?width=95&height=114&name=UKFCA%20WHITE.png) ![logo\_CREFCE\_logo\_white\_clear\_background](https://www.shojin.co.uk/hs-fs/hubfs/logo_CREFCE_logo_white_clear_background.png?width=150&height=54&name=logo_CREFCE_logo_white_clear_background.png) Important note Please note that property investments involve risks including loss of capital, illiquidity, default of a borrower and lack of returns. 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. [![shojin-footer-logo](https://www.shojin.co.uk/hs-fs/hubfs/shojin/shojin-footer-logo.png?width=86&height=31&name=shojin-footer-logo.png)](https://www.shojin.co.uk) © 2026 Shojin — All Rights Reserved ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Shojin", "url" : "https://www.shojin.co.uk/insights/author/shojin" }, "dateModified" : "2023-11-10T14:34:00.856Z", "datePublished" : "2022-08-09T01:05:00.000Z", "headline" : "How to invest in high inflationary times", "image" : [ "https://www.shojin.co.uk/hubfs/Blog/How%20to%20invest%20in%20high%20inflationary%20times/How-to-invest-in-high-inflationary-times-1960.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.shojin.co.uk/insights/news/how-to-invest-during-periods-of-high-inflation", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.shojin.co.uk/hubfs/Signature%20-%20logo.png" }, "name" : "Shojin Property Partners" } } ```